It showed people in Finland made an average of 450 non-cash payments in 2013, more than any other nationality, thanks to innovations in payments system, and a strong economy and private spending. Its cold winters also encourage the use of e-commerce.
The report said people in the United States were next most active, making 390 non-cash transactions on average in 2013, followed by the inhabitants of the Netherlands, Australia, Denmark, South Korea and Sweden.
Payments by cards, direct debits and credit transfers are booming as people turn to mobile banking, contactless cards and other innovations rather than cash.
The report, a joint venture between Capgemini and Royal Bank of Scotland, said further advances could come from blockchain technology—a growing, decentralized database that allows secure digital transfers.