mTasku
Business Profile
Core Value Proposition
mTasku provides a universal mobile wallet that lets users pay in-store and online, ride public transport, and use a digital ID while managing loyalty cards, bank cards, gift cards, e-receipts, and donations all in one app.
Target Customer
Estonian consumers who want to consolidate payment, loyalty, and ID-related cards on their phone; merchants wanting a digital wallet for payments and loyalty; public transit riders; parents managing underage usage of digital payments.
Key Differentiator
Integrates payment cards, loyalty/clidendkaardid, e-receipts, gift cards, donations, and a transport card (Ühiskaart) into a single app with NFC-based payments and a secure authentication flow, including NFC SIM-based transport card support and offline validation for some functions.
Implementation Timeline
Users can add cards with a few taps in the app; some setup steps (like NFC SIM activation for Ühiskaart) may require carrier or provider actions and can take a few minutes; core functionality works once the app is installed and authenticated
Pain Points
- 1Carrying multiple physical cards (payment, loyalty, gift) and needing to search wallets for the right card
- 2Manual cash/register processes and paper receipts slowing down checkout
- 3Fragmented payment experiences across in-store, online, and transport channels
Key Features
- 1Add and manage Visa/Mastercard online payments within the app
- 2Pay by QR code or NFC at checkout
- 3Digital loyalty and gift cards in one place
- 4Electronic receipts (e-kviitung) and the ability to export PDF receipts
- 5Donations via an in-app donation platform (Heategevus) with multiple funding options
- 6Digital Ühiskaart transport card integration (requires NFC SIM and specific carriers)
- 7Alaealise usage workflow with parental approval via Smart-ID, Mobile-ID, or bank login
- 8Kinkekaardid (gift cards) management and use in-store
- 9Offline validation support for Ühiskaart when internet is unavailable
Target Customer Industries
Decision Makers
- 1Alexela IT arendusjuht
- 2BB Finance Group turundusjuht
Client Results
- 1Faster checkout experiences (kassaläbimine imekiirelt) and reduced need for carrying physical cards
- 2Significant adoption of the Kodukaart in mTasku (around 7,600 clients mentioned in one testimonial)
- 3Consolidation of loyalty, payments, and receipts into a single digital wallet
Competitive Advantages
- 1Plastic-free wallet and reduced risk of losing physical cards
- 2Secure payments requiring app open and authentication
- 3Unified view of transactions and receipts with easy export
- 4Cross-channel usability (in-store, online, and transport) and fast checkout
- 5NFC-based Ühiskaart support and offline validation where applicable
Key Benefits
Case Studies & Success Stories
Alexela Kodukaardi adoption via mTasku
mTasku integrates Kodukaardi discounts, payment solution, receipts, and gift card delivery, enabling fast payments at fuel and service stations; noted adoption of around 7,600 clients in the cited testimonial
BB Finance Group testimonial
Marketing leader praises the app for fast cashier checkout and the convenience of having receipts in the phone, reducing the need for physical cards
Additional Product Information
Product Description
A universal mobile wallet that enables card payments (Visa/Mastercard), loyalty cards, gift cards, e-receipts, donations, and, where supported, transport card functions (Ühiskaart) via NFC. It supports in-store, online, and transport use-cases and emphasizes security and digital convenience.
Target Market
End users in Estonia seeking a single digital wallet for payments, loyalty, and receipts; merchants and retail partners adopting mTasku for digital payments; public transport providers offering digital card validation; families and underage users with parental controls
Unique Value Proposition
One app to replace multiple plastic cards with secure, fast, NFC-based payments, loyalty, receipts, donation options, gift cards, and transport card integration, supported by modern authentication and NFC SIM technology for transport use.
Technical Requirements
mTasku app installation; user authentication via Mobiil-ID, Smart-ID, or bank login; mobile data-enabled device; for Ühiskaart: NFC SIM card (Telia), Android 5.0+ with NFC, and compatible devices; after device or SIM changes, re-adding cards may be necessary
Pricing Model
Free app; no specific pricing details for usage are provided in the content
Companies Solving Similar Problems
Based on matching: problems solved, target roles, key features, industries
Y Combinator
Y Combinator helps startups make something people want by providing early-stage funding, mentorship, and a strong network.
Design and Development Services
Umuzi Digital provides comprehensive design, product development, and strategic digital support at a fraction of the cost, enabling businesses to enhance their performance and grow.
AI-Powered Solutions
Leveraging AI & Automations to achieve real business results, optimize business processes, and enhance customer interactions.
JBITSS Technology Solutions
Providing comprehensive technology solutions tailored to business needs.
clerk.com
clerk.com provides clerk provides complete user management and authentication solutions, allowing businesses to launch faster, scale easier, and focus on building their products.
Gorilla's Coffee
High-quality specialty-grade coffee with a focus on adding value to local production, supporting Rwandan farmers, and providing a premium coffee experience.
Get More Profiles Like This
Join 2,000+ professionals getting weekly sales intelligence updates from GoAgentic
Ready to Transform Your Sales Pipeline?
Join 500+ sales professionals who've already automated their outreach
Supercharge your Outreach Today
Join innovative businesses using GoAgentic to automate their sales outreach with AI-powered conversations.
Start Your AI Outreach Today
Your competition is already using AI for outreach. Every day you wait is hundreds of missed conversations.
Start Converting More Prospects Today
- Set up in less than 2 minutes
- Cancel anytime during trial
- Full access to all features
- 7-day money-back guarantee
immediately
Full access to all features
(Test with up to 100 conversations)
Cancel anytime • Money-back guarantee