Answer ... The Norwegian market is transparent, with an open attitude and many accelerators and hubs which foster innovation. Banks are collaborating with fintech companies, although the establishment of such relationships can take time. Fintech companies should be proactive but patient when dealing with established players. Like many EU member states, Norway has demanding regulatory regimes which make compliance and legal support important to navigate. Challenges include the slow pace at which the Norwegian regulators process applications and the fact that guidance in new areas is not well advanced. The access to risk capital is limited, but will hopefully improve in the years to come.