Why Choose Estonia for Your EMI/PSP Licensed Company
Why Estonia is an Ideal Choice for EMI/PSP Licensed Companies
Estonia has rapidly emerged as a preferred location for Electronic Money Institutions (EMI) and Payment Service Providers (PSP) looking to establish their licensed companies. Known for its innovative digital landscape, Estonia offers a unique blend of technological advancement and business-friendly policies that support financial companies in their growth endeavors.

Advanced Digital Infrastructure
One of the main reasons businesses choose Estonia is its advanced digital infrastructure. The country is renowned for its e-Residency program, which allows entrepreneurs from around the world to establish and manage an EU-based company entirely online. This digital-first approach not only simplifies the process of setting up a business but also ensures that companies can operate efficiently in a tech-driven environment.
Estonia’s commitment to digital innovation is evident in its government services, with nearly all public services being accessible online. This level of digital integration provides a seamless experience for businesses, reducing bureaucratic hurdles and enhancing operational efficiency.
Supportive Regulatory Environment
The regulatory environment in Estonia is both supportive and transparent, making it easier for financial companies to navigate the compliance landscape. The Estonian Financial Supervisory Authority (EFSA) oversees the licensing process, ensuring that it is straightforward and fair. The EFSA is known for its clear communication and guidance, which helps businesses understand and meet regulatory requirements without unnecessary delays.

Moreover, Estonia is part of the European Union, providing companies with access to a vast market while adhering to EU regulations. This dual benefit of local support and international reach makes Estonia an attractive destination for EMI and PSP licensed companies.
Thriving Fintech Ecosystem
The fintech ecosystem in Estonia is thriving, with a vibrant community of startups and established companies that foster innovation and collaboration. This ecosystem provides numerous opportunities for networking, partnerships, and knowledge sharing, which are crucial for the growth of any financial technology company.
Estonia’s commitment to fostering innovation is further supported by various government initiatives that offer grants, tax incentives, and other forms of assistance to fintech companies. These initiatives not only help reduce operational costs but also encourage the development of cutting-edge financial solutions.

Access to Skilled Talent
Another significant advantage of setting up an EMI or PSP in Estonia is access to a highly skilled workforce. The country boasts a pool of talented professionals with expertise in technology, finance, and business management. This talent pool is further enhanced by Estonia’s strong educational system and emphasis on STEM (Science, Technology, Engineering, and Mathematics) fields.
Companies can tap into this skilled labor force to drive innovation and maintain a competitive edge in the global market. Additionally, Estonia’s open immigration policies make it easier for businesses to attract international talent, further enriching the available expertise.
Cost-Effective Business Environment
Estonia offers a cost-effective environment for businesses compared to many other European countries. The cost of living and doing business is relatively low, allowing companies to allocate more resources towards growth and development. Moreover, the corporate tax system in Estonia is highly advantageous as it taxes only distributed profits, allowing businesses to reinvest their earnings without immediate tax liabilities.

This attractive tax regime, combined with reasonable operating costs, makes Estonia an appealing choice for EMI and PSP companies looking to optimize their financial performance.
In conclusion, Estonia’s advanced digital infrastructure, supportive regulatory environment, thriving fintech ecosystem, access to skilled talent, and cost-effective business conditions make it an ideal location for EMI and PSP licensed companies. These factors collectively provide a solid foundation for businesses aiming to succeed in the competitive financial services industry.