How Sweden became the Silicon Valley of Europe

Re:How Sweden became the Silicon Valley of Europe by rjzzleep on Wednesday August 11, 2021 @07:29AM (#28140679)

German banks have had HBCI later FinTS for decades[0]. What I don't know is why that standard ended up in new Fintech banks rolling their own standards later on. I suspect the implementation, certification and licensing must be a nightmare, but I really don't know.