Thanks for replying and for your perspective. > I see a lot of nordic fintech and fintech is a relatively recent phenomena. Yes I have seen that too. Talked t

Thanks for replying and for your perspective. > I see a lot of nordic fintech and fintech is a relatively recent phenomena. Yes I have seen that too. Talked to someone in a fintech startup. They were even using Erlang to do all the math, which surprised me, but it totally made sense after they explained their use case. So perhaps maybe there is a startup culture and but maybe the focus is on slightly different market and not necessarily on the same old social / messaging / uber for X problems that are common in SV startups. > You can't just arrive and break what I would call the social contracts (like Uber is doing for example). Unfortunately I think at lot of the conditions to make startup appealing are predicated on breaking social contracts. The concept of a "company" > "individual" basically. A startup can hire quickly, try something, fail and lay everyone off, within a year. Or playing in the gray area like Uber with regards to its markets. "Is it a taxi, is it a limousine service, etc."