No one can do everything alone. In Fintopia, like in the real life, viable networks are important. Companies have long-term contracts, wholesalers or other companies invest in their suppliers’ R&D and lends money for their plants. High levels of mutual trust is needed between partners. This is how transaction costs of both parties are reduced in terms of time and energy, as well as money and risk. This also means a lot of team work and negotiations both within a team and between teams.