e-Estonia Programme for Financial Sector

  • Introduction to the e-state

    with e-Estonia Briefing Centre

    Estonians are pathfinders, who have built an efficient, secure and transparent ecosystem that saves time and money. e-Estonia invites you to follow the digital journey. The initial part introduces and demonstrates the underlying mechanisms involved in digitizing a society, an overview of the main challenges and policies, an understanding of the infrastructure, e-solutions and services.


    World-leading electronic identity and timestamping solutions

    with SK ID Solutions

    Estonia has by far the most advanced national ID card system in the world. Much more than a legal photo ID, the mandatory national card also provides digital access to all of Estonia’s secure e-services. In cooperation of SK ID Solutions and Cybernetica the so-called Smart ID was developed. Smart-ID is an app based new generation electronic identity designed to use conveniently on smart devices, while still keeping high level of security.


    X-road data exchange between government and private sector entities


    The X-Road is the backbone of e-Estonia and was initiated by the Estonian government to enable secure data exchange between governmental organisations. The first version was developed by Cybernetica and launched in 2001.

    X-Road is a distributed information exchange platform that makes it possible for all different systems to communicate all across the governmental sector; for example, the police can access data from the health system, tax board or business registry and vice versa.

    It has enabled to increase the depth of cooperation between public organizations and reduced paper work exponentially so that public employees can concentrate on tasks that require human interaction.


    API-first, cloud-agnostic and highly configurable without coding modular core banking platform

    With Tuum

    Their core banking platform has been carefully developed with agility and flexibility in mind. Modularity is a key concept in our design; you choose only the capabilities you need and, like a multi-tool, we provide They with the most appropriate choice of technology to supercharge your business from within. The platform is API-first and built around a microservices architecture, ensuring quick and simple integration. It is powered by a mighty workflow engine and, while pre-configured workflows mean that you are ready to go in an instant, you can always define your own workflows to suit the way your business operates.


    Taking control of sanctions and financial crime

    With  Salv

    Salv is an Estonian based RegTech company founded in 2018 by the creators of TransferWise and Skype compliance. Salv has built an anti-money laundering, crime-fighting platform that gives companies the flexibility and speed they need to get ahead of today’s financial criminals.

    Scaling your fintech while keeping your company and customers safe from financial criminals can be an immense challenge. Salv AML platform offers customer screening, monitoring, and risk assessment all in one place – taking care of compliance so that fintechs can scale with confidence.


    Tailor-made lending and deposit system for professional loan providers

    with Bankish

    Bankish is the tailored core-banking software solution for professional credit providers – consumer and SME financing as well as deposits, secured and payday lending, from instalment to invoice finance throughout the entire credit life cycle. Modular software, desired add-ons and operational customisation are the key points of Bankish’s full infrastructure implementation, making sure that your new systems’ ecosystem performs. We take care of the IT burden on behalf of the financial institutions of any size and function, at a fraction of the cost.

    – End-to-end functionality, granting full control over the business

    – Cloud-based SaaS, modern and cost-effective at a Pay-as-you-Grow monthly rent

    – One-stop-shop by the help of our vibrant partner ecosystem


  • Denylist screening and strategic good transactions security

    with Spin TEK

    We teamed up with the Ministry of Foreign Affairs and the US Department of State and developed a vital security-related information system for Ukraine’s and Moldova’s ministries. Stratlink information system is based on the e-licensing software for strategic goods, developed at the request of the Ministry of Foreign Affairs, which has been successfully used by Estonia’s Strategic Goods Commission.

    The solution also includes denylist screening – US State Department Lists of Parties Debarred Pursuant to the ITAR, OFAC Specially Designated Nationals List (SDN), Consolidated list of persons, groups and entities subject to EU financial sanctions and European Union embargoes and sanctions).


    Cyber security assesment and capability development

    with CybExer 

    CybExer Technologies is a NATO-awarded Estonian cybersecurity company that has wide-ranging experience in providing and maintaining highly sophisticated cyber security training platforms with a special focus on cyber capability development. The platforms are the key to successful delivery of a plethora of cybersecurity trainings and exercises aimed at ordinary users, technical responders and the very top of strategic leadership.

    CybExer’s flagship service is the development, operation and maintenance of next-generation, state-of-the-art, cyber ranges. Ultimately, it offers a safe environment where personel, technical, and organisational cyber security capabilities can be assessed, analyzed, and developed.



    Cloud security and monitoring

    with Guardtime

    Guardtime is Europe’s leading deep tech company, founded with a mission to make the world’s information universally reliable. Guardtime’s portfolio is a mix of core technology and products for building zero-trust systems for customers like Verizon, Maersk, Lockheed Martin, AstraZeneca, Roche, and many governments around the world. MIDA is Guardtime’s new Cloud Security Posture Management (CSPM) tool to manage the complexity of the cloud, administer the shared responsibility model, and avoid security failures.


    Government Budget Management System

    with Aktors

    The main objective of the Budget Management System (BMS) is to administer and supervise the government and public-sector spending. BMS is a small banking system where the government and public-sector institutions act as customers. Accounts of government institutions are virtual accounts (e-accounts) inside the BMS system, real bank accounts where the real money is deposited are owned and handled only by the Ministry of Finance. This setup guarantees a central point of control and reporting of the whole public-sector spending and reduced costs of bank transactions.


    Tax administration and risk assessment for governments

    with FiscalAdmin

    FiscalAdmin is a software engineering and consulting company established in 2015 in Tallinn, Estonia. The company provides innovative IT solutions to transform public sector in line with digital-era governance, specialising in public fiscal management and tax administration. Our engineers have 20+ years of experience in modernization of tax administrations in Europe, Asia, Africa, and the Caribbean. We have custom-made and ready to use solutions for risk assessment and development of tax administrations, ministries of finance, the public sector, and international organisations.


    Fraud and security solutions with AI

    with MindTitan

    MindTitan’s anti-money laundering AI model keeps banks a step ahead. Find suspicious groups and flows of money with state-of-the-art process mining techniques and deep learning to uncover previously unidentified patterns. Our approach follows more than simple hard-coded rules, rather uses artificial intelligence to reveal activities, individuals, and groups of interest. The model creates a continuously updated suspicion score for particular individuals.



    Investment Operations and Compliance Monitoring Solution

    With Depowise

    Depowise is an independent company serving asset servicers and asset managers across EMEA. Our asset servicing business unit focuses on depositary banks, fund administrators and transfer agents. Depowise roots originate from Net Group Ltd, leading Nordic software development and consultancy firm with more than 21 years of experience across the EMEA region.


Visit us physically or virtually

We host impactful events both in our centre and online for government institutions, companies, and media. You’ll get an overview of e-Estonia’s best practices and build links to leading IT-service providers and state experts to support your digitalisation plans.

Questions? Have a chat with us.

Call us: +372 6273157 (business hours only)

Find us

The Briefing Centre is conveniently located just 2 minutes drive from the airport and 10 to 15 minutes drive from the city centre.

You will find us on a ground floor of Valukoja 8, central entrance behind the statue of Mr Ernst Julius Öpik. Photo of the central entrance.

Valukoja 8
11415 Tallinn, Estonia