Zenoo
eID scheme ● Integrated

FTN

Finland

The Finnish Trust Network (FTN) is Finland’s framework for strong electronic identification, established in 2017 and supervised by Traficom, the Finnish Transport and Communications Agency. Rather than being a single credential, FTN brings together the country’s recognised electronic IDs, including the bank IDs issued by Finnish banks and Mobiilivarmenne issued by the mobile operators, behind one interface. This lets a person identify with the credential they already use, while you connect once to reach them all.

Scheme facts
Issuing authority Finnish banks and mobile operators, with the network supervised by Traficom
Country Finland
Identifier Finnish personal identity code (henkilötunnus)
Data returned Verified name and confirmation of the Finnish personal identity code
Coverage Reaches Finnish bank IDs and Mobiilivarmenne through a single connection
Official status Framework for strong electronic identification, with supported credentials at the substantial assurance level
What is itHow verification worksWhat you can buildPairs well withFAQ

What is FTN?

The Finnish Trust Network (FTN) is Finland’s framework for strong electronic identification, established in 2017 and supervised by Traficom, the Finnish Transport and Communications Agency. Rather than being a single credential, FTN brings together the country’s recognised electronic IDs, including the bank IDs issued by Finnish banks and Mobiilivarmenne issued by the mobile operators, behind one interface. This lets a person identify with the credential they already use, while you connect once to reach them all.

A person authenticates with their chosen provider, for example by logging in with their bank credentials or approving a prompt on their Mobiilivarmenne SIM certificate. On a successful authentication the network confirms the verified identity and can return details such as the person’s name and Finnish personal identity code. The customer proves who they are with their existing strong credential, so there is no document upload or selfie step.

How verification works

Person authenticates through FTN

The customer picks their bank ID or Mobiilivarmenne and proves who they are by logging in with their bank credentials or approving the prompt on their mobile certificate.

Verified identity confirmed

The network confirms the identity held by the chosen provider and returns verified details such as name and the Finnish personal identity code.

Signals returned to your flow

Once the connector is activated, a verified result, the confirmed identity details, and a full audit record flow straight into your Zenoo case.

What you can build

Open a bank account with a verified Finnish bank ID login instead of a document upload.
Onboard new customers for digital e-KYC with a trusted national credential.
Confirm a lending applicant’s identity before you extend credit.
Let customers choose their preferred bank ID or Mobiilivarmenne through one flow.
Give verified access to regulated and public online services.

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

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

Swedish BankIDBankID (Norway)MitID (Denmark)

Frequently asked questions

How do I verify a Finnish identity with FTN?

The person chooses their bank ID or Mobiilivarmenne and authenticates with that provider, for example by logging in with their bank credentials or approving a prompt on their mobile certificate. The network then confirms the identity and returns verified details such as name and the Finnish personal identity code to your service.

What data does FTN return?

On a successful authentication the network can return the person’s verified name along with confirmation of their Finnish personal identity code. There is no document upload or selfie step, because the person proves identity with an existing strong credential.

What is the Finnish Trust Network?

FTN is Finland’s framework for strong electronic identification, supervised by Traficom. It brings together the country’s recognised electronic IDs, including bank IDs and Mobiilivarmenne, so a person can identify with the credential they already use and you can reach them all through one connection.

How does FTN verification work with Zenoo?

You can activate this connector with your own account. Zenoo’s AI builds the integration, typically within a day. The person then authenticates with FTN and Zenoo returns a verified result with a full audit trail.

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