This week, Pål and Ville dive into the regulatory labyrinth with Eva-Lotta Hokkonen, an attorney and senior associate at Dittmar & Indrenius, and a go-to expert on fintech compliance. If you’ve ever wondered why compliance feels like scaling Mount Everest for fintechs, we’re about to break it all down. We dig into why compliance presents unique hurdles for fintechs compared to traditional banks, what happens to compliance obligations when fintechs and banks team up, and why it’s not as simple as ticking off checkboxes. Eva-Lotta shares why understanding compliance is more than just staying on the regulator’s good side—it’s about making it a competitive advantage (yes, really). Finally, we get Eva-Lotta’s insider take on emerging trends in compliance that every fintech should be bracing for. Think of this episode as a fintech survival guide for navigating the shifting landscape of regulation. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

We’re back with another Nordic Fintech Highlights episode, where Pål, Ville, and our regular guest co-host Janne Salminen from Helsinki Fintech Farm unpack the latest from the Nordics—and this week, it’s all about tech innovations, top fintech picks, and payment upgrades! First up, Pål takes us through Lunar’s big news: they’re launching GenAI, Europe’s first AI-native voice assistant for banking. Imagine a future where your bank not only listens but actually “gets” you—no more endless tapping or navigating through menus. But can AI really deliver that seamless experience, or are we still a few updates away from our banking chatbot dreams? Next, Janne dives into the Helsinki Fintech Farm’s latest “Top 20 Nordic Fintechs” list. Who’s in, who’s out, and which trends are setting the pace this year? Janne also covers the recent news that Mastercard has acquired Minna Technologies, a game-changing move that could bring subscription management to the fingertips of millions globally. Finally, Ville wraps things up with an update on tap-to-pay, with Adyen, SumUp, myPOS, and Viva rolling out this feature across European markets. From tap-to-pay iPhones to terminal-free transactions, the payment space just keeps getting easier and more digital. But are we inching closer to a cashless society, or will it all be canceled because people will start using their phones to steal contactless card information in crowded places? Tune in for all the latest insights on how AI, acquisitions, and new payment solutions are shaping the future of Nordic fintech! - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Welcome back to “Fintech Daydreaming,” where we’re still decompressing from the high-octane thrill ride that was the Nordic Fintech Summit in Helsinki! Join Pål, Ville, and our special guests, Janne Salminen and Ola Sundell from Helsinki Fintech Farm, as they spill the beans on orchestrating this fintech fiesta.

We start with their fresh-off-the-press impressions—what popped, what flopped, and which moments are now etched in summit lore. Then, Janne and Ola pull back the curtain on the nitty-gritty of planning such an extravaganza. Think less “smooth sailing” and more “herding cats with a chance of paperwork.”

‌Get ready for tales of close shaves and epic saves, plus a couple of gaffes that prove even the slickest events have their ‘oops’ moments - one of which might or might not include a karaoke appearance by a familiar fintech podcast co-host. We also shine a spotlight on the summit’s MVPs—the themes and speakers who left the crowd buzzing.

‌But what happens when the last PowerPoint slides away? We have a nice chat about the science of feedback gathering—because nothing says “party’s over” like a hefty stack of comment cards waiting to be analyzed.

‌To cap it off, we look ahead to what’s next for Helsinki Fintech Farm after the confetti settles.

‌So tune in, lean back, and enjoy a cheeky peek behind the scenes of the biggest fintech shindig in the Nordics. It’s like a backstage pass to the nerdiest show on earth, and you’ve got front-row seats!

- Email us on Hello@FintechDaydreaming.com

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Episode one! Welcome to Fintech Daydreaming - a podcast for anyone interested in technology, financial services - or both. In this episode Pål Krogdahl and Ville Sointu give a brief introduction to the podcast series and chat about - you guessed it - the COVID-19 pandemic and its impact on banks.

Welcome back, fintech enthusiasts! This episode of Fintech Daydreaming takes you into the latest innovations stirring the financial fjords of the Nordics. Join Pål, Ville, and Janne as they round up some intriguing and occasionally perplexing news from the land of the midnight sun. This episode also serves as a warm-up for the upcoming Nordic Fintech Summit in Helsinki, where we look forward to meeting many of you! First, Pål unpacks the new partnership between ResultElf and Aura Cloud, which promises to bring a new spin to the lending landscape. They're rolling out a new toolkit aimed at creating more efficient lending solutions—because, it seems, money really can grow on cloud-based platforms. Next, Janne explores the exciting collaboration between Alisa Bank and Accountor, who are introducing a novel type of business bank account. This isn't just any bank account; it's designed to transform how businesses manage their finances, merging technology with convenience in ways that might even make your accountant crack a smile - all through the power of an embedded design. Wrapping up the discussion, Ville reflects on the somber news of OP Bank discontinuing their Pivo wallet. We say goodbye to a service once celebrated as a fintech favorite, now joining the ranks of discontinued digital services. We'll explore what may have led to Pivo's demise and discuss its implications for the future of digital wallets in the region. Whether these stories are game-changers or just another chapter in the Nordic fintech saga, this episode promises to unpack the innovations, disruptions, and lessons learned along the way. Tune in for a dose of insightful analysis and witty banter as we decipher whether these latest developments are truly reinventing the wheel—or merely spinning it. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

In this very special episode of Fintech Daydreaming, Pål and Ville take a nostalgic trip down memory lane, answering the burning question that fans have pondered over countless episodes: Why did they start this podcast, and what fuels their fintech fires even after nearly four thrilling years? By popular demand, it's time to peel back the curtain on the backstory and ethos of your favorite fintech podcast. The episode kicks off with a candid reflection on the early days, the initial sparks of inspiration that led two fintech aficionados to turn their daydreams into digital dialogue. Pål and Ville share the unfiltered tales of successes and the stumbles along the way, giving listeners a rare glimpse into the behind-the-scenes world that shapes each episode. As the conversation unfolds, the mystery of the podcast's intriguing name is finally resolved. Where did "Fintech Daydreaming" come from? The answer is as whimsical as it is profound, reflecting both the aspirational and the grounded spirit that the podcast embodies. Listeners will also get an insider look at what keeps the show evolving, from the relentless pace of fintech innovation to the vibrant community of listeners and experts who contribute their insights and stories. It’s a heartwarming reminder of how a simple idea can grow into something as diverse and surprising as the fintech world itself. So, whether you're a longtime listener or just stumbled upon this fintech fest, this episode promises to enrich your understanding of the podcast and maybe even inspire you to follow your own daydreams. Tune in, relax, and let Pål and Ville guide you through the story of "Fintech Daydreaming" – because sometimes, the best adventures begin with a simple question and a bold step into the unknown. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Strap in for a whirlwind tour of fintech's latest Nordic novelties in another riveting episode of Fintech Daydreaming. In this month’s edition of Nordic Fintech Highlights, our fearless trio Pål, Ville, and Janne don their explorer hats to dissect a smorgasbord of financial innovation that's as diverse as a Nordic buffet—and just as intriguing. First up, Pål dives into the tech-marriage of the century between Neonomics and Bislab, heralding the dawn of the next generation of embedded finance offerings. It's the kind of partnership that makes you wonder if finance is getting too cozy with tech, or if they're just moving in together for the tax benefits. Janne then shifts gears to something that sounds like a plot twist in a Scandinavian noir—IKEA's financial arm, Ingka Investments, swooping in to take full control of Ikano Bank. Yes, you heard it right: the same folks who've mastered the art of flat-pack furniture are now assembling their financial services empire. Brace yourself for savings accounts with names you can't pronounce and interest rates as complex as their assembly instructions. Ville rounds off the discussion with a tale of German innovation as N26 rolls out instant savings accounts across 13 new markets. Because when it comes to banking, nothing says "innovation" quite like being able to stash away money with the same ease as ordering a Bratwurst in Berlin. Join us as we navigate through these financial fjords, armed with nothing but wit and a healthy dose of skepticism. Whether you're a fintech aficionado, a banking guru, or just someone who enjoys a good financial frolic, this episode of Fintech Daydreaming promises insights, laughs, and perhaps a sudden urge to invest in a Billy bookcase. Tune in, and let's decode whether these fintech developments are the northern lights of innovation or just the headlights of an oncoming regulation reindeer. Either way, it's going to be a fascinating ride. Finally, we’d like to do a post recording CORRECTION to the segment where we cover the N26 story: While Revolut flexible accounts don’t have the traditional deposit insurance of a regular savings account, they do have a private investment insurance that covers the account balances up to a limit. Please refer to terms and conditions of the products and services in question for accurate information. We apologise for this oversight in the recording. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Get ready to dive headfirst into the blockchain rabbit hole with the latest episode of "Fintech Daydreaming," where the waters are murky, the regulations tangled, and the future as clear as mud. This time around, Pål and Ville are joined by none other than Erwin Voloder, who is the Head of Policy at the European Blockchain Association. EU's labyrinthine policy developments are a tall order for anyone, but who better to guide as through it all than someone with "policy" literally in his title? Together, they embark on a thrilling (and slightly dizzying) journey through the ever-evolving world of blockchain technologies and digital currencies within the EU. The conversation kicks off with the kind of policy and regulation chit-chat that could make even a seasoned bureaucrat's head spin. From the cryptic depths of blockchain regulation to the looming specter of the Digital Euro project, no stone is left unturned. Then, because why stop at confusing, our intrepid hosts delve into the murky waters of private versus public digital currencies. Spoiler alert: predicting the future of digital currencies based on today's information is like trying to solve a Rubik's Cube blindfolded—in a hurricane. But fear not, dear listener! Despite the convoluted subject matter, our hosts and their esteemed guest manage to inject a healthy dose of clear examples and perhaps a smidge of enlightenment into the discussion. If you've ever found yourself lying awake at night, pondering the fate of digital currencies or the EU's blockchain policy (and really, who hasn't?), this episode is like a lullaby sung by a choir of fintech angels. So, tune in, buckle up, and prepare to be mildly bemused, moderately enlightened, and thoroughly entertained as "Fintech Daydreaming" tackles the EU's blockchain and digital currency conundrum. It's going to be a wild ride, with more twists and turns than a blockchain ledger. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Strap in for a fintech merry-go-round with the Fintech Daydreaming squad, where the latest episode cuts through the February frost with hot takes that could melt even the iciest Nordic winter. Janne, Pål, and Ville are at it again, dissecting the month's juiciest fintech drama from the comfort of their virtual studio. First, Pål waxes poetic about TUUM's latest cash infusion. Because, apparently, what the world needs is yet another cloud banking platform to save us from the tyranny of traditional banking. Then, Janne gushes over Saxo Bank cozying up to MasterCard like it's the fintech version of a royal wedding. Open banking payments for investment accounts? Groundbreaking, if you've been living under a rock for the past five years. Ville can't resist joining the hype train, flaunting Enfuce's shiny new e-money license in the UK. Move over, Beatles and fish & chips—there's a new British invasion in town, and it's all about cards - from Finland. All this boils down to a no-holds-barred brawl over the fate of physical payment cards. Are they destined for the museum, or is there life in the old dog yet? Opinions fly faster than unfriended credit cards, and consensus is as elusive as a fee-free ATM. If you love your fintech news served with a side of dry Nordic humor and aren't afraid of a little debate, this episode is your spirit animal. Tune in to witness our hosts joust over whether fintech's future is "game on" or "game over" for the humble payment card. Spoiler alert: They agree on nothing. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Strap in, fintech enthusiasts! This episode of "Fintech Daydreaming" is tailored for every fintech startup wrestling with the age-old dilemma: How do we sell to banks? Whether it's peddling services, cutting-edge technology, or simply trying to get banks to sign you up as a customer, navigating the labyrinth to the decision-makers' hearts (and wallets) in banks is no small feat. Join your favorite fintech whisperers, Pål Krogdahl and Ville Sointu, as they tackle this behemoth of a question head-on. And who better to guide us through this maze than our good friend and Ville’s former colleague, Ewan MacLeod? Ewan brings to the table a treasure trove of insights, drawing from his rich experience on both sides of the fintech-banking divide. In this heart-to-heart, Ewan spills the beans on what really gets a bank's attention, the do's and don'ts of fintech pitches, and how to align your shiny fintech solution with the banks' often elusive needs. Expect stories from the trenches, laughter at the absurdities, and, most importantly, actionable wisdom that could very well be the Rosetta Stone for fintechs aiming to make their mark in the banking world. If you've ever found yourself puzzling over the secret handshake to win over banks, this episode is your not-so-secret map. Tune in, soak up the insights, and get ready to take notes - because "Banking on It" might just be the breakthrough moment your fintech has been waiting for. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Buckle up, fintech aficionados! Our monthly "Nordic Fintech Highlights" episode has arrived, and it's a whirlwind tour through January's most electrifying developments in the Nordic fintech scene. Our dynamic duo, Pål Krogdahl and Ville Sointu, are joined by the ever-insightful Janne Salminen, the mastermind CEO of Helsinki Fintech Farm and purveyor of many a bad joke, to unpack the juicy details. First on our agenda, we delve into Danske Bank's latest venture with Backbase—a partnership less about romantic candlelit dinners and more about a dynamic duo set to revolutionize digital banking like never before. But the question lingers: is this a case of too little, too late? Next, we dart over to Finland, where MobilePay is making a grand re-entrance, poised to sprinkle some magic on mobile payments. It's akin to reconnecting with an old friend who's just got a fabulous new makeover—you just know things are about to get thrilling. And just when you thought our fintech feast couldn't get any richer, we explore how Januar and Fireblocks are joining forces to create a digital Fort Knox for digital assets. This is the kind of top-tier security that could make even the most skeptical crypto asset manager sleep soundly. So, if you're in the mood for a hearty serving of fintech fun with a dash of Nordic flair, you've struck gold. Tune in, crank up the volume, and let's navigate the waves of January's fintech frenzy with grins all around. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

🌟 Welcome to another episode of Fintech Daydreaming, where we navigate the winds of change in 2024! 🚀 This year like every year for many of us begins with a common theme of renewal and transitions, not just in personal lives but also in professional landscapes. As we've noticed, a significant shift happens every year at this time in job markets and career choices – but what's driving this change? 🔍 A staggering 40% of the global workforce is consistently on the lookout for new opportunities, a statistic that paints a vivid picture of the current employment climate. While this level of employee turnover challenges employers' desire for stability, it also opens up a conversation about the importance of employee experience. 📘 In this episode, we're thrilled to have Joey Coleman, a celebrated user experience specialist and the author of “How to Never Lose a Customer Again.” Joey brings his expertise to a new dimension in his latest book, “How to Never Lose an Employee Again.” This thought-provoking publication serves as the foundation of our discussion, providing rich insights into the world of employee experience. 🎧 Join us as we delve into Joey's profound understanding of user experience and its far-reaching impacts – insights so powerful, they might even save your marriage (watch out for his next book, you heard it on Fintech Daydreaming first 😉)! This episode is packed with intriguing ideas and strategies that will transform how you view employee engagement in the fintech sector and beyond. 👉 Tune in now to discover the secrets to retaining top talent and fostering a thriving workplace environment in this ever-evolving industry. Don't miss this casual and fun conversation on Fintech Daydreaming! - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Welcome to 2024 – a year promising fresh innovation and excitement in the fintech world! 🎉 We're thrilled to launch the new season of Fintech Daydreaming, and what better way to start than with a Nordic Fintech Highlights special, in collaboration with our good friends at Helsinki Fintech Farm? 📈 December 2023 was nothing short of extraordinary in the Nordics' fintech scene, brimming with interesting news and developments. With so many significant stories, it was a challenge to pick just a few, but here's a sneak peek of what we've covered: 🦄 ePassi's Milestone: ePassi's valuation has skyrocketed to a staggering one billion euros, marking its entry into the elite unicorn club. 🚗 Klarna's drive-now-pay-later move: Klarna extending its Buy Now, Pay Later (BNPL) services to car rentals. Discover how this expansion is set to impact the automotive rental industry. 🤝 OP and Nordea's Joint Venture: Witness the future of instant payments in Finland, as OP and Nordea join forces in a joint venture, paving the way for seamless financial transactions and e-invoicing. 🔗 Keen to dive deeper? You'll find the complete December Nordic Fintech Highlights, along with a subscription link, at Helsinki Fintech Farm's Newsletter page - https://www.helsinkifintech.fi/news/nordic-fintech-highlights-december-2023/ - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

This week, Ville and Pål sit down with Elisabeth Prager, co-founder of Aila Money, to tackle a topic that deserves way more airtime—the gender wealth gap. Spoiler alert: it’s still very much a thing, and the numbers aren’t pretty. But fear not, because Elisabeth and her team at Aila Money are stepping up to be part of the solution. We explore how Aila Money is empowering women financially, with tools and insights designed to help close the gap once and for all. From practical steps to the challenge of addressing a systemic issue that could take up to seven generations to fix, we break down what it’ll take to make financial equality more than just a dream—and why it’s a win for everyone (yes, even the men). Whether you're a fintech junkie, equality advocate, or just curious about the future of finance, this episode is a must-listen. Tune in for a conversation that’s both enlightening and, dare we say, a little inspiring—because the future is all about equal opportunities, driven by financial empowerment! P.S. The book Elisabeth recommends in this episode is Invisible Women: Exposing Data Bias in a World Designed for Men—available at all good bookstores. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Many things are getting wrapped this Christmas week and one of them is season eight of Fintech Daydreaming. In our traditional end of season episode Pål and Ville reflect on season eight highlights and main takeaways from what we learned in 2023 overall. As we look forward to 2024, questions are abound: Will the new year be a mere repeat of its predecessor, or are we going to see new themes in the fintech landscape? In this episode we take a swing at some predictions, but we're eager to hear yours. Tune in, join the conversation, and share your thoughts on what 2024 might hold for fintech, as well as who you'd like to see as a guest in the upcoming season. Wishing all our listeners a joyous holiday season filled with wonder and inspiration. Happy Holidays from the Fintech Daydreaming team! 🎄💫🎆 - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

The holiday season is almost upon us, but that doesn’t mean that the world of Nordic fintech is slowing down - quite the opposite! The Slush conference swept through Helsinki just recently and with it came a lot of fintech goodness for us to discuss in this month’s edition of Nordic Fintech Highlights in collaboration with Helsinki Fintech Farm. Stories we covered in this episode: Enfuce secures a new round of funding Tink partners with Savings Bank Group Bank of Lithuania reveals five year strategy to become a leading country in fintech - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

In this episode of the Fintech Daydreaming podcast, co-hosts Ville and Pål are thrilled to host a distinguished guest, best-selling author Sangeet Paul Choudary, the insightful mind behind the book "Platform Revolution." Sangeet joins the conversation to delve into the seismic shifts that platform business models are inducing across the financial sector. In the conversation, Sangeet identifies a compelling pattern in the global economy: a cycle of digitalization that alternates between the unbundling and rebundling of services and industries. He sheds light on the critical role that platforms play in this dynamic, serving as orchestrators and connectors in an increasingly digitally-converged world. We know you never want to miss an episode of Fintech Daydreaming, but this is guaranteed to be the one episode of Fintech Daydreaming you won't want to miss. Listeners eager to dive deeper into Sangeet's thought leadership or wishing to connect with him can explore his body of work and reach out through the following channels: - Uncover insights and strategies on Platform Thinking Labs: https://platformthinkinglabs.com/ - Subscribe to thought-provoking analyses at Platforms Newsletter: https://platforms.substack.com/ - Connect with Sangeet on a professional level via LinkedIn: https://www.linkedin.com/in/sangeetpaul/ - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

In this engaging second episode of our collaboration with Helsinki Fintech Farm, we journey once more through the bustling Nordic fintech landscape.

Though payments and venture funding may appear routine, the Nordic fintech sector always keeps us on our toes. This time around, we delve into the pivotal role of national infrastructure in fostering fintech adoption, and explore the impact of central bank digital currencies (CBDCs) in our daily lives, probing their actual relevance.

And fear not, our tradition of sharing a humorously bad joke continues in this episode, keeping the narrative lively and amusing. Will the joke be exceptionally bad this time? Tune in to find out!

- Email us on Hello@FintechDaydreaming.com

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

If embedded banking and finance are the future of financial institutions, will the role of banks become more critical, less significant, or simply transform? Paul Staples, Head of Corporate Embedded Banking at ClearBank, joins hosts Pål Krogdahl and Ville Sointu to delve into the shifting role of banks within digital ecosystems and its long-term implications. From atrocious quantum jokes to insights on machine-to-machine payments, this episode is a must-listen, even if you believe you've already mastered the intricacies of embedded finance. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

The first ever episode of Nordic Fintech Highlights is here! Pål and Ville join Janne from Helsinki Fintech Farm to discuss what’s hot (or not) in Nordic fintech this month. In this episode we discuss: Alphasense becomes the first Finnish fintech biunicorn - AlphaSense, an AI-based market intel firm, snaps up $150M at a $2.5B valuation | TechCrunch Enable Banking partners for pan-European open banking - Enable Banking, CRIF and Strands Forge Strategic Partnership to Revolutionize Open Finance Solutions in the Nordics. Enigio Time secure funding from a top-tier bank for accelerating digital trade - Lloyds Banking Group Invests €3M In Enigio To Support Digital Documentation In Trade | Crowdfund Insider Stay tuned for monthly updates of Nordic fintech news on this channel, and don’t worry - we still stick with bad jokes and of course Fintech Daydreaming will resume regular programming in the next episode 🤓 - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Do you have children? If you do, here’s something to think about: your kids are probably multimillionaires before they ever get their hands on a real bank account. How is this, we hear you ask... This is true because of most kids getting exposure to virtual worlds like games with their own digital economies. But this also creates a financial education challenge when bridging the gap from virtual to real money. Marcus Ivarsson has realised this abstraction of monetary value as a design problem that needs to be solved. As the CEO and founder of Tjing, he and his team are trying to find the right answers to the question: how to make money as understandable and intuitive as cash in a world where everything is digital? Hint: It must be something more than a number on a screen. Join Marcus, Pål and Ville in this week’s episode for all this, a very bad joke and much more! - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

"Culture eats strategy for breakfast” is a phrase you hear quite often when talking about developing organisations towards sustainable growth. What happens when the development you need to get done is in a bank and the direction you are taking is invisible banking? How do you cultivate a culture that becomes an environment for innovation in a regulated banking environment? Sudip Khan is the Open Banking Leader in one of Europe’s largest banks, Raiffeisen Bank International (RBI), and is facing this exact dynamic in his daily work. In this episode Sudip talks about how perhaps non-conventional fintech topics like culture, empathy and listening are keys to success -- and of course never checking your customer’s balance. Listen in and learn why! - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Autumn is fast approaching and that means two things: more rain and a fresh new season of Fintech Daydreaming! Season eight of our podcast kicks off on a high note as we welcome CEO of audax, Kelvin Tan for a discussion about the current and future digital banking landscape. Building a digital banking platform in-house in a bank and then packaging it into a product is a journey that builds on the potential of a team that has deep understanding of how banks operate and how to address their needs. Tune in to hear how Kelvin and his team navigated through this journey and created audax. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Join hosts Pål and Ville in this episode of Fintech Daydreaming as they reflect on the exciting journey of Season 7 and share their plans for Season 8. Season 7 was filled with engaging discussions and insightful interviews, covering topics like ESG and embedded finance. The hosts express their gratitude for the continuous growth and support from their audience, with their LinkedIn page now reaching over 2,000 followers. Looking ahead to Season 8, Pål and Ville discuss the growing significance of generative AI in fintech. They anticipate an increasing demand for large language models tailored for enterprise needs and express keen interest in exploring the intersection of generative AI and compliance in the banking sector. The hosts promise to continue refining their teaser videos and featuring esteemed guests who can shed light on the evolving fintech landscape. Listeners are encouraged to provide feedback and suggestions to ensure Fintech Daydreaming remains an engaging and informative platform. Tune in to this episode for a recap of Season 7, insights into future topics, and stay tuned for Season 8 of Fintech Daydreaming! - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

We’re back with another Nordic Fintech Highlights episode, kicking things off with a nod to the Mobey Forum member meeting’s epic "Fight Club" debate earlier that week. Two of our former guests, Monika Liikamaa and Anders Olofsson, went head-to-head—and let’s just say, the fintech gloves were off! As always, Pål and Ville are joined by Janne Salminen from Helsinki Fintech Farm to break down the latest from the Nordic fintech scene: Ville opens with Sweden's central bank issuing a stark warning to banks about protecting access to cash. Could this ironic twist in the cashless story lead to new legislation? In a world moving away from cash, is it still essential? Janne follows up with the latest on the DDoS attacks that hit Nordic banks in September. What does this mean for the region’s digital infrastructure, and how vulnerable are we to future cyber threats? Pål closes by exploring Alisa Bank’s renewed strategic focus on embedded finance and Banking-as-a-Service. With their sights set on SMEs, partners, and deposit customers, are they poised for a fintech glow-up, or is it just another pivot in an already crowded Nordic banking space? Tune in for a no-holds-barred discussion, covering everything from cash flow dilemmas to cyber chaos and strategic shake-ups. Let us guide you through the twists and turns of the Nordic fintech world! - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

“Everything in this world that can be connected, will be connected” is a phrase that gets thrown around a lot. What many times gets less attention is how exactly will this massive connectivity of machines and things mean for ownership and value chains that are suddenly sources of a lot of very detailed usage data. Linx4 is an Austrian fintech that saw this opportunity and ran with it. Paul Bruckberger is the CEO and one of the founders of linx4 and he joined Pål and Ville to talk about how exactly we can move into a world of usage based business models. Drop us a note in the comment section or any of our social media channels where you tell us the number of things born in Austria that you can spot in this episode and you will get a chance to win an authentic Fintech Daydreaming T-shirt! (very limited supplies, wrong answers only) - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

It’s that time of the year again: Pål and Ville took the show on the road and joined the Nordic Fintech Summit in Helsinki as the official podcast partner to bring you this special episode that was recorded live in our own temporary studio on site. Our hot seat was on high demand and we got to speak with a wide range of guests and exhibitors in the summit. Join the fun as we talk to: Janne Salminen, Helsinki Fintech Farm Connor Blake, Personetics Reggie Rusan, eSystems Nordics Alistair Cotton, Integrated Finance Bent Winkel, Thought Machine Chris Crespo, Nordic Fintech Magazine Jonas Qvarfordt, Backbase Ado Fazlic, Neonomics Joakim Botha, Eliq Asya Kruglova, Web3 Builders Stefan Eriksson, Crosskey Thank you to Helsinki Fintech Farm for having us - we’ll definitely be back to the Nordic Fintech Summit next year! - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Stop the press 💥 Banks are late to the party and are just about to join as the cool kids are already heading for the exits 🚪🏃‍♀️ Sounds about right, but which party is it this time? The public cloud. Join Pål and Ville in this episode of Fintech Daydreaming where we are joined by David Heinemeier Hansson, who is the CTO and co-founder of 37signals - the company that has brought you Basecamp. David breaks down their journey in and out of the public cloud and why this path is soon going to be very familiar for more companies, fintechs and banks than we might realize. If you’re a CIO in a bank just about to get on the public cloud journey, you definitely should listen to this one. If you’re not, you probably still want to hear how it all plays out 🤓 - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

We don't always have fintech superstars as guests, but when we do, they are shining bright. Leda Glyptis joined Pål Krogdahl and Ville Sointu to talk about her own journey in banking and fintech and how it inspired her to write her recently published book "Bankers like us." Surgeon general warning: This episode might give you superpowers - especially if you're working in the trenches of digital transformation in a bank. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Have you ever wanted to ask a fintech VC what are the ingredients for your company's success and scaling globally? Us too! Pål Krogdahl and Ville Sointu sat down with Prakash Pattni from IBM and Anders Hammarbäck from Antler to talk about the current trends in fintech but most importantly how to take a fintech idea to practical execution and how to get funding. Will we be able to carry out a conversation about fintech trends without spiralling down the crypto debate drain? Are Pål and Ville able to handle two guests at once for the first time? Nothing left to do but to click that play button and listen to this fresh instalment of Fintech Daydreaming to find out! This episode was produced in partnership with IBM. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Every vehicle needs an Engine, and in case your vehicle happens to be a financial institution you probably should have a listen to this week's episode of Fintech Daydreaming. Chief Commercial Officer of Engine by Starling Nick Drewett joined Pål Krogdahl and Ville Sointu to talk about how the success of Starling Bank in the UK inspired the build-up of Engine by Starling; a software as a service platform that promises that any bank could become the Starling Bank of their own country. Join us for another bi-weekly dose of fintech nerdiness as we get wonderfully lost with Sterling and how they relate to Engines 🤓🙃 - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

This special episode of Fintech Daydreaming was recorded live and for the first time ever in front of a live audience at the Mobey Forum member meeting in Vienna.  

Alessio Basso from AWS joined us on stage to discuss one of the hottest topics in fintech right now: superapps. Is this phenomenon just the result of unique circumstances restricted to China or the future of digital ecosystems and service delivery on a global scale? Are superapps actually the next generation of digital wallets or is wallet just a simple feature in something much more complex? 

Join us for the ride as we dash through this and more in this high energy live show 🎢😎  

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com 

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream 

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming 

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ 

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

We go above and beyond with Down Under in this week's episode of Fintech Daydreaming as Pål and Ville is joined by Dexter Cousins from Tier One People to talk about the Australian fintech scene 🦘🪃🇦🇺  

Recording an Ozzy episode is an entertaining proposition by default, but on top of that we might have ended up actually learning something about fintech and happy life - we hope you enjoy this discussion as much as we did recording it 😎  

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

SEBx has been the poster child of Nordic bank innovation and subject of endless intrigue from the fintech community since its inception.

The founder of SEBx and current Head of SEB Embedded Christoffer Malmer joined Pål Krogdahl and Ville Sointu on this episode of Fintech Daydreaming to tell the whole story and share his insights to some of the burning questions everyone working with emerging technologies in banks is asking: how did SEBx get off the ground? How to navigate the control environment of an incumbent bank without losing the benefits of building on a clean slate?

Sit back, relax and enjoy this 45 minutes of unfiltered insight straight from ground zero of Nordic digital banking innovation 🍿💡

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Time is relative and we go quantity over quality in jokes when Pål Krogdahl and Ville Sointu get to host Anders Olofsson in this week's fix of Fintech Daydreaming.  

We jump from bitcoin to central banks, to connection problems, to Wirecard and more in this fast paced episode. Doesn't sound like a plausible script for a podcast but somehow we covered it all in this rollercoaster of an episode that shouldn't bore anyone - so grab the popcorn and enjoy the ride 😄

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

In this episode of Fintech Daydreaming, Pål and Ville are joined by Jani Ristimäki from BearingPoint to dive deep into one of the buzzwords of the moment—embedded finance. Spoiler alert: it’s already here, and it’s changing the game for banks, fintechs, and consumers alike. From payments baked seamlessly into apps to financial services appearing in places you’d never expect, we break down what embedded finance really means and why it’s the future. Will banks survive this shift, or are fintechs taking over the new customer touchpoints? And how does it all impact you—the everyday user who just wants to sustainably and intelligently finance your next purchase without thinking about it too much? If you find yourself sometimes wondering whether banking will become entirely invisible or if banks are going to lose touch with their customers as a result - this might be an episode for you. Tune in for a lively discussion packed with smart insights, terrible humor, and plenty of speculation about what’s next in the world of fintech. - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Season seven is here! Our Fintech Daydreaming hosts Pål Krogdahl and Ville Sointu have (mostly) survived the holiday season, and have picked-up right back where we left off in 2022 by starting with one of the most important topics we are all going to be talking about in 2023: ESG in banking and fintech.

Luckily we found just the right expert to tell us all about the ups and downs of the challenge that we're facing in ESG: Adam Thompson spends his days making an impact in this space but managed to spare some time to discuss with us about what the state of affairs looks like right now and what we need to do move the needle in making the world quite literally a better place.

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Time to wrap up season six of Fintech Daydreaming and see what (if anything) we learned in 2022. In our season finale we at least learn that ChatGPT hype has finally caught up with Pål and Ville, but is there a fintech angle to it at all and what is it good for actually? What about the problems of AI that are certainly going to be front and center with ChatGPT too?  

Sit back, relax, grab a beverage of your own preference and join us for this relaxed wrap-up of this season and don’t worry: we will be back in 2023 for season seven.  

In the meantime: Happy Holidays from all of us at Fintech Daydreaming! 🎄🎁  

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

What do bananas, Finnish sauna, personal finance management and chimpanzees have in common?  

Data, obviously 🤷‍♂️   

Before you ask - have a listen to this penultimate episode of season six where Amir Tabakovic from Experiens.ai joined our hosts Pål Krogdahl and Ville Sointu to educate us about AI, machine learning and data usage in banking. In addition they take a run down memory lane of how Amir got involved with data driven financial services in the first place, and ended up lecturing in universities, and as an author of several papers on the topic.  

You will find Moby Forum publications about emerging privacy enhancing technologies that we refer to in the episode from these two locations:

- The Digital Banking Blindspot - introduction to PETs (https://mobeyforum.org/the-digital-banking-blindspot/) 

- PETs explained (https://mobeyforum.org/privacy-enhancing-technologies/)  

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

How does a global company navigate the perilous landscape of regional regulation and remain competitive? Fintech companies handle a tremendous amount of sensitive and private data that puts them in the centre of this exact question.  

Jeff Parker leads Marqeta's international unit and has a lot to say about how to find answers to difficult data questions that go way beyond just GDPR. Pål Krogdahl and Ville Sointu sat down with Jeff around our virtual Fintech Daydreaming podcasting table and learned all about it.  

Luckily we also remembered to record our conversation, which means you get to listen to all of it today!  

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Have you ever wondered what happens when you put two recovering bankers and our resident bank platform advocate Pål Krogdahl in the same podcast episode, and start talking about how open banking came about in the Nordics?  

Us at Fintech Daydreaming too, and that's exactly why we invited Sarah Häger for a chat with our hosts Ville Sointu and Pål Krogdahl, to tell us all about how to build a successful developer community in an unlikely environment like a bank.  

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

It’s that time of year again. The season when who’s who of the financial services industry flock to a get together that still today is the largest migration of bankers and Fintech nerds heading to one place: the annual Sibos conference.  

Our co-host Pål Krogdahl found himself in the middle of it all and we decided to share the experience with all our listeners. What’s hot (and not) this year? Why does everyone look so tired every morning? All this and more with this week’s episode - tune in!  

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

"Here we go again" we thought when we scheduled this episode recording that it would be another one about embedded finance. At the same time we realised that this is a chance to get to the next level in the discussion: how does embedded finance really work? What is the terminology we should use and what are the implications of delivering these capabilities across national borders and over different jurisdictions?  

Our guest for this episode of Fintech Daydreaming, Nick Root, Co-founder and CEO at intergiro helped us navigate through all of it with ease. Join us for the ride!

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

What is a brank? While we break new grounds in Fintech Daydreaming every now and then this is the first time we might have accidentally invented a new word that tells everything about how banks could re-invent their brand strategy. 

Join Pål Krogdahl and Ville Sointu for this episode, where they talk with Liz High (unfortunately Allison was unable to join us at last minute) about how banks today could do better with the way they communicate their investments in a digital world, and how that translates to value for their customers. 

Check https://thinklikeabrandbook.com to learn all about it - or just listen to this episode to get the highlights - even better, do both!  

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Season six continues with another mega-trend and another mega-guest: current Head of IBM Cloud Platform and former Bank of America CTO Howard Boville, re-joins Pål Krogdahl and Ville Sointu to talk about what’s what in regards to banks moving to the cloud - and more.  

A lot has happened since Howard was with Fintech Daydreaming the last time (S02:E05). We get to hear an update on where the current industry status on cloud adoption, and learn about every banker’s dream - mainframe on the cloud! ☁️🏭  

In other words: buckle up for another wonderfully fintech-nerdy episode 🤓  

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Open season for banks or the season for open banking? In this episode Eyal Sivan, Mr. Open Banking himself, joins Ville Sointu and Pål Krogdahl in the Fintech Daydreaming studio, and right off the bat go deep into the philosophy of open banking. They end up making a full tour around definitions, regulation and actual use cases just to round it up in time to talk about the future of it all.

In short: Ever wondered about anything related to open banking? This is the episode you don't want to miss.

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

We’re back with another Nordic Fintech Highlights episode, and this time it’s practically drenched in pink, thanks to Klarna's dominant presence! Pål and Ville, along with the ever-insightful Janne Salminen from Helsinki Fintech Farm, dive into the latest Nordic fintech stories making waves. First, Pål kicks off with IKEA’s intriguing foray into the second-hand market with IKEA Preowned. A marketplace for upcycled furniture? It’s sustainability meets e-commerce, with IKEA finding clever new ways to make us assemble our lives—again. Next, Janne unpacks Klarna’s big news: after years of massive spending and headline-making drama, they’ve finally turned a profit. It’s like watching a fintech unicorn finally come of age—but don’t worry, they’re still as stylish as ever. Ville wraps things up with Klarna’s latest move—offering full-on payment accounts for customers. Channeling some serious African mobile money vibes, Klarna is now aiming to go beyond “buy now, pay later” and take on the banks at their own game. But will this bold move succeed, or is it just another flex from the fintech giant? Tune in for this “fifty shades of pink” episode of Fintech Daydreaming, where we break down the Nordic fintech scene with a heavy Swedish twist. If you're into Nordic fintech and aren’t afraid of a little disruption, this one’s for you! - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream - Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming - Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ - Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

The short but sweet Nordic summer is over and it's time to kick off season six of Fintech Daydreaming! We've been trying to get the blockchain leader and fellow podcast host Anthony Day (host of the podcast "Blockchain won't save the world") to be a guest on our podcast for quite a while now so we couldn't have been happier to get him to join our hosts Pål Krogdahl and Ville Sointu to kick off this season.  

Will we finally get a proper definition of web3? Is there a real use case for web3 and does it connect to the metaverse somehow? Did Ville manage to use an NFT to get to a secret party during his summer vacation? This and more answered - all you need to do is hit that play button 👉  

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com 

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream 

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming 

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/ 

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Summer is officially here, and that means it’s time to end another roller coaster of a season of the Fintech Daydreaming podcast. Before we do that though, our hosts Pål Krogdahl and Ville Sointu sat down to summarise some of the main highlights, key themes and best takeaways of season five. As a bonus Ville drops a career newsbomb seemingly out of nowhere 💣

Special thanks to all our fans for listening and watching us during season five. Fintech Daydreaming will return for season six in August with a fresh lineup of guests and topics. But for now, we wish you all a great summer, and a big thank you to our guests for season five...

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

Summer is almost here but the team at Fintech Daydreaming are showing no signs of slowing down as we finally got one of our most anticipated guests to join us for a chat. Our hosts Pål Krogdahl and Ville Sointu sat down with Paul Yoo from Meta who has a phenomenally interesting career that has taken him around the world working for some of the best known brands in fintech.

We got to talk about everything from crypto to the metaverse and ended up learning about how once upon a time bitcoin “almost” took over the economy in Thailand. Tune in. You won’t regret listening to this one.

- Email us on Hello@FintechDaydreaming.com 

- Fintech Daydreaming home page - https://www.FintechDaydreaming.com

- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream

- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming

- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/