The question was phrased by the source as follows: "How do you process your banking matters with the bank that you primarily use (e.g., transactions)? (multi-pick)." Multiple selections of the following answers were possible:
- In person in a branch
- Mobile (smartphone / tablet)
- Online (PC / laptop)
- Telephone banking
- Other
- Don't know
The number of respondents differs in each survey update. More information on the methodology can be found here.
* No data available for H2 2019
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Quarterly mobile banking usage in Finland 2019-2025
Mobile banking usage increased sharply between 2019 and 2025 among bank account holders in Finland. According to ÀÖ²¥´«Ã½app×îа汾's Consumer Insights, the share of respondents who processed banking affairs via smartphone or tablet increased from ** percent in 2019 to ** percent in the third quarter of 2025, making it the primary method to handle banking affairs in the country.
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ÀÖ²¥´«Ã½app×îа汾. (October 22, 2025). Share of bank account holders processing banking matters via mobile banking (smartphone or tablet) in Finland from 1st half 2019 to 3rd quarter 2025 [Graph]. In ÀÖ²¥´«Ã½app×îа汾. Retrieved August 12, 2026, from /statistics/1396466/mobile-banking-penetration-in-finland/
ÀÖ²¥´«Ã½app×îа汾. "Share of bank account holders processing banking matters via mobile banking (smartphone or tablet) in Finland from 1st half 2019 to 3rd quarter 2025." Chart. October 22, 2025. ÀÖ²¥´«Ã½app×îа汾. Accessed August 12, 2026. /statistics/1396466/mobile-banking-penetration-in-finland/
ÀÖ²¥´«Ã½app×îа汾. (2025). Share of bank account holders processing banking matters via mobile banking (smartphone or tablet) in Finland from 1st half 2019 to 3rd quarter 2025. ÀÖ²¥´«Ã½app×îа汾. ÀÖ²¥´«Ã½app×îа汾 Inc.. Accessed: August 12, 2026. /statistics/1396466/mobile-banking-penetration-in-finland/
ÀÖ²¥´«Ã½app×îа汾. "Share of Bank Account Holders Processing Banking Matters via Mobile Banking (Smartphone or Tablet) in Finland from 1st Half 2019 to 3rd Quarter 2025." ÀÖ²¥´«Ã½app×îа汾, ÀÖ²¥´«Ã½app×îа汾 Inc., 22 Oct 2025, /statistics/1396466/mobile-banking-penetration-in-finland/
ÀÖ²¥´«Ã½app×îа汾, Share of bank account holders processing banking matters via mobile banking (smartphone or tablet) in Finland from 1st half 2019 to 3rd quarter 2025 ÀÖ²¥´«Ã½app×îа汾, /statistics/1396466/mobile-banking-penetration-in-finland/ (last visited August 12, 2026)
Share of bank account holders processing banking matters via mobile banking (smartphone or tablet) in Finland from 1st half 2019 to 3rd quarter 2025 [Graph], ÀÖ²¥´«Ã½app×îа汾, October 22, 2025. [Online]. Available: /statistics/1396466/mobile-banking-penetration-in-finland/
