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Swedish consumer survey shows large interest in biometric cards in response to Covid-19 payment concerns in stores

17 November 2020

Almost 70 percent of respondents in a new Swedish consumer study would be interested in a biometric payment card without having to touch the point-of-sale terminal. Due to the Covid-19 pandemic, the respondents expressed a strong interest in more hygienic and secure payment methods when shopping in stores. The study was carried out in October 2020 by TietoEVRY together with biometric fintech company Zwipe.

Although smartphones are on the rise as the primary payment method (24%), the study shows that in retail shopping contactless-enabled bank cards are still the predominant form of in-store retail payment in Sweden (72%). When considering the present Covid-19 pandemic, more than 80 percent of respondents are very or somewhat concerned about touching point-of-sale terminals when shopping in-store.

80 percent of the respondents are also worried about the risk of infection when using their payment card and touching the payment terminal to type in the PIN code to complete a transaction.

Almost 70 percent of the respondents expressed interest in a payment card that would increase the safety of payment transactions by eliminating the need to touch the payment terminal and/or enter their PIN codes.

See the results from the consumer study here

Strong interest in biometric payments cards: 75 percent want their next card to be enabled with biometric capability

New developments are opening the door to new payment methods such as biometric payment cards. According to recent research, awareness among Swedish consumers of biometric cards is on the rise. While 27 percent of the respondents had heard about biometric payment cards before participating in the survey, the majority (73%) was unaware of this innovation.

Biometric payment cards use fingerprint authentication technology enabled by on-card fingerprint sensor and software. This allows for convenient contactless payments, even for large transaction amounts, without the need to enter the PIN.

All contactless-enabled payments can be conducted without touching the payment terminal. Consumers simply enroll their fingerprint on their card at home, and the fingerprint template used for on-card authentication is stored only the card, nowhere else.

As awareness of biometric cards grows, so will demand. 75 percent of the respondents would like their next payment card to be biometric enabled. This finding is based on the responses of survey respondents who were shown a short video presenting biometric payment cards.

“Being able to address Covid-19 with a safer and more secure payment method stands out as a clear desire among the consumers. Currently, we see a strong interest in the market, not only for a safer and more secure and convenient payment method, but also for more hygienic options at points of sale. We believe that biometric payment cards address these demands in a unique way,” says Jarmo Rouhiainen, Head of Card Production and Personalization at TietoEVRY.

Consumer willingness to pay extra for biometric payment cards

The survey also shows that:

  • 59 percent of respondents would be willing to pay an extra monthly fee if their current bank offered biometric payment cards. 41 percent would expect a biometric card option to be covered by their existing annual bank fees.
  • 47 percent would be interested in paying a monthly fee of SEK 10–50 for a biometric payment card with no additional benefits.
  • 12 percent would pay a monthly fee between SEK 51–99 for a biometric payment card alongside other card holder benefits.
  • In addition, nearly half of the respondents (48%) would switch banks if they were offered a biometric payment card by a bank other than their current one, to get access to safer and more secure payments.

“Consumers’ feedback shows that biometric payment cards represent a strong business case for issuers, accelerating customer acquisition, uplifting loyalty and creating new revenue streams. We are excited to see such a strong demand from Swedish consumers, and about addressing their needs together with TietoEVRY,” says André Løvestam, CEO of Zwipe.

About the survey

  • The survey was conducted in Sweden in October 2020 by Zwipe and TietoEVRY.
  • In total, 202 people aged between 18 and 60+ responded to the survey.
  • Respondents were representatively distributed according to age, gender and socio-economic status, and the entire subset of respondents had a household income above SEK 300,000.
  • Age distribution:23 percent aged 18–29, 40 percent aged 30–44, 23 percent aged 45–60, and 14 percent aged 60+.
  • Gender distribution: 53 percent of respondents were female and 47 percent male.

Contact person:

TietoEVRY Newsdesk
+358 40 5704072 

André Løvestam, CEO, Zwipe

Jarmo Rouhiainen, Head of Card Production and Personalisation, TietoEVRY
+358 40 558 3077


TietoEVRY creates digital advantage for businesses and society. We are a leading digital services and software company with local presence and global capabilities. Our Nordic values and heritage steer our success.

Headquartered in Finland, TietoEVRY employs around 24 000 experts globally. The company serves thousands of enterprise and public sector customers in more than 90 countries. TietoEVRY’s annual turnover is approximately EUR 3 billion and its shares are listed on the NASDAQ in Helsinki and Stockholm as well as on the Oslo Børs.

Zwipe is pioneering the next generation contactless payments experience, providing biometric payment cards and wearables that enable consumers to authorize transactions with their fingerprints without compromising their privacy. Together with an ecosystem of partners including global brands within digital security and financial services, Zwipe is "Making Convenience Safe & Secure" for banks, merchants and consumers. Zwipe's solutions address the hygiene and data theft pitfalls inherent in traditional authentication methods. Headquartered in Oslo, Norway, with a global presence, Zwipe is leading the next great shift in payments from contactless to contact free. To learn more visit

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