Electronic payment services take over Use of paper-based and electronic payment instruments 1994-2003. Transactions in per cent Source: Norges Bank

Increased use of Internet banking Use of some banking services 1994-2003. Millions of transactions Source: Norges Bank

High card use Number of card payments per inhabitant per year. International comparison, 2002 Sources: Norges Bank, BIS and ECB

Decline in the use of services at the counter Payment services at bank branches 1996-2003. Millions of transactions Cash withdrawals Giros delivered Cash withdrawals and giros delivered at the counter Source: Norges Bank

Stable prices for electronic services Unit prices for electronic payments services for retail customers 1994-2004. Average for all banks. Prices in NOK Transfers by telephone Payment terminals -EFTPOS PC/Internet Source: Norges Bank

Increased prices for paper-based services Unit prices for paper-based payment services for retail customers 1994-2004. Average for all banks. Prices in NOK Giros paid in cash Giros paid at the counter Personal cheques Mail giros Source: Norges Bank