Pentti Hakkarainen: Banks and payment services in Finland Speech by Mr Pentti Hakkarainen, Deputy Governor of the Bank of Finland, at the Nets Holding A/S Management, Helsinki, 19 September 2013. *  *  *  Accompanying slides can be found on the Bank of Finland website.
I’m glad to have this opportunity to share with you some of my views about the main trends and challenges for banks and payment services. I will also talk about Finland, but mainly as an example. The trends and challenges present everywhere have been clearly visible in our small and open market.