Makseprotsesside sujuvamaks muutmine Eesti eksportijatele

Saatja: "info - MKM" <[email protected]> Saaja: "info - MKM" <[email protected]> Teema: FW: Streamlining Payment Processes for Estonian Exporters Kuupäev: 2025-06-10 12:01 From: Romanova, Alexandra <[email protected] <mailto:[email protected]> > Sent: Thursday, June 5, 2025 8:27 PM To: Sandra Särav - MKM <[email protected] <mailto:[email protected]> > Subject: Streamlining Payment Processes for Estonian Exporters Tähelepanu! Tegemist on välisvõrgust saabunud kirjaga. Tundmatu saatja korral palume linke ja faile mitte avada. Dear Sandra, I hope this message finds you well. My name is Alexandra Romanova, and I am leading Visa Government Solutions <https://corporate.visa.com/en/audiences/government.html> for Baltic markets. My colleague Juris Paegle from Visa's Riga office recommended me to reach out to you with the next opportunity. At Visa, we are committed to developing innovative payment solutions. Today I'd like to talk about small businesses as exporters. Over half of small businesses in Estonia export their products, one of the highest rates in Europe. However, many face the challenge of late payments from clients, with nearly 60% of small Estonian businesses reporting this as an issue. Days Sales Outstanding for exporters can exceed 30, 60, or even 90 days, starving them of working capital and hindering business growth in Estonia. The root cause often lies in traditional global payment processes, which can be inefficient and costly while offering limited credit solutions. Additionally, accessing external financing for working capital remains a challenge for approximately 70% of small businesses in Estonia. To address these issues, we would like to show you how a custom-built payment platform can expedite payments from international buyers to Estonian exporters. Exporters can receive immediate payments without affecting the working capital of their customers, who could benefit from the convenience of pre-populated invoicing and easy payment through email link. All powered by Visa cards. We've already implemented this solution with the trade promotion agency of South Korea. The Global Trade Payment Platform (GTPP) has reduced Days Sales Outstanding for exporters by over 30 days, with 74% of Korean sellers recommending the platform to their overseas buyers. See an overview <https://www.kotra.or.kr/english/subList/41000046007> here. We are eager to explore the opportunity to develop a similar tailored solution for Estonian businesses and support your goals for economic growth. Could we arrange a time to discuss this further? Thank you for considering this initiative. I look forward to the possibility of collaborating to empower Estonian exporters. Best Regards, Alexandra Romanova VGS Baltics Lead Strategic Initiatives Lead Visa Government Solutions Europe London, UK +44 7483 309508 <mailto:[email protected]> [email protected] The information contained in this transmission (including any attachments) is confidential and may be privileged. It is intended only for the use of the individual or entity named above. If you are not the intended recipient, dissemination, distribution, or copy of this communication is strictly prohibited. If you have received this communication in error, please erase all copies of this message and its attachments and notify me immediately. Saatja: Kaspar Peek - MKM </O=EXCHANGELABS/OU=EXCHANGE ADMINISTRATIVE GROUP (FYDIBOHF23SPDLT)/CN=RECIPIENTS/CN=BBFC0B2DE7154DDF95A8E6AF83878E90-5681BCD8-2E> Saaja: [email protected] Teema: RE: Streamlining Payment Processes for Estonian Exporters Dear Alexandra, We are delighted to have received your email and were pleased to hear about such a solution. However, at this time, we would like to kindly decline your proposal. Based on our knowledge and experience, Estonia’s main trade partners are nearby countries such as Sweden, Finland, Latvia, Lithuania, and Germany. In all of these markets, making payments via regular online banking is easy, cost-effective, and fast. While Korea may be in a different situation, we believe our current challenges lie elsewhere. Thank you, and have a pleasant summer! Kaspar Peek tööstusvaldkonna juht Ettevõtluskeskkonna ja tööstuse osakond Majandus- ja Kommunikatsiooniministeerium 51931015 From: info - MKM <[email protected]> Sent: Tuesday, June 10, 2025 3:02 PM To: info - MKM <[email protected]> Subject: FW: Streamlining Payment Processes for Estonian Exporters From: Romanova, Alexandra <[email protected] <mailto:[email protected]> > Sent: Thursday, June 5, 2025 8:27 PM To: Sandra Särav - MKM <[email protected] <mailto:[email protected]> > Subject: Streamlining Payment Processes for Estonian Exporters Tähelepanu! Tegemist on välisvõrgust saabunud kirjaga. Tundmatu saatja korral palume linke ja faile mitte avada. Dear Sandra, I hope this message finds you well. My name is Alexandra Romanova, and I am leading Visa Government Solutions <https://corporate.visa.com/en/audiences/government.html> for Baltic markets. My colleague Juris Paegle from Visa's Riga office recommended me to reach out to you with the next opportunity. At Visa, we are committed to developing innovative payment solutions. Today I'd like to talk about small businesses as exporters. Over half of small businesses in Estonia export their products, one of the highest rates in Europe. However, many face the challenge of late payments from clients, with nearly 60% of small Estonian businesses reporting this as an issue. Days Sales Outstanding for exporters can exceed 30, 60, or even 90 days, starving them of working capital and hindering business growth in Estonia. The root cause often lies in traditional global payment processes, which can be inefficient and costly while offering limited credit solutions. Additionally, accessing external financing for working capital remains a challenge for approximately 70% of small businesses in Estonia. To address these issues, we would like to show you how a custom-built payment platform can expedite payments from international buyers to Estonian exporters. Exporters can receive immediate payments without affecting the working capital of their customers, who could benefit from the convenience of pre-populated invoicing and easy payment through email link. All powered by Visa cards. We've already implemented this solution with the trade promotion agency of South Korea. The Global Trade Payment Platform (GTPP) has reduced Days Sales Outstanding for exporters by over 30 days, with 74% of Korean sellers recommending the platform to their overseas buyers. See an overview here <https://www.kotra.or.kr/english/subList/41000046007> . We are eager to explore the opportunity to develop a similar tailored solution for Estonian businesses and support your goals for economic growth. Could we arrange a time to discuss this further? Thank you for considering this initiative. I look forward to the possibility of collaborating to empower Estonian exporters. Best Regards, Alexandra Romanova VGS Baltics Lead Strategic Initiatives Lead Visa Government Solutions Europe London, UK +44 7483 309508 [email protected] <mailto:[email protected]> The information contained in this transmission (including any attachments) is confidential and may be privileged. It is intended only for the use of the individual or entity named above. If you are not the intended recipient, dissemination, distribution, or copy of this communication is strictly prohibited. If you have received this communication in error, please erase all copies of this message and its attachments and notify me immediately.