The Bank of Finland says use of cash by consumers in the country has been in steady decline since 2000 and the use of electronic payment methods have risen in an equal measure. Some 10 years ago, about onethird of people in the country used cash on a regular basis. Now cash is mostly used by senior citizens who still prefer to do so. But the bank said individuals who keep a close eye on their finances also prefer paying with bank notes and coins. Some public agencies in the country do accept cash. And there is no law which requires shops and services to accept cash payments - unless a customer has no other way of paying than with bank notes. The central bank, however, said there are still many good reasons to continue using hard currency. For example, cash can be used to supplement electronic payment methods, as it helps to balance things out.