Disagree about what exactly? if only 3 cellular providers is competition then it's the same case for most countries.
Oddly enough many countries somehow seem to devolve to the magic number of "3" which is usually the one old state run company, the "1990's/1980's" deregulation one, and the newer one which is also in many countries a consortium of several 2nd wave players that had to consolidate to survive.
Clearly there are some other forces driving cellular communication in Finland other than only having 3 carriers.
Oddly enough many countries somehow seem to devolve to the magic number of "3" which is usually the one old state run company, the "1990's/1980's" deregulation one, and the newer one which is also in many countries a consortium of several 2nd wave players that had to consolidate to survive.
Clearly there are some other forces driving cellular communication in Finland other than only having 3 carriers.