Afleveringen
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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.
• Christie H. Kristensen from Danske Bank, on whether open banking is finally living up to the hype.
• Taru Möller from Nordea, who explains how strategy and reality sometimes even get along.
• David Cunningham from Citi, dropping hard truths (and soft predictions) on the future of digital assets.
• Lars Markull, founder of Embedded Finance Review, decoding what “embedded finance” actually means in 2025.
• Kristian Sørensen from IN Groupe, holding up the Mobey Forum banner high and making digital identity sound both exciting and at the same time making us slightly worried that many of our predictions from over ten years ago are becoming reality.It’s fintech in the field: unfiltered, slightly chaotic, and packed with sharp takes from some of the smartest minds in the industry. Tune in and get a front-row seat—minus the lanyard.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Femi Apanishile- Email us on [email protected] 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/- Femi Apanishile - https://www.linkedin.com/in/femi-apanishile-935a74a1/
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Nordic Fintech Highlights is back with Pål, Ville & JanneHold onto your wallets — it’s another round of Fintech Daydreaming’s Nordic Fintech Highlights! This month, the crew dives into:💸 Froda’s fresh funding round – Pål kicks things off with Froda’s impressive new investment and what it means for the embedded finance scene in the Nordics. Is Froda quietly becoming the Stripe of SME lending? Or are we just slapping “embedded” on everything now?🛍️ Klarna x Clover – Janne breaks down Klarna’s latest move to bring BNPL into U.S. brick-and-mortar stores via Clover’s POS system. Will Americans now split their taco payments into four easy installments? The gang debates Klarna’s global stretch and whether in-store BNPL is genius or just fintech déjà vu.🎟️ Coachella + BNPL – Ville brings some festival flair with a quirky story: 60% of Coachella 2025 tickets were bought using BNPL — but not through Klarna or Affirm. What’s going on here? Is “Buy Now, Cry Later” the new concert norm?As always, expect banter, bold takes, and the occasional accidental startup pitch. Warning: contains strong fintech opinions and light Coachella FOMO.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Femi Apanishile- Email us on [email protected] 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/- Femi Apanishile - https://www.linkedin.com/in/femi-apanishile-935a74a1/
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Zijn er afleveringen die ontbreken?
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In this highly anticipated episode of Fintech Daydreaming, Ville and Pål sit down with Sampsa Laine, CEO of Alisa Bank, to uncover the story behind one of Finland’s most interesting digital banks. From its fintech roots to securing a full banking license, Alisa Bank has been on quite the journey—and Sampsa takes us behind the scenes.We dig into:🏦 How Alisa Bank came to be and how it balances fintech agility with full banking capabilities📈 The bank’s sharp focus on SME banking, embedded finance, and banking-as-a-service🤖 Why going fully digital (without branches!) is a winning strategy in today’s market🌍 Alisa’s expansion plans—could new markets be on the horizon?Sampsa also shares insights on navigating regulation, the challenges of running a publicly listed bank, and what’s next for Alisa. Plus, we managed to squeeze in a fintech joke (because traditions matter).If you’re curious about the future of digital banking and how challenger banks are shaking up the industry, this is an episode you won’t want to miss!Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Femi Apanishile- Email us on [email protected] 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/- Femi Apanishile - https://www.linkedin.com/in/femi-apanishile-935a74a1/
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April's here, the snow is (mostly) gone, and the fintech news is blooming — sort of. In this episode, your favourite fintech trio Ville, Pål, and Janne return with a fresh batch of Nordic headlines, greetings from the Baltic Fintech Days, hot takes, and at least one minor existential crisis.Here’s what went down:Ville got us started with some light apocalyptic vibes, as we unpacked Sweden’s Riksbank prepping for war — seriously. The central bank is testing offline payments and backup systems in case of internet outages or full-on conflict. Political aspects aside, the landscape of offline payments is definitely a fascinating technical and governance dilemma.Janne brought some much-needed positivity with the news that Raisin has landed in Finland. The savings platform promises better deposit rates and a bit of healthy competition in the local market. But is the Finnish public ready to move their money for a few more basis points? Or will it take free buckets?Pål closed things out with a look at ReceiptHero’s new B2B partnership with Fennoa. It’s a big step for digital receipts and accounting automation — and a small victory in Pål’s long-standing war on paper. Spoiler: he’s still very much winning.As always, things went slightly off the rails (looking at you, Janne), but we somehow brought it all back. Tune in for fintech insights, occasional wisdom, and the only podcast where Nordic monetary policy and mushroom hunting might share airtime.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Femi Apanishile- Email us on [email protected] 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/- Femi Apanishile - https://www.linkedin.com/in/femi-apanishile-935a74a1/
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This one’s special! We joined forces with none other than Breaking Banks for a crossover episode featuring the legendary Brett King alongside Pål and Ville. In true fireside chat style, we dove deep into the biggest shifts shaping fintech today and what’s coming next.Topics? Oh, we covered it all, including but definitely not limited to:🔥 The Nordic fintech scene — what are the big names from the Nordic scene after all?🧑💻 Q-Day and the rise of quantum banking (yes, really!) and what it could mean for financial services🤖 Machine-to-machine payments and future industrial economy —because why should humans have all the fun?📖 A sneak peek into Brett’s upcoming book and the ideas that are keeping him up at nightPacked with insights, bold predictions, and a good dose of banter, this is one episode you don’t want to miss. Tune in as Fintech Daydreaming meets Breaking Banks for a fintech deep dive like no other!Episode hosted by Brett King, Pål Krogdahl & Ville SointuEpisode produced and edited by Provoke.fm- Email us on [email protected] 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/- Femi Apanishile - https://www.linkedin.com/in/femi-apanishile-935a74a1/
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We can pay for everything digitally, so why are we still walking away with crumpled paper receipts? In this episode of Fintech Daydreaming, Pål and Ville sit down with Chris Moore, Director of International Business at ReceiptHero, to discuss the journey of bringing receipts into the digital age.Chris walks us through the challenges of transforming an underserved market, the practicalities of making digital receipts happen, and the business models that could drive adoption. From sustainability benefits to seamless integrations, we explore why digital receipts are more than just a convenience—they’re a fintech opportunity waiting to be unlocked.Tune in for a deep dive into a space that’s long overdue for disruption—because the only paper we should be dealing with is money, not receipts! And while you’re at it - don’t forget to listen all the way to the end for the most on-topic (and horribly bad) joke so far in this season!Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Femi Apanishile- Email us on [email protected] 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/- Femi Apanishile - https://www.linkedin.com/in/femi-apanishile-935a74a1/
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February may be short, but Nordic fintech didn’t hold back! In this Fintech Daydreaming episode, Pål, Ville, and Janne sit down for another round of Nordic Fintech Highlights. As always, we covered the biggest fintech news—but not before Janne cracked a joke so bad it nearly derailed the entire recording. (We survived… barely.)Here’s what we tackled this time:🚀 Lunar’s big BaaS bet – Pål took a deep dive into Lunar’s spin-off Moonrise, a Banking-as-a-Service platform set to shake up the Nordic embedded finance space.💰 Lunar’s lending expansion – Janne continued the Lunar talk with their new SME lending partnership with Froda, unlocking more financing options for businesses.🚗 Klarna goes automotive – Ville explored Klarna’s partnership with FINN, bringing flexible payments to the car subscription market. Because who wouldn’t want a BNPL option for their next ride?With plenty of fintech insights, strong opinions, and a few moments of near-total chaos, this episode is packed with everything you love about Fintech Daydreaming. Buckle up and enjoy the ride!Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Femi Apanishile- Email us on [email protected] 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/- Femi Apanishile - https://www.linkedin.com/in/femi-apanishile-935a74a1/
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Hot Takes, Cool Guests & The Best Kind of Fintech Mayhem
For this special episode, we packed our mics, grabbed some strong coffee, and took Fintech Daydreaming on the road to Stockholm Fintech Week! 🎤🚀 Amidst the fintech frenzy, Pål and Ville caught up with some of the sharpest minds in the industry for rapid-fire chats, bold predictions, and a few fintech hot takes.
Our all-star lineup included:
Christie H. Kristensen (Danske Bank) – On whether banks and fintechs are actually friends or just frenemies, and what happens with customer experience in all of this?
Chris Skinner (Author, Speaker) – Dropping fintech wisdom like only he can
Baard Slaattelid (VippsMobilePay) – Making the case for why regional digital wallets are more important than ever
Sofi Håkanson (Centiglobe) – Solving cross-border payments so we can perhaps all finally ditch some of those outrageous fees
Chris Crespo (Nordic Fintech Magazine) – Breaking down the Nordic fintech scene like a true insider
From insightful discussions to behind-the-scenes laughs, we had a blast recording this one—now it’s your turn to tune in and enjoy the ride!
Episode hosted by Pål Krogdahl & Ville Sointu
Episode produced and edited by Femi Apanishile
- Email us on [email protected]
- 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/
- Femi Apanishile - https://www.linkedin.com/in/femi-apanishile-935a74a1/
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We’re kicking off this episode of Fintech Daydreaming with something special—welcoming our new editor and producer, Femi Apanishile, to the team! 🎉 But after the celebrations, it’s straight back to business with another Nordic Fintech Highlights session.
This time, things got... heated. Pål, Ville, and Janne dived into the latest fintech news, but the conversation quickly turned into a colorful rant about crypto. Here’s what made the headlines:
• Janne introduced us to the first MiCA-compliant memecoin from Swan—because apparently, regulatory-approved dog coins are a thing now.
• Ville tackled MobilePay’s decision to start charging transaction fees over €400, sparking a discussion on the future of digital payment business models and their sustainability.
• Pål dug into Lunar Bank’s move into crypto trading in Norway—cue the skepticism.
With Pål and Ville trying to inject realism to the resurgent crypto hype and Janne still on the fence, this episode delivers strong opinions, probably somewhat divisive insights, and a few fintech hot takes you won’t want to miss. Grab your favorite energy drink and have a listen—it’s a lively one!
Episode hosted by Pål Krogdahl & Ville Sointu
Episode produced and edited by Femi Apanishile
- Email us on [email protected]
- 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/
- Femi Apanishile - https://www.linkedin.com/in/femi-apanishile-935a74a1/
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In this episode of Fintech Daydreaming, Ville and Pål welcome back the one and only Leda Glyptis, PhD—advisor, speaker, and author of Beyond Resilience and Bankers Like Us. Leda brings her sharp insights and candid humor to the mic as we explore her latest book and the patterns of success (and failure) shaping the fintech industry.From debunking the myth of the "rockstar founder" to rethinking Silicon Valley's "build fast and break things" mantra, Leda challenges conventional wisdom with research-backed observations and practical advice. Among callbacks to many former guests of Fintech Daydreaming we discuss the critical importance of product-market fit, why some innovations are just "too early," and how resilience—or sisu, as Finns call it—can be balanced with the need to pivot.Tune in for a lively, thought-provoking conversation packed with stories, strategies, and plenty of wit. If you’re looking for inspiration and practical takeaways to navigate the world of fintech, look no further.- Email us on [email protected] 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/
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Welcome to 2025 and season 11 of Fintech Daydreaming! We’re back, well-caffeinated, and ready to dive into another year of fintech wonders. To kick things off, Pål, Ville, and Janne put on their trend-spotting hats and take a look at what’s buzzing in the Nordics and beyond. What’s hot? What’s not? And what might just surprise us all in 2025?Of course, it wouldn’t be Fintech Daydreaming without some juicy fintech news:Pål dives into how Enfuce and Alisa Bank are giving Finnish SMEs the plastic they deserve with a shiny new business credit card.Janne tackles Lunar Bank’s bold leap into mortgages in Sweden—because who doesn’t want a fintech twist on home loans?Ville brings us SEB Embedded’s latest play: a co-branded grocery card with Hemköp. Is this the future of shopping? We have questions.Join us for a fun, insightful, and occasionally witty look at the trends and stories shaping the Nordic fintech scene. Season 11 is here—let’s get dreaming!- Email us on [email protected] 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/
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It’s that time of the year! In our Christmas special, Pål and Ville close out season ten of Fintech Daydreaming with a heartfelt reflection on five years and ten seasons of podcasting. What keeps the passion alive after all this time? Tune in to hear the co-hosts share their thoughts on the journey so far, what they’ve learned, and why the world of fintech podcasting continues to inspire us.We also revisit the biggest fintech news and trends from the past season, offering fresh perspectives on the stories that shaped 2024. From standout themes to our favorite moments with guests, we highlight what made season ten truly special.Grab a cup of your favorite holiday beverage, sit back, and join us as we wrap up the year with gratitude, reflections, and a bit of festive cheer (or beer). Here’s to ten seasons—and many more to come!- Email us on [email protected] 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/
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In this special episode of Fintech Daydreaming recorded live in Nordea headquarters in Helsinki, we sit down with Jyrki Katainen, Head of Public Relations at Nordea Bank and former Prime Minister of Finland, to explore his transition from politics to banking and what it means to lead public affairs for one of Europe’s largest financial institutions. Jyrki shares his reflections on moving from a career in politics to the private sector, detailing how his background shapes his approach to navigating policy and public relations in a rapidly evolving financial landscape.We dive into the dynamic relationship between government policy and the financial sector, examining how banks like Nordea contribute to shaping European financial policies and the critical role they play in society today. Jyrki offers his perspective on timely issues like financial literacy and inclusion—key priorities within the EU—and what banks can do to empower communities with knowledge and access to financial services. We also discuss the balance between regulatory compliance and private-sector innovation as the EU brings forward new regulations for the financial industry.Tune in as Jyrki shares his leadership insights, lessons from his time as Prime Minister, and thoughts on the future of financial services in Europe. This episode offers a unique perspective on the evolving role of banks and the collaboration needed between the public and private sectors to drive meaningful change.- Email us on [email protected] 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/
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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 [email protected] 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/
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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 [email protected] 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/
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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 [email protected] 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/
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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 [email protected] 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/
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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 [email protected] 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/
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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 [email protected] 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/
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Fintech Daydreaming continues season ten with an anticipated comeback —welcoming back Chris Skinner, the legendary fintech thinker, for the first time in five years! Pål and Ville sit down with Chris to dive into his latest book, “Intelligent Money: When Money Thinks for You.”In true Skinner style, we’re exploring a future where money isn’t just a tool—it’s an intelligent partner, anticipating your needs before you even ask. From automating everyday transactions to revolutionizing global finance, programmable money could transform everything we know about how money moves. But can money really be programmable and how does all of this relate to what central banks are working on with their digital currency plans?We unpack all of this and the big ideas behind the book, diving into how intelligent networks and AI are reshaping finance, and why Chris believes the future lies in smarter, more personalized, and maybe even self-aware money. (Yes, the robots are eyeing your wallet—but don’t worry, it’s a good thing!)If you’re curious about the future of finance, eager to see where fintech is headed, or just want to hear Chris Skinner drop some fintech wisdom, this episode is for you. Plug in and join us as we explore the next frontier—where money doesn’t just talk, it thinks.- Email us on [email protected] 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/
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