Digital Industry: Talent Mapping and Triple Helix Partnerships for Strengthening Services Exports
Main Article Content
Abstract
The digital industry is rapidly expanding and serves as a crucial driver of the global economy. However, developing countries like Indonesia are confronted with a significant digital talent gap and insufficient structured collaboration among government, industry, and academia, which hinders their competitiveness in the digital services export market. This study aims to review academic and policy literature on digital talent mapping and the Triple Helix model (government, industry, academia) as strategic tools to enhance digital services exports, particularly in emerging economies like Indonesia. Employing a systematic literature review (SLR) methodology, the study follows five phases: problem identification, literature search, inclusion and exclusion criteria, data extraction and synthesis, and thematic analysis, synthesizing insights from 25 publications dated between 2023 and 2025. The findings reveal that advanced economies have effectively integrated talent mapping with the Triple Helix model to foster growth in digital services exports. In contrast, Indonesia faces several challenges, including outdated curricula, a lack of integrated labor market data, and weak cross-sectoral coordination. The study highlights the necessity for further research to explore innovative solutions and collaborative frameworks that can address these challenges, ultimately enhancing Indonesia's capacity to compete in the global digital services market.
Article Details

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
A. Ahi, N. Sinkovics, and R. Sinkovics, “E-commerce Policy and the Global Economy: A Path to More Inclusive Development?,” Manag. Int. Rev., vol. 63, pp. 27–56, 2022, doi: 10.1007/s11575-022-00490-1.
M. Peters, “Digital trade, digital economy and the digital economy partnership agreement (DEPA),” Educ. Philos. Theory, vol. 55, pp. 747–755, 2023, doi: 10.1080/00131857.2022.2041413.
P. K. Tee, L.-C. Wong, M. Dada, B. L. Song, and C. Ng, “Demand for digital skills, skill gaps and graduate employability: Evidence from employers in Malaysia,” F1000Research, vol. 13, 2024, doi: 10.12688/f1000research.148514.1.
D. Nyale, S. Karume, A. Kipkebut, and F. Mukudi, “Digital skills landscape: A systematic review of current academic programs, industry demands, and the digital divide’s impact on graduate competencies,” Ind. High. Educ., 2025, doi: 10.1177/09504222251370105.
S. Surono, “Enhancing Workforce Adaptability Through Structured Digital Literacy Skill Set and Competency Standard: A Research and Development Study,” Edunity Kaji. Ilmu Sos. dan Pendidik., 2025, doi: 10.57096/edunity.v4i8.419.
C. Robb et al., “Talent Policy: Problems and Solutions,” Polit. Q., 2025, doi: 10.1111/1467-923x.13538.
R. Chinoracký, N. Stalmasekova, R. Madleňák, and L. Madleňáková, “Are Nations Ready for Digital Transformation? A Macroeconomic Perspective Through the Lens of Education Quality,” Economies, 2025, doi: 10.3390/economies13060152.
Y. Cai, N. Nordin, and S. Panatik, “A Textual Analysis of the Chinese Global Talent Management Policy: From a Policy Instruments Perspective,” SAGE Open, vol. 14, 2024, doi: 10.1177/21582440241300485.
Y. Cai, “Neo-Triple Helix Model of Innovation Ecosystems: Integrating Triple, Quadruple and Quintuple Helix Models,” Triple Helix, 2022, doi: 10.1163/21971927-bja10029.
F. Fidanoski et al., “The triple helix in developed countries: when knowledge meets innovation?,” Heliyon, vol. 8, 2022, doi: 10.1016/j.heliyon.2022.e10168.
M. Oktoviano et al., “Efforts to Strengthen Digital Talent to Improve the Quality of Human Resources Towards A Golden Indonesia 2045,” JIPOWER J. Intellect. Power, 2025, doi: 10.63786/jipower.v2i1.39.
T. Samsuri, W. Widiana, W. Lasmawan, and G. P. Suharta, “Transforming Higher Education Curriculum Based on the Indonesian National Qualifications Framework (KKNI) to Address Human Re-source Challenges in the Industrial Revolution 4.0 Era,” Path Sci., 2025, doi: 10.22178/pos.119-11.
S. Sipakoly, “Digitalization and the Global Competitiveness of Exported Services,” J. Econ. Manag. Sci., 2025, doi: 10.37034/jems.v7i3.136.
A. Hailu, “The role of university–industry linkages in promoting technology transfer: implementation of triple helix model relations,” J. Innov. Entrep., vol. 13, pp. 1–17, 2024, doi: 10.1186/s13731-024-00370-y.
R. B. Esthi, I. Setiawan, and S. S. Heriyanti, “Digital Talent Mapping Based on Digital Knowledge,” J. Ilm. Glob. Educ., vol. 5, no. 3, pp. 2275–2287, 2024, doi: https://doi.org/10.55681/jige.v5i3.3367.
R. T. Abubakar, F. T. Andhikaputra, R. Artisa, E. Ramdani, and S. Lestari, “Strengthening the Digital Talent Ecosystem to Support Digital Transformation in Indonesia,” 2024.
L. Kusumawati and E. Prasojo, “Strategy of the Financial Services Authority in Developing Digital Talent Competence in the Financial Technology Era in the Banking Sector,” Publica J. Pemikir. Adm. Negara, vol. 15, no. 1, pp. 206–216, 2023.
A. Thuda, R. Kartono, M. Hamsal, and A. Furinto, “The Effect of Digital Talent and Digital Capability on Bank Performance: Perspective of Regional Development Bank Employees,” in In Proceedings of the International Conference on Business Excellence, 2023, pp. 2053–2069.
N. E. Asyikin and S. Fahmy, “Digital talent assessment for the Malaysian tourism industry,” Int. J. Synerg. Eng. Technol., vol. 3, no. 1, pp. 10–18, 2022.
H. Etzkowitz and R. Viale, “Polyvalent Knowledge and the Entrepreneurial University: A Third Academic Revolution?,” Crit. Sociol., vol. 36, no. 4, pp. 595–609, 2010, doi: 10.1177/08969290510365921.
L. Leydesdorff and M. Fritsch, “Measuring the Knowledge Base of Regional Innovation Systems in Terms of a Triple Helix Dynamics,” arXiv Prepr. arXiv0911.3412, 2009.
A. Supriadi, I. Permana, D. R. Afandi, E. Arisondha, and A. Kusumaningsih, “The triple helix model: university-industry-government collaboration and its role in smes innovation and development,” Int. J. Econ. Lit., vol. 2, no. 1, pp. 75–90, 2024.
F. Fitriani, “Success Factors in Triple Helix Coordination: Small-Medium Sized Enterprises in Western Java,” Etikonomi, vol. 18, no. 1, pp. 15–28, 2019, doi: 10.15408/etk.v18i1.11548.
M. A. I. Muzakir, “Government-Pulled Triple Helix for Supporting National Aircraft Industry in the Global Value Chain with Typology Hierarchy,” Perspekt. J. Ilmu Adm., vol. 1, no. 1, 2021, doi: 10.33592/perspektif.v1i1.78.
S. H. Quartey and O. Oguntoye, “Understanding and promoting industrial sustainability in Africa through the Triple Helix approach: a conceptual model and research propositions,” J. Knowl. Econ., vol. 12, no. 3, pp. 1100–1118, 2021.
H. Etzkowitz and L. Leydesdorff, “The Dynamics of Innovation: From National Systems and ‘Mode 2’ to a Triple Helix of University–Industry–Government Relations,” Res. Policy, vol. 29, no. 2, pp. 109–123, 2000, doi: 10.1016/S00487333(99)00055-4.
H. Lee, “Analysis of the impact of digital literacy on life satisfaction (2019–2022) for older adults in South Korea: a national community-based panel study,” Sci. Rep., vol. 14, 2024, doi: 10.1038/s41598-024-71397-0.
M. Jang, M. Aavakare, S. Nikou, and S. Kim, “The impact of literacy on intention to use digital technology for learning: A comparative study of Korea and Finland,” Telecomm. Policy, p. 102154, 2021, doi: 10.1016/j.telpol.2021.102154.
J.-H. Yoon and K. Sim, “Why is South Korea’s renewable energy policy failing? A qualitative evaluation,” Energy Policy, vol. 86, pp. 369–379, 2015, doi: 10.1016/j.enpol.2015.07.020.
L. Sopybayeva and S. Kozhirova, “Peculiarities Of South Korea’s Educational Policy In The Context Of National Modernization And Globalization,” Kazakhstan Orient. Stud., 2025, doi: 10.63051/kos.2025.3.75.
S. Lee, J. Paavola, and S. Dessai, “Deeper understanding of the barriers to national climate adaptation policy: the case of South Korea,” Mitig. Adapt. Strateg. Glob. Chang., vol. 28, 2022, doi: 10.1007/s11027-022-10038-1.
M. J. Park, “Social Dialogue as Coordination Politics with Multifacet Characteristics : How to Explain the Failure in Making Social Compromises in South Korea?,” Ctizen&the World, 2023, doi: 10.35548/cw.2023.12.43.1.
J.-S. Choi and J. Kim, “Dancing between Nordic and neoliberal: Lifelong learning in South Korea,” J. Adult Contin. Educ., vol. 24, pp. 17–25, 2018, doi: 10.1177/1477971417751738.
H. Lee and S. Yi, “Corporate Education for Digital Transformation in the Semiconductor Industry: Proactive Consideration in Early Implementation Phase,” IEEE Access, vol. 13, pp. 78107–78119, 2025, doi: 10.1109/access.2025.3565486.
D. J. Kang, “Building Mechanism of Lifelong Learning,” pp. 146–152, 2021, doi: 10.2991/assehr.k.210508.027.
A. L. Rossoni, E. P. G. De Vasconcellos, and R. L. De Castilho Rossoni, “Barriers and facilitators of university-industry collaboration for research, development and innovation: a systematic review,” Manag. Rev. Q., pp. 1–37, 2023, doi: 10.1007/s11301-023-00349-1.
A. Ayoub, R. Amin, and Z. A. Wani, “Contribution of developed countries towards MOOCs: an exploration and assessment from a representative platform Coursera,” Asian Assoc. Open Univ. J., vol. 15, pp. 251–262, 2020, doi: 10.1108/aaouj-03-2020-0016.
E. Tereshchenko, E. Salmela, E. Melkko, S. Phang, and A. Happonen, “Emerging best strategies and capabilities for university–industry cooperation: opportunities for MSMEs and universities to improve collaboration. A literature review 2000–2023,” J. Innov. Entrep., vol. 13, pp. 1–45, 2024, doi: 10.1186/s13731-024-00386-4.
S. Vengathattil, “Future-Proofing AI Talent in The United States: The Role of Academia in Meeting Industry Demands,” Int. J. Manag. Sci. Inf. Technol., 2025, doi: 10.35870/ijmsit.v5i1.3837.
S. Gupta, I. And, S. Kumar, and U. India, “Impact of MOOC Participation on Career Advancement and Skills Development,” J. Informatics Educ. Res., 2025, doi: 10.52783/jier.v5i2.2524.
Z. Khan, Student, A. Patel, and A. Info, “Leveraging Industry-Academic Partnerships for Skill Development in the Digital Economy,” Int. J. Web Multidiscip. Stud., 2025, doi: 10.71366/ijwos234123.
A. Stich and T. Reeves, “Massive open online courses and underserved students in the United States,” Internet High. Educ., vol. 32, pp. 58–71, 2017, doi: 10.1016/j.iheduc.2016.09.001.
L. Li, “Reskilling and upskilling the future-ready workforce for industry 4.0 and beyond,” Inf. Syst. Front., pp. 1–16, 2022.
F. A. Ajayi and C. A. Udeh, “Review Of Workforce Upskilling Initiatives For Emerging Technologies In It,” Int. J. Manag. & Entrep. Res., 2024, doi: 10.51594/ijmer.v6i4.1003.
J. Weinhardt and T. Sitzmann, “Revolutionizing training and education? Three questions regarding massive open online courses (MOOCs),” Hum. Resour. Manag. Rev., 2019, doi: 10.1016/j.hrmr.2018.06.004.
S. Kim, Z. Chen, J. Tan, and A. Mussagulova, “A case study of the Singapore SkillsFuture Credit scheme: preliminary insights for making lifelong learning policy more effective,” Asian J. Polit. Sci., vol. 29, pp. 192–214, 2021, doi: 10.1080/02185377.2021.1917431.
Z. Y. Lim, J. H. Yap, J. W. Lai, I. Mokhtar, D. Yeo, and K. Cheong, “Advancing Lifelong Learning in the Digital Age: A Narrative Review of Singapore’s SkillsFuture Programme,” Soc. Sci., 2024, doi: 10.3390/socsci13020073.
C. Chua, J. Soo, and K. Raza, “Work-integrated (adult) learning: Un-stigmatizing blue-collar adult learners in Singapore by embracing visibility,” J. Adult Contin. Educ., vol. 30, pp. 112–130, 2024, doi: 10.1177/14779714241228847.
N. T. A. Quyen, “An Analysis Of The Singaporean Preparation For The Future Workforce And Recommendations For Vietnam,” VNU J. Foreign Stud., 2019, doi: 10.25073/2525-2445/vnufs.4397.
M. Fung, “Developing a Robust System for Upskilling and Reskilling the Workforce: Lessons from the SkillsFuture Movement in Singapore,” Educ. Asia-Pacific Reg. Issues, Concerns Prospect., 2020, doi: 10.1007/978-981-15-7018-6_39.
S. Kuruvilla and R. Chua, “How Do Nations Increase Workforce Skills? Factors Influencing the Success of the Singapore Skills Development System,” Glob. Bus. Rev., vol. 1, pp. 11–47, 2000, doi: 10.1177/097215090000100102.
P. Narot and N. Kiettikunwong, “Manpower Planning and Lifelong Learning in Singapore: Implications for Older Workers,” Educ. Elder. Asia Pacific, 2021, doi: 10.1007/978-981-16-3326-3_9.
G. Gan, “Singapore’s Experience in Analyzing the Labor Market Using Artificial Intelligence and Big Data Analytics,” Educ. Asia-Pacific Reg. Issues, Concerns Prospect., 2020, doi: 10.1007/978-981-15-7018-6_31.
V. Seidmann et al., “Skillsets For Future-Ready Older Workers: Skills Gaps And Learning Barriers In Singapore,” Innov. Aging, vol. 7, p. 324, 2023, doi: 10.1093/geroni/igad104.1078.
E. Engriyani and R. Madhakomala, “The Implementation of Non-Formal Education and Training Programs to Encourage the National Economy Concerning the Unemployment Rate in Southeast Asia,” Int. J. Soc. Sci. Hum. Res., 2023, doi: 10.47191/ijsshr/v6-i11-52.
M. F. Osman, “Upskilling for Non-PMETs: Challenges and Opportunities in the Policy Landscape,” Singapore Labour J., 2023, doi: 10.1142/s2811031523000207.
M. Hisjam, E. N. A. Zain, and P. Laksono, “A Study on the Gap Between the Competencies of Industrial Engineering Undergraduate Students and the Competency Requirements of the Job Market in Indonesia,” Asean J. Eng. Educ., 2024, doi: 10.11113/ajee2024.8n2.175.
R. Angriani, I. Indrawan, A. Fransiska, and S. Naimah, “Analisis Program Pendidikan Vokasi Dalam Menghadapi Tantangan Industri,” J. Ilm. Manajemen, Ekon. dan Akunt., 2025, doi: 10.55606/jurimea.v5i1.870.
D. Keriapy and I. S. Tondang, “Mengenalkan Keterampilan dan Pendidikan yang Dibutuhkan pada Era New Digital Economy Melalui Program Kampus Merdeka,” Abdi Psikonomi, 2022, doi: 10.23917/psikonomi.vi.1391.
S. Rahmani and J. Dwiridotjahjono, “Penerapan Technology Academy Dalam Meningkatkan Soft Skill Melalui Program Studi Independen Kampus Merdeka Pada PT Revolusi Citra Edukasi (Revou),” Digit. Bisnis J. Publ. Ilmu Manaj. dan E-Commerce, 2023, doi: 10.30640/digital.v2i3.1317.
N. L. Khomsah, M. Syahri, and A. Tinus, “Strengthening Link and Match 8+i Program in Vocational Education,” Acad. Open, 2025, doi: 10.21070/acopen.10.2025.11076.
R. A. Wibowo, N. Myau-Lyau, N. N. A. Christy, and A. -, “The Challenges for Indonesia to Integrate Dual Vocational Education and Training System,” J. Tech. Educ. Train., 2022, doi: 10.30880/jtet.2022.14.02.008.
W. M. Maharani, S. Zauhar, M. Makmur, and B. Haryono, “Understanding The Gap Between Policy and Implementation of Vocational Secondary Education To Realize Sustainable Development: The Case of East Java Province, Indonesia,” J. Law Sustain. Dev., 2024, doi: 10.55908/sdgs.v12i1.2291.
H. Rosina, V. Virgantina, Y. Ayyash, V. Dwiyanti, and S. Boonsong, “Vocational Education Curriculum: Between Vocational Education and Industrial Needs,” ASEAN J. Sci. Eng. Educ., 2021, doi: 10.17509/ajsee.v1i2.33400.
Suharno, N. Pambudi, and B. Harjanto, “Vocational education in Indonesia: History, development, opportunities, and challenges,” Child. Youth Serv. Rev., vol. 115, p. 105092, 2020, doi: 10.1016/j.childyouth.2020.105092.
M. Gofur and S. Hasibuan, “Analysis of Industry Needs for Indonesian Vocational Education Services Using the EduQual-IPA Method,” IJIEM - Indones. J. Ind. Eng. Manag., 2025, doi: 10.22441/ijiem.v5i3.25318.
F. Fitrianti, U. Haryaka, Y. Dwiyono, A. Azainil, A. Masruhim, and S. Sudarman, “Collaboration between Vocational Education and Industry to Enhance The Internship Competence of Students at SMK Negeri 8 Samarinda,” Borneo Educ. J., 2025, doi: 10.24903/bej.v7i2.2167.
M. M. Ali, B. Triyono, and T. Koehler, “Evaluation of Indonesian Technical and Vocational Education in Addressing the Gap in Job Skills Required by Industry,” 2020 Third Int. Conf. Vocat. Educ. Electr. Eng., pp. 1–6, 2020, doi: 10.1109/icvee50212.2020.9243222.
B. Q. Pradipta, F. B. Hirawan, and S. Ragamustari, “Evaluation of policy in the vocational education system revitalization in Indonesia: Examining the teaching factory readiness of the industry,” J. Pendidik. Vokasi, vol. 11, 2021, doi: 10.21831/jpv.v11i1.37693.
Wargo, R. Arjmand, and L. U. Rahmah, “Indonesian Students’ Readiness for the Workforce from the Perspective of the Merdeka Belajar Kampus Merdeka (MBKM) Curriculum,” Zabags Int. J. Educ., 2025, doi: 10.61233/zijed.v3i1.25.
L. Santioso, “Industry Perspectives on Digital Competences Among MBKM Interns in Indonesia,” Return Study Manag. Econ. Bussines, 2024, doi: 10.57096/return.v3i1.201.
R. Muharam, U. A. Afrilia, and S. Sudarma, “Integrating Vocational Education and Industry through Public Policy: Towards Excellent and Competitive Human Capital,” Int. J. Multidiscip. Sci. Arts, 2025, doi: 10.47709/ijmdsa.v4i2.6097.
A. Helmy, B. Fairman, and A. Voak, “Managing the Challenges of Vocational Education and Training in Indonesia-The Mire of Uncertainty!,” 2021.
O. Juszczyk, J. Juszczyk, S. Juszczyk, and J. Takala, “Barriers for Renewable Energy Technologies Diffusion: Empirical Evidence from Finland and Poland,” Energies, 2021, doi: 10.20944/preprints202112.0524.v1.
T. Reunanen and D. Oliva, “Business creation activities to optimize the outcomes of RDI projects in an applied science university – The Spin&Launch incubator,” Creat. Innov. Entrep., 2024, doi: 10.54941/ahfe1004716.
K. Lahikainen, J. Kolhinen, E. Ruskovaara, and T. Pihkala, “Challenges to the development of an entrepreneurial university ecosystem: The case of a Finnish university campus,” Ind. High. Educ., vol. 33, pp. 107–196, 2018, doi: 10.1177/0950422218815806.
A.-J. Tahvanainen and T. Nikulainen, “Commercialization at Finnish universities: Researchers’ perspectives on the motives and challenges of turning science into business,” 2011.
S. Shakeel, J. Takala, L. Zhu, and L. Zhu, “Commercialization of renewable energy technologies: A ladder building approach,” Renew. Sustain. Energy Rev., vol. 78, pp. 855–867, 2017, doi: 10.1016/j.rser.2017.05.005.
M. Ampuja and M. Horowitz, “Doing ‘more with less’: the entrepreneurialization of Finnish higher education and innovation policy discourses in 2015–2019,” Scand. J. Educ. Res., vol. 69, pp. 303–317, 2024, doi: 10.1080/00313831.2023.2299988.
S. Päällysaho et al., “Key Aspects of Open Data in Finnish RDI Cooperation between Higher Education and Businesses,” Data Intell., vol. 3, pp. 176–188, 2021, doi: 10.1162/dint_a_00065.
M. Kivijärvi, P. Patja, and M. Suoranta, “Shedding Light on Early Stage Academic Entrepreneurship: Finnish University Researchers’ Views on Key Stakeholder Relations and Their Influence on the Research Commercialization Process,” J. Finnish Stud., 2020, doi: 10.5406/28315081.23.2.08.
I. Kulkov, B. Berggren, K. Eriksson, M. Hellström, and K. Wikstrom, “The importance of financial resources and ownership of intellectual property rights for university spin-offs: the cases of Finland and Sweden,” J. Small Bus. Enterp. Dev., vol. 27, pp. 1125–1147, 2020, doi: 10.1108/jsbed-09-2019-0308.
M. Häyrinen-Alestalo and U. Peltola, “The Problem of a Market-oriented University,” High. Educ., vol. 52, pp. 251–281, 2006, doi: 10.1007/s10734-004-2749-1.
S. Eraslan and T. Götz, “An unconventional weekly economic activity index for Germany,” Econ. Lett., 2021, doi: 10.1016/j.econlet.2021.109881.
T. Haipeter, “Digitalisation, unions and participation: the German case of ‘industry 4.0,’” Ind. Relations J., vol. 51, pp. 242–260, 2020, doi: 10.1111/irj.12291.
S. Dierks, A. Schiersch, and J. Stede, “Industry Conversion Tables for German Firm-Level Data,” Jahrb. Natl. Okon. Stat., vol. 240, pp. 677–690, 2019, doi: 10.1515/jbnst-2019-0041.
R. Lehmann and I. Wikman, “Quarterly GDP Estimates for the German States: New Data for Business Cycle Analyses,” Oxf. Bull. Econ. Stat., vol. 87, pp. 800–814, 2025, doi: 10.1111/obes.12653.
U. Walwei, “The German industrial relations system under pressure: Structure, trends and outcomes,” New World Work, 2021, doi: 10.4337/9781800888050.00012.
M. Oberfichtner and C. Schnabel, “The German Model of Industrial Relations: (Where) Does It Still Exist?,” Jahrb. Natl. Okon. Stat., vol. 239, pp. 5–37, 2018, doi: 10.1515/jbnst-2018-0158.
K. Koasidis et al., “The UK and German Low-Carbon Industry Transitions from a Sectoral Innovation and System Failures Perspective,” Energies, 2020, doi: 10.3390/en13194994.
A. Hardy, “Digital innovation and shelter theory: exploring Estonia’s e-Residency, Data Embassy, and cross-border e-governance initiatives,” J. Balt. Stud., vol. 55, pp. 793–810, 2023, doi: 10.1080/01629778.2023.2288118.
V. R. Vatsa and P. Chhaparwal, “Estonia’s e-governance and digital public service delivery solutions,” 2021 Fourth Int. Conf. Comput. Intell. Commun. Technol., pp. 135–138, 2021, doi: 10.1109/ccict53244.2021.00036.
M. Bauters, D. Tokranova, L. M. H. De Silva, and J. Mets, “The Exploration of Skill Gaps and Ecosystem Potential among Estonian Creatives,” Sustainability, 2023, doi: 10.3390/su151813687.
B. Dorjnyambuu, “Estonian Digital Entrepreneurship Ecosystem Based on Digital Platform Economy Index 2020,” J. Entrep., vol. 32, pp. 347–375, 2023, doi: 10.1177/09713557231184458.
A. Hardy, “Estonia’s digital diplomacy: Nordic interoperability and the challenges of cross-border e-governance,” Internet Policy Rev., vol. 13, 2024, doi: 10.14763/2024.3.1785.
K. Rajamae-Soosaar and A. Nikiforova, “Exploring Estonia’s Open Government Data Development as a Journey towards Excellence: Unveiling the Progress of Local Governments in Open Data Provision,” Proc. 25th Annu. Int. Conf. Digit. Gov. Res., 2024, doi: 10.1145/3657054.3657161.
M. Kassen, “Open data and e-government – related or competing ecosystems: a paradox of open government and promise of civic engagement in Estonia*,” Inf. Technol. Dev., vol. 25, pp. 552–578, 2019, doi: 10.1080/02681102.2017.1412289.
D. Azzopardi, P. Lenain, M. Molnár, N. Mosiashvili, and J. Pareliussen, “Seizing the productive potential of digital change in Estonia,” OECD Econ. Dep. Work. Pap., 2020, doi: 10.1787/999c7d5a-en.
R. Kerner, “Service exporters in ICT-industries: measuring digital service trade of Estonia,” SSRN Electron. J., 2023, doi: 10.15157/tpep.vi1-2.22091.
R. Kerner and M. Kitsing, “Small Is Beautiful And Important: Economies And Firms Trading In Digital Services,” J. Bus. Econ. Manag., 2023, doi: 10.3846/jbem.2023.18585.
T. Hoffmann and M. C. S. Vásquez, “The estonian e-residency programme and its role beyond the country’s digital public sector ecosystem*,” CES Derecho, 2022, doi: 10.21615/cesder.6772.
I. Mnohoghitnei, S. Scorer, K. Shingala, and O. Thew, “Embracing the Promise of Fintech,” Int. Polit. Econ. Glob. eJournal, 2019.
E. Emmanuel, Z. Syed, and O. Chuks, “Financial Technology and Economic Growth in the United Kingdom (2007-2023): Econometric Descriptive Analysis,” South Asian J. Soc. Stud. Econ., 2025, doi: 10.9734/sajsse/2025/v22i3972.
P. Vijayagopal, B. Jain, and S. A. Viswanathan, “Regulations and Fintech: A Comparative Study of the Developed and Developing Countries,” J. Risk Financ. Manag., 2024, doi: 10.3390/jrfm17080324.
A. Marszk and E. Lechman, “Reshaping financial systems: The role of ICT in the diffusion of financial innovations – Recent evidence from European countries,” Technol. Forecast. Soc. Change, vol. 167, p. 120683, 2021, doi: 10.1016/j.techfore.2021.120683.
N. Fayad, A. Awdeh, J. A. Mrad, G. El Mokdad, and M. Nassar, “The Impact of Technological Development on the Productivity of UK Banks,” FinTech, 2025, doi: 10.3390/fintech4030045.
Z. Wu, “The Rise of Digital Banking in the UK Financial Sector and Its Impact on Commercial Banks,” Adv. Econ. Manag. Polit. Sci., 2024, doi: 10.54254/2754-1169/120/20242553.