The Republic of Estonia is a state in the Baltic region of Northern Europe. It is bordered to the north by the Gulf of Finland, to the west by the Baltic Sea, to the south by Latvia and to the east by Lake Peipus and Russia. Link to external site : Website for Estonia |  |
| Wallets | |
| Development | Advanced Emerging |
| Send or Receive |
Receive Register/Log In |
| GDP ($m) |
20,901.10 Register/Log In |
| HDI classification | High |
| Mobile Connections (m) |
1.815 Upgrade to Bronze |
| Currency | EUR |
| Class | |
| CountryISO | EE |
| Sovereignity | Country |
| Territory of | - NA - |
{"type":"GeoChart","data":[["Country","Population(m)","Rank"],["EE",1.342,144]],"options":{"title":"Countries","region":"EE","displayMode":"regions","colorAxis":{"minValue":0,"maxValue":1500,"colors":["yellow","green","red"]}}}
{"type":"PieChart","data":[["Operator","Connections"],["EMT (TeliaSonera)",824190],["Tele2",490016],["Elisa Oyj",481205],["KOU (Televork)",19690]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",568781],["Q4 2001",804300],["Q4 2002",863600],["Q4 2003",1009650],["Q4 2004",1215900],["Q4 2005",1373400],["Q4 2006",1563500],["Q4 2007",1586459],["Q4 2008",1631700],["Q4 2009",1589650],["Q4 2010",1646141],["Q4 2011",1695742],["Q4 2012",1739959],["Q4 2013",1780855],["Q4 2014",1818987]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Mobile",2]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Bank",1],["MNO",1],["PSP",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["DN",1],["NFC",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["MP",2],["MW",1],["NFC",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Card",1],["NFC",1],["Wallet",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| Central Bank | |
| Key Regulations | |
| Type of law |
Civil Upgrade to Bronze |
| Legal System |
Civil law system Upgrade to Bronze |
| Law is based on | |
| Approach |
Ex Ante Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
NB Led Upgrade to Bronze |
| DominantModel |
| E-Money | |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",122.42],["Banked",86],["Internet",58],["Urban",69],["Adult",85],["Literate",99.7913]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 1.34 |
| Adult % | 85.00 |
| Migrants % |
15.00 Register/Log In |
| Stock Immigrants ('000) |
182.50 Upgrade to Bronze |
| Emigration Rate % |
12.20 Upgrade to Bronze |
| Internal Migrants ('000) | |
| Internal Migration Rate % | |
| Intl Movement Rate % |
28.50 Upgrade to Bronze |
| Urban % | 69.00 |
| Female % | 59.60 |
| Literate % | 99.79 |
| Annual Growth % |
| Mobile Penetration % | 122.42 |
| Banked % | 86.00 |
| Access to FS % | 0.00 |
| Internet % | 58.00 |
| Branches per 100k adults | 23.80 |
| ATMs per 100k adults | 89.09 |
| POS per 100k adults | 1,417.22 |
| Prepaid % | 55.00 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 0.19 |
| Monthly ARPU |
22.05 Upgrade to Bronze |
| Cards 2010 ('000) | |
| Propensity % |
| Overall | |
| Population | |
| On Remittance Sent | |
| On Remittance Received | |
| Mobile Unbanked | |
| Migrant % | |
| MP % | |
| Banked % | |
| Development |
| Can Provide Payments? | |
| Can Market under Brand? | |
| Can issue E-Money? | |
| Can Open Customer Account? | |
| Can Own Customer? | |
| Can do Cash In/Cash Out? | |
| Can offer Domestic Money Transfer? | |
| Can offer International Money Transfer? |
| Importance for Digital Money | |
| Digital Money Adoption |
Mobile Payment Upgrade to Bronze |
| Registered Wallet Users | |
| Top Wallets | |
| Informal Market | |
| Cost To Remit | |
| Key Players |