By Plenary Sessions: Mart Võrklaev

The speaker demonstrates solid expertise in the field of financial regulation and payment services, explaining the impact of the directive and the regulation on payment institutions and e-money services. Technical terms such as "instant payments," "central bank payment systems," and "correspondent accounts" are used. Examples are drawn from international companies (TransferWise, PayPal) and various countries (Lithuania, Belgium) to illustrate the effect of the regulation.

The speaker demonstrates expertise regarding the execution of the state budget and the finances of the education sector, presenting specific data on the 2024 budget surpluses. Precise amounts are mentioned, such as a general surplus of 107 million euros and 40 million allocated to Estonian-language education, with reference also made to previous deficits. This expertise is aimed at criticizing budget discipline and financial management.

The speaker demonstrates expertise in the management and statistics of European Union structural funds, citing specific figures (73% committed, 14% disbursed) and the historical position in Europe. They are also familiar with specific defense spending financing initiatives, such as ReArm, and inquire about its progress within Europe.