Table of Content

1 About this Report
1.1 Summary
1.2 Methodology
1.3 Cashback Reward Programs Definitions
1.4 Disclaimer


2 Finland Total Transaction Value of Cashback, 2020-2029


3 Finland Total Transaction Value of Cashback by Business Model, 2020-2029
3.1 Finland Total Transaction Value of Cashback Market Share by Business Model, 2023
3.2 Finland Total Transaction Value of Cashback by Retail Firms, 2020-2029
3.3 Finland Total Transaction Value of Cashback by Cashback Apps and Partner Programs, 2020-2029
3.4 Finland Total Transaction Value of Cashback by Financial Services Firms, 2020-2029


4 Finland Cashback Program Sector Statistics: Key Performance Indicators
4.1 Finland Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
4.2 Finland Key Performance Metrics of Cashback Programs, 2023


5 Finland Cashback Spend Market Size and Future Growth Dynamics by Business Model, 2020-2029
5.1 Finland Cashback Spend Market Share by Business Model, 2023
5.2 Finland Cashback Spend by Retail Firms, 2020-2029
5.3 Finland Cashback Spend by Cashback Apps and Partner Programs, 2020-2029
5.4 Finland Cashback Spend by Financial Services Firms, 2020-2029


6 Finland Cashback Spend Market Size and Future Growth Dynamics by Channel, 2020-2029
6.1 Finland Cashback Spend Market Share by Channel, 2023
6.2 Finland Cashback Spend by Online, 2020-2029
6.3 Finland Cashback Spend by In-store, 2020-2029
6.4 Finland Cashback Spend by Mobile App, 2020-2029


7 Finland Cashback Spend Market Size and Future Growth Dynamics by Cashback Program Type, 2020-2029
7.1 Finland Cashback Spend Market Share by Cashback Program Type, 2023
7.2 Finland Cashback Spend by Percentage-Based Cashback, 2020-2029
7.3 Finland Cashback Spend by Flat-Rate Cashback Programs, 2020-2029
7.4 Finland Cashback Spend by Tiered Cashback Programs, 2020-2029
7.5 Finland Cashback Spend by Introductory Cashback, 2020-2029
7.6 Finland Cashback Spend by Rotating Categories, 2020-2029
7.7 Finland Cashback Spend by Bonus Category Cashback Programs, 2020-2029
7.8 Finland Cashback Spend by Customizable Cashback Programs, 2020-2029
7.9 Finland Cashback Spend by App-Based Cashback Programs, 2020-2029
7.10 Finland Cashback Spend by Loyalty Program Cashback, 2020-2029
7.11 Finland Cashback Spend by Affiliate Cashback Programs, 2020-2029
7.12 Finland Cashback Spend by Other Cashback Programs, 2020-2029


8 Finland Cashback Spend Market Size and Future Growth Dynamics by End-Use Sector, 2020-2029
8.1 Finland Cashback Spend Market Share by End-Use Sector, 2023
8.2 Finland Cashback Spend by Retail, 2020-2029
8.3 Finland Cashback Spend by Financial Services, 2020-2029
8.5 Finland Cashback Spend by Healthcare & Wellness, 2020-2029
8.6 Finland Cashback Spend by Restaurants & Food Delivery, 2020-2029
8.7 Finland Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines), 2020-2029
8.8 Finland Cashback Spend by Media & Entertainment, 2020-2029
8.9 Finland Cashback Spend by Others, 2020-2029


9 Finland Online Cashback Spend Market Size and Future Growth Dynamics by End-Use Sector, 2020-2029
9.1 Finland Online Cashback Spend Market Share by End-Use Sector, 2023
9.2 Finland Online Cashback Spend by Retail, 2020-2029
9.3 Finland Online Cashback Spend by Financial Services, 2020-2029
9.5 Finland Online Cashback Spend by Healthcare & Wellness, 2020-2029
9.6 Finland Online Cashback Spend by Restaurants & Food Delivery, 2020-2029
9.7 Finland Online Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines), 2020-2029
9.8 Finland Online Cashback Spend by Media & Entertainment, 2020-2029
9.9 Finland Online Cashback Spend by Others, 2020-2029


10 Finland In-store Cashback Spend Market Size and Future Growth Dynamics by End-Use Sector, 2020-2029
10.1 Finland In-store Cashback Spend Market Share by End-Use Sector, 2023
10.2 Finland In-store Cashback Spend by Retail, 2020-2029
10.3 Finland In-store Cashback Spend by Financial Services, 2020-2029
10.5 Finland In-store Cashback Spend by Healthcare & Wellness, 2020-2029
10.6 Finland In-store Cashback Spend by Restaurants & Food Delivery, 2020-2029
10.7 Finland In-store Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines), 2020-2029
10.8 Finland In-store Cashback Spend by Media & Entertainment, 2020-2029
10.9 Finland In-store Cashback Spend by Others, 2020-2029


11 Finland Mobile App Cashback Spend Market Size and Future Growth Dynamics by End-Use Sector, 2020-2029
11.1 Finland Mobile App Cashback Spend Market Share by End-Use Sector, 2023
11.2 Finland Mobile App Cashback Spend by Retail, 2020-2029
11.3 Finland Mobile App Cashback Spend by Financial Services, 2020-2029
11.5 Finland Mobile App Cashback Spend by Healthcare & Wellness, 2020-2029
11.6 Finland Mobile App Cashback Spend by Restaurants & Food Delivery, 2020-2029
11.7 Finland Mobile App Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines), 2020-2029
11.8 Finland Mobile App Cashback Spend by Media & Entertainment, 2020-2029
11.9 Finland Mobile App Cashback Spend by Others, 2020-2029


12 Finland Retail Sector Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
12.1 Finland Retail Sector Cashback Spend Market Share by Segments, 2023
12.2 Finland Cashback Spend by E-commerce, 2020-2029
12.3 Finland Cashback Spend by Department Stores, 2020-2029
12.4 Finland Cashback Spend by Specialty Stores, 2020-2029
12.5 Finland Cashback Spend by Clothing, Footwear & Accessories, 2020-2029
12.6 Finland Cashback Spend by Supermarket and Convenience Store, 2020-2029
12.7 Finland Cashback Spend by Home Improvement, 2020-2029
12.8 Finland Cashback Spend by Others, 2020-2029


13 Finland Financial Services Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
13.1 Finland Financial Services Cashback Spend Market Share by Segments, 2023
13.2 Finland Cashback Spend by Credit Cards, 2020-2029
13.3 Finland Cashback Spend by Debit Cards, 2020-2029
13.4 Finland Cashback Spend by Digital Wallets, 2020-2029
13.5 Finland Cashback Spend by Banking Apps, 2020-2029
13.6 Finland Cashback Spend by Prepaid Cards, 2020-2029
13.7 Finland Cashback Spend by Cash Vouchers, 2020-2029


14 Finland Healthcare & Wellness Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
14.1 Finland Healthcare & Wellness Cashback Spend Market Share by Segments, 2023
14.2 Finland Cashback Spend by Health Products, 2020-2029
14.3 Finland Cashback Spend by Fitness Services, 2020-2029


15 Finland Restaurants & Food Delivery Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
15.1 Finland Restaurants & Food Delivery Cashback Spend Market Share by Segments, 2023
15.2 Finland Cashback Spend by Food Delivery Apps, 2020-2029
15.3 Finland Cashback Spend by Dinning Out, 2020-2029


16 Finland Travel & Hospitality (Cabs, Hotels, Airlines) Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
16.1 Finland Travel & Hospitality (Cabs, Hotels, Airlines) Cashback Spend Market Share by Segments, 2023
16.2 Finland Cashback Spend by Airlines, 2020-2029
16.3 Finland Cashback Spend by Hotels, 2020-2029
16.4 Finland Cashback Spend by Cabs and Rideshares, 2020-2029

17 Finland Media & Entertainment Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
17.1 Finland Media & Entertainment Cashback Spend Market Share by Segments, 2023
17.2 Finland Cashback Spend by Streaming Services, 2020-2029
17.3 Finland Cashback Spend by Digital Content Purchases, 2020-2029

18 Finland Cashback Spend Market Size and Future Growth Dynamics by Consumer Demographics & Behaviour, 2020-2029
18.1 Finland Cashback Spend Market Share by Age Group, 2023
18.2 Finland Cashback Spend Market Share by Income Level, 2023
18.3 Finland Cashback Spend Market Share by Gender, 2023

19 Key Company Profiles in Finland?s Cashback Market
19.1 Cashback Company Profile: Company 1
19.2 Cashback Company Profile: Company 2
19.3 Cashback Company Profile: Company 3
19.4 Cashback Company Profile: Company 4
19.5 Cashback Company Profile: Company 5



List of Figures

Figure 1: PayNXT360’s Methodology Framework
Figure 2: Finland Total Transaction Value of Cashback (US$ Million), 2020-2029
Figure 3: Finland Cashback Spend Market Share by Business Model (%), 2023
Figure 4: Finland Total Transaction Value of Cashback by Retail Firms (US$ Million), 2020-2029
Figure 5: Finland Total Transaction Value of Cashback by Partner Programs (US$ Million), 2020-2029
Figure 6: Finland Total Transaction Value of Cashback by Financial Services Firms (US$ Million), 2020-2029
Figure 7: Finland Total Cashback Spend Market Size (US$ Million), 2020-2029
Figure 8: Finland Cashback Spend Market Share by Key Indicators (%), 2023
Figure 9: Finland Cashback Spend Market Share by Business Model (%), 2023
Figure 10: Finland Cashback Spend by Retail Firms (US$ Million), 2020-2029
Figure 11: Finland Cashback Spend by Partner Programs (US$ Million), 2020-2029
Figure 12: Finland Cashback Spend by Financial Services Firms (US$ Million), 2020-2029
Figure 13: Finland Cashback Spend Market Share by Channel (%), 2023
Figure 14: Finland Cashback Spend by Online (US$ Million), 2020-2029
Figure 15: Finland Cashback Spend by In-store (US$ Million), 2020-2029
Figure 16: Finland Cashback Spend by Mobile App (US$ Million), 2020-2029
Figure 17: Finland Cashback Spend Market Share by Cashback Program Type (%), 2023
Figure 18: Finland Cashback Spend by Percentage-Based Cashback (US$ Million), 2020-2029
Figure 19: Finland Cashback Spend by Flat-Rate Cashback Programs (US$ Million), 2020-2029
Figure 20: Finland Cashback Spend by Tiered Cashback Programs (US$ Million), 2020-2029
Figure 21: Finland Cashback Spend by Introductory Cashback (US$ Million), 2020-2029
Figure 22: Finland Cashback Spend by Rotating Categories (US$ Million), 2020-2029
Figure 23: Finland Cashback Spend by Bonus Category Cashback Programs (US$ Million), 2020-2029
Figure 24: Finland Cashback Spend by Customizable Cashback Programs (US$ Million), 2020-2029
Figure 25: Finland Cashback Spend by App-Based Cashback Programs (US$ Million), 2020-2029
Figure 26: Finland Cashback Spend by Loyalty Program Cashback (US$ Million), 2020-2029
Figure 27: Finland Cashback Spend by Affiliate Cashback Programs (US$ Million), 2020-2029
Figure 28: Finland Cashback Spend by Other Cashback Programs (US$ Million), 2020-2029
Figure 29: Finland Cashback Spend Market Share by End-Use Sector (%), 2023
Figure 30: Finland Cashback Spend by Retail (US$ Million), 2020-2029
Figure 31: Finland Cashback Spend by Financial Services (US$ Million), 2020-2029
Figure 32: Finland Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Figure 33: Finland Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Figure 34: Finland Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Figure 35: Finland Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Figure 36: Finland Cashback Spend by Others (US$ Million), 2020-2029
Figure 37: Finland Online Cashback Spend Market Share by End-Use Sector (%), 2023
Figure 38: Finland Online Cashback Spend by Retail (US$ Million), 2020-2029
Figure 39: Finland Online Cashback Spend by Financial Services (US$ Million), 2020-2029
Figure 40: Finland Online Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Figure 41: Finland Online Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Figure 42: Finland Online Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Figure 43: Finland Online Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Figure 44: Finland Online Cashback Spend by Others (US$ Million), 2020-2029
Figure 45: Finland In-store Cashback Spend Market Share by End-Use Sector (%), 2023
Figure 46: Finland In-store Cashback Spend by Retail (US$ Million), 2020-2029
Figure 47: Finland In-store Cashback Spend by Financial Services (US$ Million), 2020-2029
Figure 48: Finland In-store Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Figure 49: Finland In-store Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Figure 50: Finland In-store Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Figure 51: Finland In-store Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Figure 52: Finland In-store Cashback Spend by Others (US$ Million), 2020-2029
Figure 53: Finland Mobile App Cashback Spend Market Share by End-Use Sector (%), 2023
Figure 54: Finland Mobile App Cashback Spend by Retail (US$ Million), 2020-2029
Figure 55: Finland Mobile App Cashback Spend by Financial Services (US$ Million), 2020-2029
Figure 56: Finland Mobile App Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Figure 57: Finland Mobile App Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Figure 58: Finland Mobile App Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Figure 59: Finland Mobile App Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Figure 60: Finland Mobile App Cashback Spend by Others (US$ Million), 2020-2029
Figure 61: Finland Retail Sector Cashback Spend Market Share by Segments (%), 2023
Figure 62: Finland Cashback Spend by E-commerce (US$ Million), 2020-2029
Figure 63: Finland Cashback Spend by Department Stores (US$ Million), 2020-2029
Figure 64: Finland Cashback Spend by Specialty Stores (US$ Million), 2020-2029
Figure 65: Finland Cashback Spend by Clothing, Footwear & Accessories (US$ Million), 2020-2029
Figure 66: Finland Cashback Spend by Supermarket and Convenience Store (US$ Million), 2020-2029
Figure 67: Finland Cashback Spend by Home Improvement (US$ Million), 2020-2029
Figure 68: Finland Cashback Spend by Others (US$ Million), 2020-2029
Figure 69: Finland Cashback Spend Market Share by Segments (%), 2023
Figure 70: Finland Cashback Spend by Credit Cards (US$ Million), 2020-2029
Figure 71: Finland Cashback Spend by Debit Cards (US$ Million), 2020-2029
Figure 72: Finland Cashback Spend by Digital Wallets (US$ Million), 2020-2029
Figure 73: Finland Cashback Spend by Banking Apps (US$ Million), 2020-2029
Figure 74: Finland Cashback Spend by Prepaid Cards (US$ Million), 2020-2029
Figure 75: Finland Cashback Spend by Cash Vouchers (US$ Million), 2020-2029
Figure 76: Finland Healthcare & Wellness Cashback Spend Market Share by Segments (%), 2023
Figure 77: Finland Cashback Spend by Health Products (US$ Million), 2020-2029
Figure 78: Finland Cashback Spend by Fitness Services (US$ Million), 2020-2029
Figure 79: Finland Restaurants & Food Delivery Cashback Spend Market Share by Segments (%), 2023
Figure 80: Finland Cashback Spend by Food Delivery Apps (US$ Million), 2020-2029
Figure 81: Finland Cashback Spend by Food Delivery Apps (US$ Million), 2020-2029
Figure 82: Finland Travel & Hospitality (Cabs, Hotels, Airlines) Cashback Spend Market Share by Segments (%), 2023
Figure 83: Finland Cashback Spend by Airlines e (US$ Million), 2020-2029
Figure 84: Finland Cashback Spend by Hotels (US$ Million), 2020-2029
Figure 85: Finland Cashback Spend by Cabs and Rideshares (US$ Million), 2020-2029
Figure 86: Finland Media & Entertainment Cashback Spend Market Share by Segments (%), 2023
Figure 87: Finland Cashback Spend by Streaming Services (US$ Million), 2020-2029
Figure 88: Finland Cashback Spend by Digital Content Purchases (US$ Million), 2020-2029
Figure 89: Finland Cashback Spend Market Share by Age Group (%), 2023
Figure 90: Finland Cashback Spend Market Share by Income Level (%), 2023
Figure 91: Finland Cashback Spend Market Share by Gender (%), 2023

List of Tables

Table 1: Finland Total Transaction Value of Cashback (US$ Million), 2020-2029
Table 2: Finland Total Transaction Value of Cashback by Retail Firms (US$ Million), 2020-2029
Table 3: Finland Cashback Spend by Partner Programs (US$ Million), 2020-2029
Table 4: Finland Total Transaction Value of Cashback by Financial Services Firms (US$ Million), 2020-2029
Table 5: Finland Total Cashback Spend Market Size (US$ Million), 2020-2029
Table 6: Finland Cashback Spend by Retail Firms (US$ Million), 2020-2029
Table 7: Finland Cashback Spend by Partner Programs (US$ Million), 2020-2029
Table 8: Finland Cashback Spend by Financial Services Firms (US$ Million), 2020-2029
Table 9: Finland Cashback Spend by Online (US$ Million), 2020-2029
Table 10: Finland Cashback Spend by In-store (US$ Million), 2020-2029
Table 11: Finland Cashback Spend by Mobile App (US$ Million), 2020-2029
Table 12: Finland Cashback Spend by Percentage-Based Cashback (US$ Million), 2020-2029
Table 13: Finland Cashback Spend by Flat-Rate Cashback Programs (US$ Million), 2020-2029
Table 14: Finland Cashback Spend by Tiered Cashback Programs (US$ Million), 2020-2029
Table 15: Finland Cashback Spend by Introductory Cashback (US$ Million), 2020-2029
Table 16: Finland Cashback Spend by Rotating Categories (US$ Million), 2020-2029
Table 17: Finland Cashback Spend by Bonus Category Cashback Programs (US$ Million), 2020-2029
Table 18: Finland Cashback Spend by Customizable Cashback Programs (US$ Million), 2020-2029
Table 19: Finland Cashback Spend by App-Based Cashback Programs (US$ Million), 2020-2029
Table 20: Finland Cashback Spend by Loyalty Program Cashback (US$ Million), 2020-2029
Table 21: Finland Cashback Spend by Affiliate Cashback Programs (US$ Million), 2020-2029
Table 22: Finland Cashback Spend by Other Cashback Programs (US$ Million), 2020-2029
Table 23: Finland Cashback Spend by Retail (US$ Million), 2020-2029
Table 24: Finland Cashback Spend by Financial Services (US$ Million), 2020-2029
Table 25: Finland Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Table 26: Finland Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Table 27: Finland Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Table 28: Finland Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Table 29: Finland Cashback Spend by Others (US$ Million), 2020-2029
Table 30: Finland Online Cashback Spend by Retail (US$ Million), 2020-2029
Table 31: Finland Online Cashback Spend by Financial Services (US$ Million), 2020-2029
Table 32: Finland Online Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Table 33: Finland Online Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Table 34: Finland Online Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Table 35: Finland Online Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Table 36: Finland Online Cashback Spend by Others (US$ Million), 2020-2029
Table 37: Finland In-store Cashback Spend by Retail (US$ Million), 2020-2029
Table 38: Finland In-store Cashback Spend by Financial Services (US$ Million), 2020-2029
Table 39: Finland In-store Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Table 40: Finland In-store Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Table 41: Finland In-store Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Table 42: Finland In-store Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Table 43: Finland In-store Cashback Spend by Others (US$ Million), 2020-2029
Table 44: Finland Mobile App Cashback Spend by Retail (US$ Million), 2020-2029
Table 45: Finland Mobile App Cashback Spend by Financial Services (US$ Million), 2020-2029
Table 46: Finland Mobile App Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Table 47: Finland Mobile App Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Table 48: Finland Mobile App Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Table 49: Finland Mobile App Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Table 50: Finland Mobile App Cashback Spend by Others (US$ Million), 2020-2029
Table 51: Finland Cashback Spend by E-commerce (US$ Million), 2020-2029
Table 52: Finland Cashback Spend by Department Stores (US$ Million), 2020-2029
Table 53: Finland Cashback Spend by Specialty Stores (US$ Million), 2020-2029
Table 54: Finland Cashback Spend by Clothing, Footwear & Accessories (US$ Million), 2020-2029
Table 55: Finland Cashback Spend by Supermarket and Convenience Store (US$ Million), 2020-2029
Table 56: Finland Cashback Spend by Home Improvement (US$ Million), 2020-2029
Table 57: Finland Cashback Spend by Others (US$ Million), 2020-2029
Table 58: Finland Cashback Spend by Credit Cards (US$ Million), 2020-2029
Table 59: Finland Cashback Spend by Debit Cards (US$ Million), 2020-2029
Table 60: Finland Cashback Spend by Digital Wallets (US$ Million), 2020-2029
Table 61: Finland Cashback Spend by Banking Apps (US$ Million), 2020-2029
Table 62: Finland Cashback Spend by Prepaid Cards (US$ Million), 2020-2029
Table 63: Finland Cashback Spend by Cash Vouchers (US$ Million), 2020-2029
Table 64: Finland Cashback Spend by Health Products (US$ Million), 2020-2029
Table 65: Finland Cashback Spend by Fitness Services (US$ Million), 2020-2029
Table 66: Finland Cashback Spend by Food Delivery Apps (US$ Million), 2020-2029
Table 67: Finland Cashback Spend by In-store (US$ Million), 2020-2029
Table 68: Finland Cashback Spend by Airlines (US$ Million), 2020-2029
Table 69: Finland Cashback Spend by Hotels (US$ Million), 2020-2029
Table 70: Finland Cashback Spend by Cabs and Rideshares (US$ Million), 2020-2029
Table 71: Finland Cashback Spend by Streaming Services (US$ Million), 2020-2029
Table 72: Finland Cashback Spend by Digital Content Purchases (US$ Million), 2020-2029