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PODCAST

Fintech Daydreaming

Pål Krogdahl and Ville Sointu

Between digital native customers demanding instant gratification and the ever increasing amount of regulation, financial institutions are between a rock and a hard place. The era of the fintech started after the 2008 financial crisis, challenging the status quo. More than a decade later banks haven’t gone anywhere, yet fintech is more relevant than ever. What happened with all the fintech hopes and dreams? In this podcast Pål Krogdahl & Ville Sointu pick one topic in every episode and try to

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All Episodes

00:51:17

One Does Not Simply... Buy from Fintechs with Markus...

Fintech Daydreaming ·

2026/03/27

In this episode, Pål and Ville sit down with Markus Niemi-Nikkola, Chief Procurement Officer at Savings Bank and quickly realise that procurement might be one of the most misunderstood (and critical) functions in banking.What starts as a conversation about sourcing and vendor management turns into a deeper look at how banks actually get things done behind the scenes: from navigating legacy systems and regulatory expectations to balancing cost, control, and innovation without breaking everything in

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00:43:44

AI Everywhere, AML Under the Microscope & Banking...

Fintech Daydreaming ·

2026/03/13

Another month, another set of headlines quietly orbiting the same big question:Where does AI actually change the game and where does it just sit on top of old problems?In this Nordic Fintech Highlights episode, Ville, Pål and Janne connect three very different stories through a familiar thread: automation is moving fast, but reality is still catching up.On the agenda:Janne: Lunar x Wolt.Banking perks meet delivery platforms as Lunar partners with Wolt across the Nordics. Beneath the lifestyle angle

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00:59:38

APIs, Grit and the Finnish Founder Mindset with...

Fintech Daydreaming ·

2026/02/27

In this episode, Pål and Ville sit down with Joonas Tomperi, CEO and co-founder of Enable Banking — and quickly realise this is less about APIs and more about mindset.Yes, we talk open banking. Yes, PSD2 makes an appearance. But the real story is what it takes to build a fintech in a heavily regulated industry when half the market says “you’re too late” and the other half says “nothing works yet.”Joonas shares:.- Why starting a fintech at 35 (not 22) was a strength, not a weakness.- What it’s like

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00:42:45

Klarna Moves Money, Lunar Loads the War Chest, Loomis...

Fintech Daydreaming ·

2026/02/13

January may have looked quiet on the surface, but the Nordic fintech engine was very much running.In this Nordic Fintech Highlights episode, Ville, Pål and Janne unpack what actually mattered beneath the seasonal slowdown — where peer-to-peer payments, SME banking, and the future of merchant acquiring all collide in very Nordic ways.On the agenda:.- Klarna goes P2P. From BNPL to bank to sending money between friends, Klarna steps into an already crowded wallet space — starting closed-loop, with

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00:53:08

Stablecoins, CBDCs, and Finland’s 1990s Warning Shot...

Fintech Daydreaming ·

2026/01/30

We’re back in central-bank territory with Aleksi Grym from the Bank of Finland, and once again manage to turn a perfectly sensible conversation into a deep dive on money, payments, and why nothing in this space is ever as straightforward as it sounds.Starting with what central banks actually do (spoiler: more than just printing money), we move into crypto, stablecoins, and why most of their real-world impact still happens inside the crypto ecosystem (or is it.a casino?) itself. Aleksi calmly

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00:45:51

Welcome 2026 with Nordic Fintech Highlights | Nordic...

Fintech Daydreaming ·

2026/01/16

New year, new season, same format. Ville, Janne, and Pål are back with Nordic Fintech Highlights, opening the season by unpacking three stories that quietly say a lot about where Nordic and European fintech are heading.Ville starts with the ECB hiring up for the digital euro project, bringing in market infrastructure specialists to work on rulebooks, rollout planning, and the role of intermediaries. The takeaway: less theory, more plumbing — and another sign that the digital euro continues to move

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01:04:16

Live from Nordic Banking Forum 2025

Fintech Daydreaming ·

2025/12/19

A Full House of Bank CEOs (and One Central Banker)We took Fintech Daydreaming on the road to the Nordic Banking Forum in Helsinki, and somehow ended up interviewing more CEOs in one day than we usually see in a year.In this special episode, Pål, Ville — and Janne, once we caught him mid–event sprint — sat down with:.-Prag Sharma (Citi) on agentic AI, future-of-finance vibes, and why 80–90% of bank data suddenly matters..-Janne Salminen (Helsinki Fintech Farm) pops in for a quick Nordic Fintech

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00:44:34

Aristotle Walks Into a Bank with Rik Coeckelbergs

Fintech Daydreaming ·

2025/12/05

In this episode, Pål and Ville sit down with Rik Coeckelbergs, founder of The Banking Scene and author of Ethos in Banking, for a surprisingly philosophical conversation. Yes, this is the first Fintech Daydreaming episode where we willingly tumble down an Aristotle-themed rabbit hole.Rik’s book dives into how the ancient trio of ethos, pathos, and logos can shape modern banking culture. Tturns out, these aren’t just concepts reserved for toga-wearing philosophers:.- Ethos: Banks need credibility

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00:42:08

AI Everywhere, Crypto Creeping Back, & Klarna Being...

Fintech Daydreaming ·

2025/11/21

October brought AI hype, digital euro déjà vu, and the shocking return of crypto — which means it was just another totally normal month in Nordic fintech.Pål, Ville, and Janne reunite to unpack the biggest stories from the Helsinki Fintech Farm newsletter. Spoiler: every startup is now an AI company. From automated compliance tools to AI-powered CFOs and even kiosks that buy your old phone via Swish — if it’s got electricity, someone’s calling it AI.Meanwhile, Klarna is back in the headlines with a

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00:52:39

Stablecoins, Africa, and a Locked Door with Hyung-Gon...

Fintech Daydreaming ·

2025/11/07

This week, Ville and Pål are joined (once again) by Paul Yoo, CEO of Sukaa, who beamed in live from New York to talk about his newest venture — and somehow turned what was supposed to be a fintech chat into a masterclass on why Africa might just leapfrog the rest of us in digital finance.Paul walks us through his new startup’s mission to build a pan-African on-chain payments and lending platform, explains why the continent’s fragmentation is both the challenge and the opportunity, and delivers a few

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00:46:27

The One We Forgot to Record (Twice) | Nordic Fintech...

Fintech Daydreaming ·

2025/10/23

In what might be our most meta episode yet, Pål, Ville, and Janne sat down to unpack the biggest Nordic fintech stories of September — only to realize halfway through that we’d forgotten to hit record. So yes, this episode is technically the sequel to the lost masterpiece that no one will ever hear.Once we finally remembered to press the big red button, things got back on track (mostly). Ville’s voice barely survived another deep dive into stablecoins — a topic now reaching “say it one more time and

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01:54:25

Live in Copenhagen from Nordic Fintech Week

Fintech Daydreaming ·

2025/10/09

This year Pål and Ville set up shop in the official backstage of the event venue – meaning our little “studio” has probably seen more rock stars, comedians, and magicians than fintech podcasters. But for two days, it was home to us… and the now famous podcast couch.On that couch we hosted a parade of fintech’s brightest people – founders, authors, bankers, thinkers – all crammed into one room with us, the noise of the conference bleeding through the walls, and way too little coffee. The result? The

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00:30:26

Emergency Episode - Nine Banks, One Stablecoin, Zero...

Fintech Daydreaming ·

2025/09/26

Forget the usual schedule — Ville and Pål hit the big red button and jumped on the mics less than 24 hours after nine European banks dropped their bombshell: a MiCA-compliant euro stablecoin.Fresh off a late flight from Copenhagen (and still running on coffee and questionable airport snacks), we dive straight into the questions everyone’s asking:.- Do we actually need a bank-issued euro stablecoin?.- Why are Danske and SEB — two banks outside the eurozone — in on the action?.- Is this the next

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00:41:24

Where did all the FinTech action Go? | Nordic Fintech...

Fintech Daydreaming ·

2025/09/26

August in Nordic fintech felt like a Christopher Nolan script: confusing, overlong, occasionally brilliant. Coop Norge’s core banking migration, Visma’s latest acquisitions, and Swedbank buying out Barclays in Entercard all unfolded like plot points you only understand after the credits roll.We argue about whether it was the quietest fintech month of the year, make questionable jokes about beef stroganoff, and somehow get lost in a time loop about Copenhagen.And here’s the twist: read this

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00:48:33

From Hygge to Hype on The Road to Nordic Fintech Week

Fintech Daydreaming ·

2025/09/11

We’re going to Copenhagen! Fintech Daydreaming is an official podcasting partner of the Nordic Fintech Week, and to kick things off Ville and Pål are joined in this pre-event episode by David Grundy (COO, Copenhagen Fintech) and Marie Louise Roth (Head of Partnerships, Copenhagen Fintech) for a sneak peek at what’s brewing in the Danish capital. We talk key themes, the rise of Copenhagen as a fintech hotspot, and why Nordic Fintech Week is no longer just a local gathering but a global fintech

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00:43:24

Nordic Fintech did not get the Holiday Memo! | Nordic...

Fintech Daydreaming ·

2025/08/29

In this Nordic Fintech Highlights episode, Ville, Pål, and Janne trade beach stories for headlines as we unpack a surprisingly busy July and August. On the menu: Nordic banks snapping up fintechs like they’re on summer sale, Zimpler’s shiny new ID+ passkey (is it the future or just another password we’ll forget?), and Nordea teaming up with Mynt to finally give SMEs the attention they deserve.We wrestle with whether banks are genuinely innovating or just panic-buying talent, what Sweden’s latest

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00:52:51

Hype, Hope, or the Spotify of Money with Tony McLaughlin

Fintech Daydreaming ·

2025/08/14

Season 12 blasts off with Tony McLaughlin – payments visionary, fintech provocateur, and freshly minted CEO of Ubyx.We go deep on stablecoins as the next general-purpose technology, why the legal wrapper matters more than the code, and how the industry’s plumbing – clearing, settlement, trust – will quietly decide the winners. Tony shares why permissionless networks aren’t the enemy of banks, how blockchain skepticism can turn into advocacy, and what it really takes to make digital money work at

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00:44:40

Sandbanks, Stablecoins & Summer Breaks

Fintech Daydreaming ·

2025/06/20

In this laid-back wrap-up to the season, Ville and Pål ditch the guests and go full retrospective—sharing their favorite episodes, personal fintech frustrations, and just how close we are to needing a crank-powered POS terminal.🎙️ Highlights include:🏆 Top guest moments: from Brett King to Sampsa from Alisa Bank (finally!)💸 Is Revolut the fintech iceberg about to sink the Nordic cruise ships?📦 Embedded finance, offline payments, and the unstoppable spread of… digital receipts🔮 Predictions for

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00:42:58

The Summer Fintech Slowdown | Nordic Fintech...

Fintech Daydreaming ·

2025/06/06

Sun’s out, fines out! In this sizzling episode of Fintech Daydreaming and Helsinki Fintech Farm Nordic Fintech Highlights, Ville, Janne, and Pål serve up a refreshing mix of Nordic fintech news—with a splash of sarcasm and a shot of hydration advice.💳 Enfuce declares war on fraud with its bold Fortitude Pledge to eliminate financial crime. The gang debates whether 100% fraud prevention is ambitious, admirable—or just asking for trouble.📊 S-Bank + Swiss robo-advisors = potential wealth tech magic

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00:47:48

Live from Nordic Fintech Summit 2025 – Buzzwords,...

Fintech Daydreaming ·

2025/05/23

This week, Fintech Daydreaming goes live from the heart of Helsinki for a special episode recorded at the 2025 Nordic Fintech Summit! With espresso (and later some beers) in hand and mics at the ready, Pål and Ville roamed the event to capture the freshest insights, boldest predictions, and too many slightly questionable karaoke references.We caught up with:• Janne Salminen, CEO of Helsinki Fintech Farm and event mastermind, on what makes this year’s summit bigger, better, and even more Nordic.•

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