Five Nordic countries: Denmark, Finland, Iceland and Norway partnered to provide insight on the investment landscape, regulatory environment and opportunities and challenges in fintech they are faced with in their region. 

Key findings in the report included: 

• The Nordic customer is ​digitally savvy​, and open to trying new fintech services for their  everyday financial needs.
• There is a ​deficit of qualified developers​ in the Nordics - this was a challenge that came up time and time again.
• Operating in a smaller market comes with its own unique challenges, in particular ​scaling​, securing larger ​investments​ to allow for international expansion, and ​market oversaturation.