This statement concerns the accessibility of the OP Business mobile app. OP Business mobile is a mobile application for OP Financial Group companies. OP Financial Group includes OP Cooperative, its group companies (such as OP Corporate Bank Plc, Pohjola Insurance Ltd, OP Life Assurance Company Ltd and OP-Services Ltd), OP Cooperative's member banks, OVY Insurance Ltd, OP-Eläkesäätiö pension foundation, OP Bank Group Pension Fund and other current and future companies, entities and foundations, in which at least one of the above individually or jointly exercise control.
The accessibility of OP Business mobile has been assessed by accessibility experts working on a project basis. In addition, continuous self-assessment has been carried out regarding the accessibility of the app.
Accessibility was assessed on an iOS device using the VoiceOver screen reader and on an Android device using the Talkback screen reader.
Provisions on accessibility requirements are specified in the Act on the Provision of Digital Services.
This Accessibility Statement was created on 15 June 2021 and has been updated regularly since then. The statement was last updated on 31 January 2025.
State of accessibility of OP Business mobile
There are shortcomings in the accessibility of OP Business mobile, and the application does not fully meet the accessibility requirements. Non-compliance with requirements and the applicable exemptions are listed below. If a non-compliance’s description does not specify the device on which it was detected, this means that the non-compliance is present on both iOS and Android devices. Accessibility issues are corrected as soon as possible after they are detected.
OP Business mobile has several accessible services and sections that can be used with ease. These services and sections include the Homepage, homepage favourites, account transactions and card views, including card security limits, card transactions and card settings. Additionally, the homepages of the Investments and Financing sections are accessible.
Inaccessible content
General
OP Business mobile has certain accessibility issues that are present in several sections of the service.. OP Business mobile also has some shortcomings in terms of overall accessibility and usability, which, however, do not violate any of the WCAG criteria. Some of the accessibility shortcomings occur on both iOS and Android devices, while others only appear on another platform.
Some of the PDF files that open from the app have accessibility issues. PDF files that open in the app cannot be adequately zoomed without using two fingers. In certain situations on iOS devices, the reading sequence of PDF files is not defined. On Android devices, the screen reader treats the entire content of PDF files as a single object. In addition to these shortcomings, documents created using old technology also contain other accessibility issues. These documents are also available as paper copies, in which case they are accessible.
The OP Business mobile user will be logged out automatically when the app is not actively used for 5 minutes (timeout specified by the second Payment Services Directive (PSD2)). However, the user is not given prior warning of this.
The app includes features that use embedded content from the OP website (such as Book a meeting, Online messages, Loss reports). These views do not fully meet accessibility requirements or support the accessibility settings offered by the device, such as resizing text, dark theme and increasing text contrast. Screen reader users may have difficulty in identifying when the device switches to the app’s embedded op.fi content.
- WCAG 1.3.1 Info and Relationships
- WCAG 2.2.1 Timing Adjustable
- WCAG 1.1.1 Non-text Content
- WCAG 1.4.4 Resize Text
- WCAG 4.1.3 Status Messages
- EN 11.5.2.5
Activation and login
The accessibility issues listed in the General section of this statement are also present in the Mobile key and when logging in to OP Business mobile. Additionally, there are issues that affect a specific group of users. These users do not have an OP user ID, but do have an OP payment card and use Mobile key to confirm card payments made online.
Accessibility issues affecting a specific user group:
- On Android devices, when entering the PIN for Mobile key, the keyboard does not follow the text input method defined in the settings. Additionally, the instructions for entering the PIN are given only after the field.
- On Android devices, when the user selects the customer role, the screen reader does not state the user's role
- Some of the individual text elements contain several paragraphs of text
- Loading animations are not read by the screen reader
- EN 11.5.2.15
- EN 11.6.2
- WCAG 1.3.1 Info and Relationships
- WCAG 1.3.2 Order Affecting Meaning
- WCAG 2.4.3 Focus Order
- WCAG 2.4.7 Focus Visible
- WCAG 4.1.2 Name, Role, Value
Daily banking services
New payment
The following shortcomings apply to Android devices. The required error messages are not shown in all views, and the due date must be selected from a calendar that the screen reader may find difficult to read. Information about a late payments is not programmatically connected to other payment information, which can be confusing for the screen reader’s user. Some of the information is only presented visually. Some of the buttons have accessible names that may be difficult to understand. Not all of the buttons are programmatically defined, or they are defined incorrectly. Mandatory fields are not indicated.
In addition, there are accessibility issues in payment services, which are described in the General section of this statement.
- WCAG 4.1.2 Name, Role, Value
- WCAG 1.3.1 Info and Relationships
- WCAG 3.2.2 Input
- WCAG 4.1.3 Status Messages
- WCAG 2.4.6 Headings and Labels
- WCAG 4.1.2 Name, Role, Value
- WCAG 3.3.2 Labels or Instructions
International payments
The International payments section is almost accessible. The section includes accessibility issues, which are described in the General section of this statement.
Payments and e-invoices
Accessibility issues appearing in the Payments and e-invoices section are described in the General section of this document.
Accounts and cards
Accounts and cards can only be reordered by dragging and dropping. The Accounts and cards section also has accessibility deficiencies, which are described in the General section of this accessibility statement.
- WCAG 2.5.7 Dragging movements
- WCAG 2.1.1 Keyboard
Account transactions
Account transactions have accessibility issues, which are described in the General section of this accessibility statement.
Card views
The Card views section is almost accessible. The section includes accessibility issues, which are described in the General section of this statement.
Increasing the credit limit
The assessment has only been carried out on an iOS device with a VoiceOver screen reader. In some situations, links are used for navigating between views where buttons should be used. Some elements are completely hidden from assistive devices. At the start of some views, there is an invisible button that has no text, but which can be focused on with a screen reader.
- WCAG 4.1.2 Name, Role, Value
- WCAG 1.3.1 Info and Relationships
- WCAG 1.3.2 Order Affecting Meaning
Your company's financial performance
The section has accessibility issues which are described in the General section of this statement.
Invoicing
The section has accessibility issues which are described in the General section of this statement.
Finance
The Loans section is nearly fully accessible. The screen reader skips some information, such as the loan interest rate graph. Some of the information in the graph is presented by only using a colour that has insufficient contrast. Lists are not programmatically defined. Screen readers may also have difficulties detecting the sums listed on the Loan information page. There are also accessibility issues in Loans, which are described in the General section of this statement. All of the accessibility issues detected in the Loans section are scheduled to be corrected during 2025.
- WCAG 1.3.1 Info and Relationships
- WCAG 1.1.1 Non-text Content
- WCAG 1.4.11 Non-text Contrast
Investments
Mutual funds and shares
In the case of buy orders (e.g. shares), when transferring to the selection of a portfolio, the screen reader does not receive information about the portfolio selected. A screen reader user only has the audible tap on screen to tell them that the selection occurred. Accessibility issues also occur during list browsing and the cursor’s location may be unclear to the user of the screen reader. In the stock market country list, the number of listed countries is not indicated, which may make reading through the list difficult for screen reader users. On Android devices, when buying a fund, the screen reader first reads the account and its sum before their significance. On iOS devices, some buttons are missing a clear text alternative. There are also accessibility issues in the section, which are described in the General section of this document.
- WCAG 1.3.1 Info and Relationships
- WCAG 4.1.2 Name, Role, Value
- WCAG 1.1.1 Non-text Content
- WCAG 2.4.6 Headings and Labels
Corporate customer’s accounting records
The accounting records have accessibility issues which are described in the General section of this statement.
Other
Customer relationship
The section includes accessibility issues, which are listed in the General section of this statement.