This article explores developments in and obstacles to organised employment relations in theFinTech (sub)sector in Denmark, Estonia, the Netherlands and Sweden. Using an actor-centredinstitutional approach, the authors analyse factors and strategies affecting whether organisedemployment relations emerge. Empirically, the analyses draw on interviews, documents andinformation from the internet. The results reveal similarities in FinTech developments and obstaclesto organised employment relations, but differences in outcomes in terms of collective organisationand collective agreements. Whereas Estonian FinTechs reproduce a fragmented industrial relationsmodel and FinTechs in the Netherlands are less organised than the adjacent financial servicessector, there have been recent breakthroughs in collective bargaining in Sweden and Denmark.While these outcomes indicate a strong effect from the institutional contexts, the actor strategiesproducing them varied. Danish strategies centred on an arena and legitimacy-forming cooperationbetween employers and trade unions, whereas Swedish strategies were characterised by fragmentedemployer organisation and conflict.