Objective

The objective of the study is to collect survey-based data on the use of payment services by Estonian companies and their satisfaction with these services, to assess preparedness for crises and the ability to cope with payment fraud, and to gather proposals from companies for improving payment services.

Methodolgy

The study will be conducted through an online survey. At least 700 companies will be surveyed, of which at least 400 are small enterprises with fewer than 10 employees that operate a physical point of sale or an e-commerce store.

Benefits

The results of the study will provide a comprehensive overview of the use of payment services by Estonian companies, their satisfaction, and existing shortcomings. The collected information will make it possible to assess companies’ preparedness for crises and their ability to manage payment fraud, and will offer input for the development of payment services in line with the actual needs of businesses.

Project Client: Eesti Pank
Project Implementer: LevelLab
Study Duration: 09/2025-11/2025