DEEN
Business bans (ärikeelud) and beneficial owners/UBO (tegelikud kasusaajad). Notably, the UBO service tegelikudKasusaajad succeeds only about 74 % — probably because many companies have no UBO on file (assumption).
The largest users of this cluster with their use case. Click a row for details. The full list of all consumers is below.
| # | Topic | Member | Class | Avg / day |
|---|
Estonian banks barely query the Business Register directly in Dec 2025 – May 2026. None of the large banks (Swedbank, SEB Pank, LHV, Luminor, Coop, Bigbank, Inbank, Citadele, Holm) appears as a notable arireg consumer — neither for master data, representation, compliance nor annual reports.
The banks are nonetheless major X-Road consumers — but they use other registers (population register, tax and enforcement IT, ID documents, consent management). They likely obtain corporate-customer representation data via upstream compliance providers or one-off onboarding.
Complete list of all 8 organisations in this cluster — sorted by requests per day.
| # | Member | Class | Top service | Avg / day | Share |
|---|
All service endpoints of the cluster with technical function, legal basis and volume (avg/day).
How do the service endpoints' calls (avg/day) split across the top consumers? Link width = volume (estimated).
24-hour distribution across an average day.
The three findings from the dataset that stand out most for this cluster.