Payment card ownership and usage is high in Norway, with most people owning at least two cards. Credit card usage is also high compared to other countries, though debit cards are used more domestically. Online shopping is well-established in Norway and growing rapidly, with both e-commerce and m-commerce expected to double over the next five years. Contactless payments have seen fast adoption in Norway, though upgrading merchant terminals is needed to further grow consumer usage of contactless and mobile payments.