{
  "id": "banking/suomi-fi-strong-auth-not-automatic",
  "signature": "AI assumes a Finnish personal identity code alone grants access to Suomi.fi digital government services via strong authentication",
  "signature_zh": "",
  "regex": "(suomi\\.fi|vahva tunnistautuminen|mobiilivarmenne|finnish strong authentication|pankkitunnukset)",
  "domain": "banking",
  "category": "administrative_barrier",
  "subcategory": null,
  "root_cause": "Suomi.fi (Finland's digital-services portal) requires one of a short list of strong-authentication tools: bank-issued online banking credentials, a telecom mobile certificate, the hightrust.id app, or a DVV certificate card. A Finnish personal identity code (hetu) is a prerequisite to apply for these but is not itself a login credential. The mobile certificate route is a dead end for newcomers because it requires already holding Finnish bank credentials plus a postpaid mobile subscription, so opening a bank account in person is the practical first step to strong authentication.",
  "root_cause_type": "generic",
  "root_cause_zh": "",
  "versions": [
    {
      "version": "any",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "Try to activate a mobiilivarmenne (mobile certificate) as the first strong-authentication method, before holding a Finnish bank account",
      "why_fails": "Suomi.fi's own setup instructions state you need 'suomalaiset pankkitunnukset, jotka tarvitset henkilollisyytesi todentamiseen kayttoonoton yhteydessa' (Finnish bank credentials, needed to verify your identity during setup) to activate a mobile certificate, and that a prepaid subscription disqualifies you - only postpaid plans from DNA, Elisa, or Telia are accepted. It cannot be anyone's entry point into strong authentication.",
      "fail_rate": 0.9,
      "condition": "No existing Finnish bank credentials",
      "sources": [
        "https://www.suomi.fi/ohjeet-ja-tuki/tunnistus/tietoa-suomi-fi-tunnistuksessa-kaytossa-olevista-tunnistusvalineista/mobiilivarmenteen-kayttoonotto"
      ]
    },
    {
      "action": "Assume a Finnish personal identity code by itself lets you log into Suomi.fi e-services",
      "why_fails": "Suomi.fi lists the accepted strong-authentication tools as Finnish bank credentials, mobile certificate, the hightrust.id app, or a DVV certificate card; a hetu lets you apply for these but grants no login on its own.",
      "fail_rate": 0.7,
      "condition": "Newcomer with a hetu but no bank account yet",
      "sources": [
        "https://www.suomi.fi/ohjeet-ja-tuki/tunnistus/tietoa-suomi-fi-tunnistuksessa-kaytossa-olevista-tunnistusvalineista"
      ]
    }
  ],
  "workarounds": [
    {
      "action": "Open a Finnish bank account in person, using your hetu, passport, and proof of address, to obtain bank-issued online banking credentials (pankkitunnukset) - the fastest route to a first strong-authentication tool",
      "success_rate": 0.85,
      "how": "Once you hold pankkitunnukset you can also activate a mobile certificate with a postpaid subscription if you want a second authentication tool for your phone.",
      "condition": "Has a hetu, needs first strong-auth credential",
      "sources": [
        "https://www.suomi.fi/ohjeet-ja-tuki/tunnistus/tietoa-suomi-fi-tunnistuksessa-kaytossa-olevista-tunnistusvalineista"
      ]
    },
    {
      "action": "If you do not yet have a hetu at all, use DVV's Finnish Authenticator app for remote identity verification into a limited set of e-services such as Suomi.fi e-Authorizations",
      "success_rate": 0.6,
      "how": "Register a foreigner identifier and verify identity with a passport photo and a selfie inside the app; DVV notes this method does not meet the eIDAS 'high' assurance level, so some services will still be out of reach.",
      "condition": "No hetu and no Finnish bank account",
      "sources": [
        "https://dvv.fi/en/finnish-authenticator-identification-service1"
      ]
    }
  ],
  "workarounds_zh": [],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": [
      "policy/personal-identity-code-required/fi"
    ]
  },
  "official_doc_url": null,
  "official_doc_section": null,
  "error_code": null,
  "verification_tier": "ai_generated",
  "confidence": 0.7,
  "fix_success_rate": 0.75,
  "resolvable": "true",
  "first_seen": "2026-08-20",
  "last_confirmed": "2026-08-20",
  "last_updated": "2026-08-20",
  "evidence_count": 3,
  "tags": [],
  "locale": "en",
  "aliases": [
    "banking/suomi-fi-strong-auth-not-automatic/fi"
  ]
}