--- title: "Finland" url: "https://developer.incode.com/general-reference/finland/" section: "general-reference" group: "eKYC Reference / eKYC Coverage" version: "v1.1" status: "live" --- # Finland Finland eKYC verification matches submitted individual data against Finland's source of truth using a sequenced search across multiple underlying data sources. See the [eKYC API Reference](/general-reference/ekyc-api-reference/) for common response semantics that apply across all sources. ## Available sources | Source | API source string | Description | | ---------------- | -------------------- | ------------------------------------------------------------------------------------------------------------------ | | FI National ID | `FI_NATIONAL_ID` | Runs a search across Finland's national ID database. | | Finland Consumer + Pop Register + Telco | `FI_CONSUMER_POP_REG_TELCO` | Verifies submitted data against Finland consumer records, the population register, and telco records. ## FI National ID ### Request parameters | Parameter | Required | Description | | ------------- | --------- | ---------------------------------------------------------------------- | | `source` | Mandatory | Must be `FI_NATIONAL_ID`. | | `country` | Mandatory | Must be `FI`. | | `firstName` | Mandatory | First name of the individual. Must not contain digits. | | `surName` | Mandatory | Last name of the individual. Must not contain digits. | | `dateOfBirth` | Mandatory | Format: `yyyy-mm-dd`. | | `idNumber` | Mandatory | Finnish national identity number. | | `street` | Optional | Street name and house number. | | `city` | Optional | City of the individual's address (for example, `Lappeenranta`). | | `state` | Optional | State or region. | | `postalCode` | Optional | Finland postal code. See format note below. | :::info `postalCode` must be exactly 5 digits, numeric only (no letters, spaces, or hyphens). ::: ### Sample request ```json { "plugins": ["kyc"], //required field "source": "FI_NATIONAL_ID", //required field "firstName": "Matti", //required field "surName": "Virtanen", //required field "street": "Koivukuja 12 A 4", "city": "Lappeenranta", "state": "South Karelia", "postalCode": "53100", "country": "FI", //required field "dateOfBirth": "1991-08-02", //required field "idNumber": "010203A123X" //required field } ``` ### Response fields FI National ID anchors verification on the submitted national identity number, name, date of birth, and address elements. See the [eKYC API Reference](/general-reference/ekyc-api-reference/) for common match field definitions and status values. Individual field matches for this source resolve to `exact` or `nomatch` only; `fullAddressMatch` additionally supports `fuzzy`. | Field | Statuses | Description | | --------------------- | ---------------------------- | ---------------------------------------------------------------------------------------------- | | `firstNameMatch` | `exact`, `nomatch` | Matches first name submitted against the value in the source of truth. | | `lastNameMatch` | `exact`, `nomatch` | Matches last name submitted against the value in the source of truth. | | `fullNameMatch` | `exact`, `nomatch` | Matches full name submitted against the value in the source of truth. | | `dobMatch` | `exact`, `nomatch` | Matches date of birth submitted against the value in the source of truth. | | `idNumMatch` | `exact`, `nomatch` | Matches national identity number submitted against the value in the source of truth. | | `streetMatch` | `exact`, `nomatch` | Matches street submitted against the value in the source of truth. | | `cityMatch` | `exact`, `nomatch` | Matches city submitted against the value in the source of truth. | | `stateMatch` | `exact`, `nomatch` | Matches state submitted against the value in the source of truth. | | `postalCodeMatch` | `exact`, `nomatch` | Matches postal code submitted against the value in the source of truth. | | `fullAddressMatch` | `exact`, `fuzzy`, `nomatch` | Composite of `streetMatch`, `cityMatch`, `stateMatch`, and `postalCodeMatch`. See below for calculation logic. | | `overallLevel` | `low`, `medium`, `high` | Overall risk level. See below for calculation logic. | #### `overallLevel` calculation `overallLevel` is calculated based on the risk associated with the submitted full name, national identity number, and date of birth: - `low` when `fullNameMatch`, `idNumMatch`, and `dobMatch` are all `exact`. - `high` when `fullNameMatch`, `idNumMatch`, and `dobMatch` are all `nomatch`. - `medium` for all other combinations. Contact your Incode representative to customize the `overallLevel` calculation for your use case. ### Sample response ```json { "kyc": [ { "key": "firstNameMatch", "status": "exact" }, { "key": "lastNameMatch", "status": "exact" }, { "key": "fullNameMatch", "status": "exact" }, { "key": "dobMatch", "status": "exact" }, { "key": "idNumMatch", "status": "exact" }, { "key": "streetMatch", "status": "exact" }, { "key": "cityMatch", "status": "exact" }, { "key": "stateMatch", "status": "exact" }, { "key": "postalCodeMatch", "status": "exact" }, { "key": "fullAddressMatch", "status": "exact" }, { "key": "overallLevel", "status": "low" } ] } ``` ## Finland Consumer + Pop Register + Telco ### Request parameters | Parameter | Required | Description | | ------------- | --------- | ---------------------------------------------------------------------- | | `source` | Mandatory | Must be `FI_CONSUMER_POP_REG_TELCO`. | | `country` | Mandatory | Must be `FI`. | | `firstName` | Mandatory | First name of the individual. Letters, spaces, hyphens, and apostrophes only. | | `surName` | Mandatory | Last name of the individual. Letters, spaces, hyphens, and apostrophes only. | | `phone` | Mandatory | Finland phone number. Must be either 10 digits starting with a `0` in national format, or `+358` followed by 9 digits, without the leading 0, in international format. For example, `0401234567` or `+358401234567`. | | `street` | Optional | Street name. | | `houseNo` | Optional | House or building number. | | `city` | Optional | City of the individual's address (for example, `Helsinki`). | | `postalCode` | Optional | Finland postal code. Five digits (for example, `00100`). | | `dateOfBirth` | Optional | Format: `yyyy-mm-dd`. | | `gender` | Optional | Accepted values are `m` or `f`. | | `email` | Optional | Email address of the individual. | ### Sample request ```json { "plugins": ["kyc"], //required field "source": "FI_CONSUMER_POP_REG_TELCO", //required field "firstName": "Mikko", //required field "surName": "Virtanen", //required field "phone": "+358401234567", //required field "country": "FI", //required field "street": "Mannerheimintie", //optional field "houseNo": "45", //optional field "city": "Helsinki", //optional field "postalCode": "00100", //optional field "dateOfBirth": "1991-08-02", //optional field "gender": "m", //optional field "email": "mikko.virtanen@example.com" //optional field } ``` ### Response fields Finland Consumer + Pop Register + Telco anchors verification on individual name and phone number. See the [eKYC API Reference](/general-reference/ekyc-api-reference/) for common match field definitions and status values. | Field | Statuses | Description | | --------------------- | ---------------------------- | ---------------------------------------------------------------------------------------------- | | `firstNameMatch` | `exact`, `fuzzy`, `nomatch` | Matches submitted first name against the source of truth. | | `lastNameMatch` | `exact`, `fuzzy`, `nomatch` | Matches submitted last name against the source of truth. | | `fullNameMatch` | `exact`, `fuzzy`, `nomatch` | Composite of `firstNameMatch` and `lastNameMatch`. `exact` if both match; `nomatch` if either does not match; otherwise, `fuzzy`. | | `dobMatch` | `exact`, `fuzzy`, `nomatch`, `nodata` | Matches submitted date of birth against the source of truth. | | `genderMatch` | `exact`, `fuzzy`, `nomatch`, `nodata` | Matches submitted gender against the source of truth. | | `streetMatch` | `exact`, `fuzzy`, `nomatch`, `nodata` | Matches submitted street against the source of truth. | | `houseNoMatch` | `exact`, `fuzzy`, `nomatch`, `nodata` | Matches submitted house number against the source of truth. Not used in the `fullAddressMatch` calculation. | | `streetAddressMatch` | `exact`, `fuzzy`, `nomatch`, `nodata` | Composite of `streetMatch` and `houseNoMatch`. `exact` if both match; `nomatch` if either does not match; `nodata` if both have no data; otherwise, `fuzzy`. | | `cityMatch` | `exact`, `fuzzy`, `nomatch`, `nodata` | Matches submitted city against the source of truth. | | `postalCodeMatch` | `exact`, `fuzzy`, `nomatch`, `nodata` | Matches submitted postal code against the source of truth. | | `fullAddressMatch` | `exact`, `fuzzy`, `nomatch`, `nodata` | Composite of `streetMatch`, `cityMatch`, and `postalCodeMatch`. `exact` if `streetMatch` is `exact` and `cityMatch` and `postalCodeMatch` are each `exact` or `nodata`; `nomatch` if all three are `nomatch`; `nodata` if all three are `nodata`; otherwise, `fuzzy`. | | `phoneMatch` | `exact`, `fuzzy`, `nomatch`, `nodata` | Matches submitted phone number against the source of truth. | | `emailMatch` | `exact`, `fuzzy`, `nomatch`, `nodata` | Matches submitted email address against the source of truth. | | `overallLevel` | `low`, `medium`, `high` | Overall risk level of the submitted attributes. See below for calculation logic. | #### `overallLevel` calculation `overallLevel` is calculated based on the risk associated with the submitted full name and phone number: - `low` when `fullNameMatch` is `exact` AND `phoneMatch` is `exact`. - `high` when `fullNameMatch` is `nomatch` OR `phoneMatch` is `nomatch`. - `medium` for all other combinations. Contact your Incode representative to customize the `overallLevel` calculation for your use case. ### Sample response ```json { "kyc": [ { "key": "firstNameMatch", "status": "exact" }, { "key": "lastNameMatch", "status": "exact" }, { "key": "fullNameMatch", "status": "exact" }, { "key": "dobMatch", "status": "exact" }, { "key": "genderMatch", "status": "exact" }, { "key": "streetMatch", "status": "exact" }, { "key": "houseNoMatch", "status": "exact" }, { "key": "streetAddressMatch", "status": "exact" }, { "key": "cityMatch", "status": "exact" }, { "key": "postalCodeMatch", "status": "exact" }, { "key": "fullAddressMatch", "status": "exact" }, { "key": "phoneMatch", "status": "exact" }, { "key": "emailMatch", "status": "exact" }, { "key": "overallLevel", "status": "low" } ] } ```