muutoskoodin
Muutoskoodi is a term used in Finland to refer to a temporary verification code that is generated and sent to a user when an important account or service change is initiated. The word literally translates to “change code” and is employed by banks, mobile operators, and several other service providers to confirm that the person requesting the change is an authorised user.
When a user logs into an online banking portal or a telecom account and requests to modify
In the banking sector, muutoskoodi is part of Finnish e‑banking security standards governed by the Finnish
Because the code is single‑use and time‑limited, it is considered a strong second‑factor authentication method. Users