One of the many things I really like about the banking system in Estonia is how well integrated it is with various other online systems.
In particular, I really like how, if I’m booking flights on Estonian Air, I can pay directly from my bank account rather than having to use a credit or debit card. At checkout I just select my bank, and get transferred to my normal internet banking system where, once I’ve cleared security, I get a pre-filled form for making a payment to the airline. Then as the transaction can happen in pretty much real-time (Yay for no clearing cycles), the airline can confirm my payment and complete the transaction straight-away.
Estonian life is full of little things like this that just Make Sense. In the UK there would be a million reasons given why you could never do something like this. Here they just make it happen.
get yourself an ID card (if you are here for the longhaul) .. this makes things ever simpler.