OP words are dramatic, but he does have a point – bigger players in Europe could (and should) do better. You are on the other hand setting unrealistic expectat

OP words are dramatic, but he does have a point – bigger players in Europe could (and should) do better. You are on the other hand setting unrealistic expectations for Estonia / Finland. Hardware is obviously a lot more costly than software, hence why you hear more about software tech from Estonia (Skype, Transferwise, Pipedrive, Veriff to name a few) than hardware (Milrem robotics, Co-Module, Woola...) as the latter are of much smaller scale (respective to the size of Estonia) than the former: software scales a lot better.