Yes, AFAIK there is no local payment network in Finland (unless it is completely hidden from users and merchants somehow), and Finnish cards are definitely not

Yes, AFAIK there is no local payment network in Finland (unless it is completely hidden from users and merchants somehow), and Finnish cards are definitely not co-branded. The Nets rate for non-Finnish in-EU debit cards is 0.51% and for non-EU debit cards it is 1.71%, and +0.80% for corporate cards (all 2017 rates and for Visa/MC only).