Presentation about Startup and FinTech scene in Estonia. June 2017, Geneva.

1. FinTech in the
Innovation Hub of
Estonia
Marek Pärtel
CEO & Co-founder of EstateGuru
FinDating 2017

2. VIDEO
Source: Fortune.com “Estonia a tech powerhouse”, http://fortune.com/video/2017/04/26/estonia-a-tech-powerhouse/

3. Key figures
#1 OECD tax competitiveness 15 minutes to start a company
Corruption Perception Index Ranking
22/176
0% tax on reinvested profits
Ease of protecting investors rank
Estonia 52 vs Switzerland 89
Ease of getting credit rank
Estonia 29 vs Switzerland 55
Marek Pärtel, Founder of EstateGuru FinTech in the Innovation Hub of Estonia
Source: The Global Innovation index, 2017.
Finance Estonia, 2017.

4. 10.20% 10.70% 10.10% 9.50%
34.60% 34.70% 34.40%
91.40% 92.00% 90.30% 89.20%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
90.00%
100.00%
2013 2014 2015 2016
Public debt/GDP
Estonia Switzerland UE
Economic Estonia
Estonia has a government
committed to balanced budgets,
and has an AA- credit rating
AA-
Estonia ranked #13 in the Global
Economic Freedom Index 2013 #13
Estonia ranked #22 in the Global
IT Report #22
Marek Pärtel, Founder of EstateGuru FinTech in the Innovation Hub of
Estonia
Source: FinanceEstonia.eu Source: TradingsEconomics.com

5. E-residency – the new digital
nation
• Start a global business in a trusted environment – online!
• Remote business management
• Digital signature
• Access Estonian e-government services
Marek Pärtel, Founder of EstateGuru FinTech in the Innovation Hub of
Estonia

6. • 400 + Startups
• 3500 employees
• € 365M Investments raised the last 10
years
• 70 support organizations
Marek Pärtel, Founder of EstateGuru FinTech in the Innovation Hub of
Estonia
Source: StartupEstonia.com

7. Funding in Estonia – Number of
Rounds
Marek Pärtel, Founder of EstateGuru FinTech in the Innovation Hub of
Estonia

8. Reasons to start up in Estonia
1
6
4
2
5
3
True tech-hub to
support the
development
of your idea
Taxes – one of the most
liberate tax systems in the
World with 0 corporate
income tax
Top-notch e-government
solutions! Start-up eco-
system working closely
with the government
High life quality
accompanied by low
living costs.
Win-win!
Skilled labour with
great skill of international
languages
Things move in a fast pace!
Along with 15 min for creating
a company, your taxes can be
done online in 3 minutes
Marek Pärtel, Founder of EstateGuru FinTech in the Innovation Hub of
Estonia
Source: StartupEstonia.com

9. New way of doing business
• Trust in alternative opportunities & technology
• Cheaper products with no hidden fees
• Online opportunities for cost- and time-efficiency
• "Click & play " investment strategies
• Cross-border orientation
• Skilled human capital with strong focus on innovation
Marek Pärtel, Founder of EstateGuru FinTech in the Innovation Hub of
Estonia

10. Figureheads of Estonian
FinTech
Marek Pärtel, Founder of EstateGuru FinTech in the Innovation Hub of
Estonia

11. P2P is taking place of banks
among Estonians
• People have adopted the comfortable UX solutions
• Transparent activities & no information asymmetry
• Feel closer to real economy and invested projects
• Better use of savings
• Better yields on tangible projects instead of bank tricks
Marek Pärtel, Founder of EstateGuru FinTech in the Innovation Hub of
Estonia

12. EstateGuru
P2P Platform for Secured Property Loans
Funded loan volume:
€26,636,785
Defaulted
loans:
0%
Number of
loans:
144
Registered investors
from 39 countries:
7000+
Principal repaid:
€9,509,918
Investors’
earnings:
€1,163,812
Marek Pärtel, Founder of EstateGuru FinTech in the Innovation Hub of
Estonia

13. Questions
Marek Pärtel, Founder of EstateGuru FinTech in the Innovation Hub of
Estonia

14. Thank you for your
attention !
Marek Pärtel, Founder of EstateGuru FinTech in the Innovation Hub of
Estonia
MarekPärtel
CEO, Founder
marek@estateguru.co
EstateGuru.co