Ewallettyyppinen

Ewallettyyppinen is a Finnish-language adjective used to describe systems, services, or data structures that function like an electronic wallet. The term combines e-wallet with the Finnish suffix -tyyppinen, meaning "of the type" or "characteristic of". In Finnish fintech and IT discourse, ewallettyyppinen describes digital wallet solutions that can store payment instruments and other digital credentials, manage access rights, and enable electronic transactions between users, merchants, and services.

Typical features of ewallettyyppinen solutions include storing payment methods (credit or debit cards, bank accounts, or digital tokens), enabling tokenized transactions, providing user authentication and authorization, and supporting multiple payment channels such as in-app payments, NFC-based contactless payments, and QR payments. Many implementations also integrate loyalty cards, tickets, receipts, and identity attributes to streamline commerce and identity verification.

Security and regulatory aspects are central: ewallettyyppinen systems rely on encryption, secure element or device-bound storage, biometric or multi-factor authentication, and tokenization. They are often designed to comply with standards and regulations such as PCI DSS, PSD2 and, where applicable, strong customer authentication (SCA).

The term is descriptive rather than a formal standard, used to categorize a broad class of wallet-like digital payment solutions. It contrasts with hardware wallets or cryptocurrency wallets and can apply to consumer, merchant, or business-focused applications.

See also: digital wallet, mobile wallet, payment tokenization.