[flimflamm]

Except if you are a Finnish person who lives right next to Sweden (SEK) and Norway (NOK) who are not using Euro (and Russia but that's a different story).

[lawn]

I live in Sweden at the border of Finland and there's very little issues with crossing the border and paying in another currency.

[jojobas]

Was it any easier when Finland was using the markka?

[euroderf]

Back in the late 80s, when you wanted to convert your foreign currency to markka, you had to go to a bank and fill out a form. Much friction.