Zenoo
eID scheme ● Integrated

Finnish Trust Network (FTN)

Finland

The Finnish Trust Network (FTN) is Finland's framework for strong electronic identification, supervised by the Finnish Transport and Communications Agency (Traficom). It connects the country's identity providers, chiefly the bank IDs issued by Finnish banks and Mobiilivarmenne, the mobile certificate run by mobile operators, so a service provider can accept any of them through one integration. FTN replaced the older TUPAS bank-authentication scheme and operates under the EU eIDAS regulation.

Scheme facts
Supervising authority Finnish Transport and Communications Agency (Traficom)
Country Finland
Methods Finnish bank IDs and Mobiilivarmenne mobile certificate
Data returned Verified name and Finnish personal identity code (henkilotunnus)
Standard Strong electronic identification under EU eIDAS
Official status Regulated national trust network, replaced TUPAS
What is itHow verification worksWhat you can buildPairs well withFAQ

What is Finnish Trust Network (FTN)?

The Finnish Trust Network (FTN) is Finland's framework for strong electronic identification, supervised by the Finnish Transport and Communications Agency (Traficom). It connects the country's identity providers, chiefly the bank IDs issued by Finnish banks and Mobiilivarmenne, the mobile certificate run by mobile operators, so a service provider can accept any of them through one integration. FTN replaced the older TUPAS bank-authentication scheme and operates under the EU eIDAS regulation.

To prove identity, the person chooses their preferred method and authenticates directly with their bank or mobile operator. With bank IDs they log in using their online banking credentials, and with Mobiilivarmenne they confirm with a PIN tied to a certificate on their SIM card. The identity provider then returns verified personal data to the service.

Because the underlying credentials are issued after in-person or bank-grade identity checks, FTN provides a high level of assurance suitable for regulated onboarding, account access, and digital signing.

How verification works

Person chooses an identification method

The customer picks their bank ID or Mobiilivarmenne and is directed to that provider to authenticate.

Provider confirms the identity

The person authenticates with their online banking credentials or a SIM-based PIN, and the identity provider verifies them.

Signals returned to your flow

A verified result, the person's name and personal identity code, and a full audit record flow straight into your Zenoo case.

What you can build

Open a bank account with strong electronic identification.
Onboard a new customer for regulated financial services.
Give returning users a trusted login to their account.
Sign contracts and agreements digitally with legal weight.
Access government and public-sector services online.

Pairs well with

Chain these into one Zenoo Studio flow so a single journey handles identity, screening, and fraud.

Coverage context

One of 209 countries, 16 indicators each

Finnish Trust Network (FTN) is one scheme in Zenoo's global coverage. Add a neighbouring register or a document fallback without changing your integration.

Swedish BankIDNorwegian BankIDDanish MitID

Frequently asked questions

How do I verify identity with the Finnish Trust Network?

The person chooses their bank ID or Mobiilivarmenne and authenticates directly with that provider. The identity provider then returns verified data such as the person's name and Finnish personal identity code to your service.

What identification methods does FTN support?

FTN brings together the bank IDs issued by Finnish banks and Mobiilivarmenne, the mobile certificate run by mobile operators, under one framework, so you can accept any of them through a single integration.

Is the Finnish Trust Network a strong electronic identification scheme?

Yes. FTN is supervised by Traficom and provides strong electronic identification under the EU eIDAS regulation, which makes it suitable for regulated onboarding and digital signing.

How does FTN verification work with Zenoo?

It runs as a pre-built connector. The person authenticates with their chosen FTN method, and Zenoo returns a verified result with the person's details and a full audit trail.

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