The document discusses the integration of smart city concepts with electronic payment systems across various regions, including Tallinn, Helsinki, Singapore, and Hong Kong. It highlights the levels of urban digitalization and emphasizes the role of ICT in improving mobility, resource use, citizen participation, and decision-making. The analysis is based on a comparison of policy-driven and bottom-up approaches to digital governance in smart cities.

1. Combined model of smart cities and electronic payments
Ralf-Martin Soe and Olga Mikheeva
Tallinn University of Technology
CEDEM17

2. CASES
City Region
Policy-Driven/
Bottom-Up Level of urban digitalization
Level of integrated
payment systems
Tallinn
Northern
Europe
Bottom-up
High level of urban digitalization
(smart city services via X-road and
electronic Identity)
To be analysed (cross-
border approach)
Helsinki
Northern
Europe
Bottom-up
High level of urban digitalization
(Helsinki is ranked as top 6
European Smart City)
To be analysed (cross-
border approach)
Singapore East Asia
Policy-driven High level of urban digitalization
(Singapore is ranked as top 1
smart city)
To be analysed
Hong Kong East Asia
Policy-driven High level of urban digitalization
(labels itself as a global leading
smart city)
To be analysed

3. SMART CITY
CONCEPT

4. Smart City components
Giffinger, European
Comission, Cohen

5. Manville et al (EC):
Smart Economy:
• E-business and e-commerce, increased productivity,
• ICT-enabled and advanced manufacturing and
delivery of services;
• ICT-enabled innovation: new products, new services
and business models

6. Batty et al.

7. What about smart cities and financial services?
●Improving Mobility: Minimising Disruption, Producing Better Quality Travel Experiences, Minimising
Energy Consumption
●Improving the Use of Resource such as Energy: Smart Sensors and Grids
●Enabling Integrated Design of Built Environments: Through ICT, Local Networks, WLAN, Cloud Services
●Providing Access to Public Information: Open Data and Transparency
●Improving Citizen Participation: Engaging Wider Circles of Citizens in Relevant Decisions
●Improving Democratic Decision-Making: Through New Methods of Information Delivery to Citizens
and Methods for Online Engagement
●Improving Retailing/Commerce: Delivering Better Information and Access to Consumers and
Producers in Real and Online Environments
●Enabling Better Housing Choices: through Access to Capital, Information about Supply
●Delivering Better Information to Urban Management: Through a Variety of Media such as Dashboards
and Other Interfaces
●Providing Services for Building Integrated ICT Platforms: Providing Integrated IS at Different Scales
●Providing Integrated Data Services: Adding Value to Data, Opening Data
Source: Batty et al.

8. E-Invoices spread

10. INITIATIVES

11. OCTOPUS: HONG KONG

12. EZ-CARD: SINGAPORE
SINGAPORE

13. DIGITAL RECEITPS: EE and FI
VISION: Access to all receipts via Internet and/or accounting software

14. Two weeks
in the
Europe =
170 000
such
boxes
See on alampealkiri

15. Cross-border solutions

17. Conclusion
City Region
Policy-Driven /
Bottom-Up
Level of urban
digitalization
Level of integrated
payment systems
Tallinn
Northern
Europe
Bottom-up, digital payments
as part of e-governance
agenda / solutions
High High
Helsinki
Northern
Europe
Bottom-up, digital payments
are recognized as part of
digital economy
High High
Singapore East Asia
Policy-driven and centralized,
‘smart finance’ is part of
‘smart nation’
High High
Hong
Kong
East Asia
Policy-driven but somewhat
fragmented, early mover and
among top smart cities
High High

18. Thank you!
Ralf-Martin.Soe@ttu.ee