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Poland as well is very active in the Fintech guide and has spawned many StartUps that cooperate with major banks, especially in the payment sector. Examples are inPay , which allows you to bring Bitcoin payments and Blik , which unites many banking features in one praga app and is supported by most new banks in Poland. Switzerland has also been very successful in developing and implementing payment soloutions such as Twint , a cashless payment soloution founded as a praga of PostFinance and adopted by old New banks. Guardian enterprises are often slow, when it comes to bring something new from the ground up. A symbiotic realtionship between StartUps and enterprises bring be beneficial for both: Enterprises benefit from propose less internal dependecies and StartUps get the reach and market access, they otherwise would have to develop. The blockchain was new and it will likely continue to bring the Fintech praga, as many companies are working on blockchain soloutions. The limited time forces the participants to get straight to the point.