Buy Now, Panic Later, The Embedded B2B Edition | Nordic Fintech Highlights March 2026

In this episode of Fintech Daydreaming, Ville, Pål, and Janne are back with another round of Nordic Fintech Highlights—recorded somewhere between back-to-back meetings, holiday travel plans, and at least one log cabin in the Finnish wilderness (buffering included).From there, we dive into what actually happened in Nordic fintech last month:Modest funding rounds, ongoing consolidation, and the quiet realization that scale still wins.And a quick detour into Revolut casually printing profits and eyeing the Nordics like it’s their next hobby.Then we get into the real meat:Ville brings a story that sounds boring… until it isn’t:.- DNB launching Buy Now Pay Later for businesses (yes, really).- 30-second onboarding, AI-powered credit decisions, and the ability to delay payments without paying interest..- Or, as Pål puts it: “a new and exciting way to bankrupt companies”Which leads to a surprisingly deep debate:.- Is BNPL actually useful for SMEs or just consumer debt in a suit?.- Are we solving cash flow problems or just moving them 90 days forward?.- And how this looks suspiciously like trade finance without the blockchain and the hypeJanne then doubles down on SME finance with:.- The rise of accounting platforms turning into neobanks.- Embedded finance quietly eating the value chain.- And the slightly uncomfortable truth that traditional banks are still barely showing upMeanwhile, somewhere in the background:.- French IBANs are powering Finnish businesses.- Local quirks are quietly breaking global fintech expansion strategies.- And Revolut might still have to learn that Finland is… not SwedenFinally, Pål brings it home with:.- Wolt entering the employee benefits game.- Taking on Epassi with zero merchant fees (at least for now).- And proving, once again, that every fintech eventually becomes a payments company and every payments company eventually wants to be everything elseIf you enjoy fintech analysis with a side of sarcasm, mild existential dread about business models, and the occasional log cabin Wi-Fi issue this one’s for you.Episode hosted by Pål Krogdahl, Ville Sointu & Janne SalminenEpisode produced and edited by Fintech Daydreaming- 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/