Finnish payment and checkout behavior - spring 2026 🇫🇮
Online bank payments remain the most preferred payment method among Finnish consumers and is widely used. The exception is the youngest consumers aged 18–29, where debit cards are the most commonly used payment method. Debit cards have also surpassed credit cards in popularity since last spring, which may reflect a more cautious consumer mindset where people prefer payment methods that help them stay within their budgets.
At the same time, a larger share of Finnish consumers report cancelling purchases during checkout. The most common reason is high shipping costs, followed by not finding a suitable delivery option. However, checkout is also increasingly used as a comparison stage where consumers review the full offer before deciding whether to complete the purchase, meaning some cancellations reflect evaluation rather than abandoned demand.
A transparent and flexible checkout is becoming increasingly important. Half of Finnish consumers say it influences where they shop online, and its importance has grown since last spring. Finnish consumers also place greater emphasis than other Nordic consumers on being able to choose delivery methods and pickup locations.
