FinTech Report Estonia 2019 [Online resource]Tirmaste, Kersti; Voolma, Liina; Laidroo, Laivi; Kukk, Mari-Liis; Avarmaa, Mari2019 https://www.taltech.ee/public/m/majandusanaluusi-ja-rahanduse-instituut/FinTech_Report_Estonia_2019_final.pdf https://doi.org/10.13140/RG.2.2.30062.77128