I moved Finland 30 years ago. Checks for private customers did no longer exist at that time. (Checks for businesses reportedly still existed a couple of years.)

Since the pandemic started I have not carried a wallet (paying cash was seen as some kind anti-social behavior with high risk to infect someone) There are zero places where I would need cash. An increasing number of places does not accept cash.

For some ten years we have had international account numbers (IBAN). Transfers inside the Euro zone cost nothing (included in every basic account package) and take one banking day.

Nowadays there are several transfer apps where the transfer takes seconds or less. I am not using those because I run a Google-free Android and have root on my phone.