Quarterly adoption of cash by consumers, online or offline, in Finland 2018-2024
The share of cash transactions at POS (Point-of-Sale) in Finland declined by 15 percentage points between 2018 and 2024. This is according to two different questions asked throughout multiple surveys from Statista's Consumer Insights. The numbers shown here refer to a rolling 12-month share of respondents who indicated they used cash in a brick and mortar shop or whilst shopping online. In 2018, the share of respondents using cash transactions at POS (Point-of-Sale) stood at 79 percent, which declined to 64 percent in the third quarter of 2023. Moreover, during the same period, cash on delivery for online transactions fell by three percentage points. On the other hand, cash paid in advance for online payments rose by two percentage points.