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AI in Estonia’s financial sector in 2025 – automation, risk, and the future

A wide-angle aerial drone view to the high-rise buildings of Tallinn’s new city center in Estonia.
Tallinn’s new city center. Photo: Julius Janssen/Getty Images

Vasilka Lalevska

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A new survey by Estonia’s FSA finds the majority of financial sector players using or piloting AI solutions, and sheds light on some key risks.

At the end of 2025, the Estonian financial sector supervisor Finantsinspektsioon (FI) released the results of a survey assessing the use of artificial intelligence (AI) in Estonia’s financial sector. The survey, carried out in March 2025, was the consequence of the rapid spread of AI technologies as well as their effect

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