Originally conceived as an alternative to the official monetary system, cryptocurrencies have failed to realise their intended purpose.
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Finns are among the leaders in Europe in the use of digital financial services. Nordic banks have invested in digital services.
In retail banking, the two key services are the provision of credit and management of payment transfers. The revised Payment Services Directive (PSD2), which entered into force in Finland in January 2018 may revolutionise the operating environment for banks.