A Nordic study (PTS in Sweden) reveals that the mobile share of minutes in outgoing telephone calls in 2008 were the following:
The study is claiming that fixed line telephony was so much cheaper in Sweden that this explains the difference compared to Finland. I do not share this view - it just seems to be so that Nokia had a bigger fashion impact on behavior than Ericsson. Sweden
was according to comments to the study distanced by the other Scandinavians as price on mobile and SMS nosedived earlier and faster than in Sweden.
Has this had a big impact on using the mobile for banking? Not yet at least. Finland launched SMS-balance&transaction reporting early and is ahead here. But when it comes to e-banking going m there is no significant difference. The PC-banking habit dates
back to the early 80s in Finland and has created a habit prison that has prevented large scale escape as long as mobile phones were more phones than multimedia computers.