Estonia has become a leader in digital governance through initiatives like Mobile-ID, which allows citizens to access over 300 e-services and digitally sign documents using only their mobile phone and PIN. Mobile-ID provides secure authentication without storing credentials in remote databases. It has been in use since 2007 without any security breaches. Adopting Mobile-ID allows both governments and telecom companies to reduce costs, increase efficiency and build stronger customer loyalty.

1. MOBILE-ID
DEFINING NEW
STANDARDS

2. Successful use of e-identity has
made Estonia the most effective
e-country in the world.
+ 99% of bank transfers are digital
+ 98% of medicines are prescribed electronically
+ 95% of tax declarations are filled digitally
+ 85% of students, teachers and parents are using a common e-school system
+ 66% of the population participated in the census via Internet in 2011
+ First e-elections in 2005
+ Paperless business register
+ Any document can be signed digitally
A COUNTRY
THAT LIVES THE
UNIMAGINABLE

3. SECURITY
UNCOMPROMISED
With Mobile-ID, there are no password databases to hack
or breach, because the ID always travels with the user and
is not stored in a remote database.
The security of Mobile-ID has remained uncompromised
without a single incident since its launch in 2007. To
keep it that way, SK undergoes annual supervision and
accreditation as a trust service provider. This allows us to
be on the Estonian and European Trusted List.

4. Mobile-ID is your electronic identity – the simplest and
securest way to make online transactions from anywhere in
the world. All you need is a mobile phone and PIN codes.
This makes even the most complex processes fast and
transparent. Mobile-ID has totally changed the perspective
of transactions in Estonia, where it is used by over
300 e-services in both private and public sector – every day.
MOBILE-ID HAS CHANGED
THE PERSPECTIVE OF
TRANSACTIONS

5. POSSIBILITES
THAT GO BEYOND
For a government, Mobile-ID is the most cost and time
efficient way to provide an authentication method to citizens.
BANK
TRANSACTIONS
E-ELECTIONS
SIGNING DOCUMENTS
DIGITALLY
ACCESSING GRADES AND
CURRICULUMS AT SCHOOL &
UNIVERSITY
APPLYING FOR
DRIVER’S LICENCE
FILING TAX
RETURNS
APPLYING FOR
SOCIAL BENEFITS
LEGALLY REGISTER A
NEW BUSINESS
Using Mobile-ID, all these transactions
can be made in just minutes.

6. ESTONIA IS TAKING
IT EVEN FURTHER
From the end of 2014, people from all over the world can
apply for Estonian e-identity (or e-recidency, as we call it).
Just during the first 24h of the pre-registration, more than
6,000 people from 168 countries expressed their interest
in Estonian e-residency.
This is seen as a great opportunity by foreign investors
to start or manage their businesses securely through the
Estonian economic environment.
“Currently there are 1.3 million Estonians, but at least
10 million people around the world should connect
themselves to Estonia via the digital identity by 2025.”
Taavi Kotka
Government CIO, Ministry of Economic Affairs and Communications of Estonia,
Deputy Secretary General

7. 30 MINUTES
CUSTOMER
SERVICE TIME
PER CLIENT
PAGES PER
DOCUMENT
6
DOCUMENT
COPIES
2
DOCUMENTS
SIGNED PER
MONTH
300
CONTRACTS SENT
VIA MAIL
30%
EXAMPLE OF DIGITAL SIGNATURE
COST-EFFICIENCY PER BANK CLERK
Bank would save
per one contact:
Without Mobile-ID With Mobile-ID
1,108.68 EUR
13,304.16 EUR
39,912.48 EUR
IN 1 MONTH
IN 1 YEAR
IN 3 YEARS
THE MIND-BLOWING
SUCCESS OF
SWEDBANK
In January 2013, for the first time in Swedbank’s
history, the number of online contacts through
Mobile-ID exceeded the contacts through office
network. By then, they had 600,000 active online
bank users and more than 80,500 clients had
downloaded their mobile bank application. This led to
a massive reduction in paper usage.
For example, in the period of 2010–2013, the usage
of paper decreased by 28%.
Source: http://www.konkurents.ee/swedbank-as-3/
Source: http://tarbija24.postimees.ee/2992407/pank-utsitab-kliente-paberist-loobuma

8. Delivering PKI-based SIM cards to the market
allows a telecom operator to create a more
permanent tie-in customer relationship.
Once the end users enroll their credentials, the
desire to switch operator diminishes considerably.
This enables the telecom operator to experience
the true meaning of customer loyalty.
EXPERIENCE THE
TRUE MEANING OF
CUSTOMER LOYALTY
Photo: Omnitel
YEAR 3YEAR 2YEAR 1
Active users
Annual transaction volume
TSP: Annual transaction revenue
MNO: Annual SIM revenue
MNO: Annual subscription revenue
Total annual revenue
67K
10M
100K
670K
563K
1,333K
97K
20M
200K
300K
815K
1,315K
127K
30M
300K
300K
1,067K
1,667K
MOBILE-ID REVENUE EXAMPLE
FOR TELECOM OPERATOR
Assumptions: 1 million subscribers, average
€0,01 per transaction, SIM issuance fee €10,
monthly subscription fee €0.7
Revenue values displayed in EUR.
MNO - Mobile Network Operator

9. Using SK’s solutions, you can give digital signatures on behalf of
yourself and your company anywhere in the world. The time of
the signature and validity information is added to the document.
Validity confirmations of certificates issued are preserved in a
security log that allows for verifying them whenever and wherever
necessary.
That kind of convenience also builds loyalty and ties the customer
to the telecom operator. After all, who wants to leave the beaches
of Bali just to sign an urgent document in New York?
Digital signature and stamp:
SIGN A DOCUMENT IN
NEW YORK WITHOUT
LEAVING BALI
+ cannot be forged
+ reduce paper usage considerably
+ make it possible to rearrange human resources
+ raise cost-efficiency
“Tallinn regularly tops the list as one of
the most intelligent cities according to
the Intelligent Community Forum. After
all, it is the city that gave us Skype.”
SIR RICHARD BRANSON
TWEETS ON TALLINN,
THE CAPITAL OF
ESTONIA
Photo credit: Prometheus72 / Shutterstock.com

10. THE BEAUTY
OF THE SYSTEM
TELECOM
OPERATOR
MOBILE-ID
SERVICE PROVIDER
EXISTING E-SERVICES
(BANKS, E-SHOPS)
USER
CA + OCSP
MID-READY
SERVICES
InterfaceInteractionTelecom operator
Authentication
using Mobile-ID
The Certification Authority checks the
status of the certificates from which the
query comes from.
In case they are valid, the confirmation is
given and the user receives a check code
from the mobile operator via SMS.
After entering the Mobile-ID PIN code, the
user can proceed with using the e-service.
+
TELECOM
OPERATOR
USER
MOBILE-ID
SERVICE PROVIDER
CA + OCSP
Digital signature
using Mobile-ID
A document fingerprint is made of the
document to be signed.
The user signs the document using
Mobile-ID. The information system
sends the document fingerprint and
the user’s certificate to the SK server.
The SK server verifies the validity of
the user’s certificate. If the certificate is
valid, a validity confirmation is issued.
The SK server records the issued
validity confirmation in its database
where it can be verified afterwards.
The document fingerprint contained
in the validity confirmation does not
contain information on the contents of
the signed document.
DIGITALLY SIGNED
CONTAINER
DOCUMENT
+

11. START THE PILOT PROJECT AND MAKE IT HAPPEN
+SIM specification, applet
+Issuance procedure principles
+Network synchronisation, SMSC integration
+CA / RA data integration
+Audit
Start 1 month 2 months 3 months 4 months 5 months approx. 6 months

12. TRY OUR COMPLETE
MOBILE-ID SOLUTION
+ Mapping the market situation
+ Assessing regulations for Mobile-ID’s legal establishment, if necessary
+ Mapping existing e-services
+ Compilation of Mobile-ID implementation blueprint
+ Implementation of technology
+ Mobile-ID issuance process guidance
+ Mobile-ID implementation for e-service providers
+ Full project management
+ Customer support 24/7
SK will take care of all the complicated
processes for you.
In 6 months from today, you’ll be ready for
your new Mobile-ID customers.
We provide Mobile-ID with the highest
usage per citizen in the whole world.
Pärnu mnt 141, 11314 Tallinn, Estonia
General phone +372 610 1880
info@sk.ee
www.sk.ee

13. MOBILE.ID.EE