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

2. Increased use of Internet banking
Use of some banking services Millions of transactions
Source: Norges Bank

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

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

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

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