A Digital Ecosystem in the Service of Sustainability – A Decade of Success in Mobile Payments
The introduction of the National Mobile Payment System has created a true win-win situation: it has not only streamlined interactions between businesses and consumers, but also provided new momentum for sustainability and economic competitiveness. Launched in 2014, the nationwide system initially enabled electronic payments for parking and road usage, and has since evolved into a complex digital ecosystem. Today, it connects 144 service providers and 56 resellers, serving millions of customers in a sustainable manner.
The platform’s dynamic growth is evident: with an average annual increase of 35%, its transaction volume has grown nearly twentyfold over ten years, while the number of transactions has risen more than eightfold—from 8.5 million to 73 million. Following the pandemic, the system not only returned to its previous stable growth trajectory but experienced a sharp surge in all key indicators: user base, transaction volume, and total turnover. The range of services has also expanded significantly: the introduction of the ’Mobiljegy for Public Transport’ service in 2019 now accounts for roughly one-third of the platform’s total volume and transaction count. Its rapid nationwide rollout played a key role in ensuring seamless, cashless access to public transport during the pandemic.
Digital Infrastructure with Measurable Benefits
Beyond replacing paper-based administration, the platform contributes to sustainability by delivering significant cost savings and efficiency gains for service providers. Automated processes and data-driven decision-making reduce administrative burdens, speed up customer service, and enhance the overall user experience. The platform’s statistical data is not only useful for monitoring but also supports operational planning and financial forecasting.
Inclusivity and Environmental Impact
Thanks to its low entry barriers, the digital platform makes modern solutions accessible to a broad segment of society, supporting both financial and technological education. Reaching 7 million users demonstrates the growing adoption of digital services. The environmental impact is also substantial: over 400 million transactions in the past decade have resulted in an estimated 23,000 tons of CO₂-equivalent savings by replacing cash and paper-based solutions.
The Digital Business Model of the Future
The platform’s ten-year journey clearly illustrates how technological advancement can drive sustainable economic growth. It has simplified and improved everyday life for users while tangibly reducing environmental impact. Looking ahead, further innovations and service expansions will enhance the platform’s ability to support partner competitiveness, elevate the digital customer experience, and contribute meaningfully to achieving sustainability goals.
