PODCAST · news
Fintech Daydreaming
by Pål Krogdahl and Ville Sointu
Between digital native customers demanding instant gratification and the ever increasing amount of regulation, financial institutions are between a rock and a hard place.The era of the fintech started after the 2008 financial crisis, challenging the status quo. More than a decade later banks haven’t gone anywhere, yet fintech is more relevant than ever.What happened with all the fintech hopes and dreams?In this podcast Pål Krogdahl & Ville Sointu pick one topic in every episode and try to look at it through the lens of fintech disruption - or lack thereof.This is Fintech Daydreaming.
Episodes
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The Duct Tape Ultimatum with Olaf Ransome and Liz Oakes (Recorded live at PostTrade 360)
Welcome to a special live edition of Fintech Daydreaming recorded live from the PostTrade360 conference stage in Stockholm! For this unique session the usual dynamic is completely inverted. Olaf Ransome steps into the host chair while Ville and Pål take the guest seats. They are joined by Liz…
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The Cloud, The Branch, and The Algorithm | Nordic Fintech Highlights August 2026
Welcome back to another edition of Nordic FinTech Highlights! This month, Pål and Janne are joined by a heavily jet-lagged Ville, who is battling through Zoom technical gremlins after an eight-day trip to the US West Coast. Fresh off a stateside marathon of exceptional progressive house and…
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Do AI Agents Dream of Electric Bank Accounts? with Rolf Jensen from Lunar
Here at Fintech Daydreaming, we pride ourselves on the unedited, "live" feel of our recordings. Over the years, our listeners have been treated to everything from a hotel maid walking in on Ville, to New York police sirens, to Ville's automatic hydroponic garden sounding suspiciously like someone...
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Nordic Fintech Week Special: We're Gonna Need a Bigger Podcast
We are gearing up for Nordic Fintech Week with an exclusive, jam packed two guest episode! Ville and Pål sit down with two heavyweights of the European financial technology space to discuss everything from building challenger banks to the impending robot takeover. One thing we learned at least…
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Digital Euro Pilots Take Off, Doomsday Banks & Finnish M&A | Nordic Fintech Highlights July 2026
July in the Nordics usually consists of out-of-office autoreplies and mosquito bites, but while we were all on vacation, the European Central Bank was busy clearing the table. Pål and Ville are back to the microphones alongside the ever-insightful Janne Salminen from Helsinki Fintech Farm, to...
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Rip Out the Core, or How We Learned to Stop Worrying and Build a Better Bank (Not Just a Better IT System)
We have somehow survived long enough to make it to Season 14, and to kick things off, Ville is putting his co-host Pål in the hot seat. Pål actually went and published a brand new book, Rip Out the Core, proving that at least one half of this podcast is capable of being productive. We start the...
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That's a wrap on Season 13 | Nordic Fintech Highlights Summer 2026
Your favorite fintech nerd hosts Pål Krogdahl and Ville Sointu are joined by Janne Salminen from Helsinki Fintech Farm to close out the season before heading off to their summer holidays. We skipped the standard news roundup this time to reflect on the season, make some bold predictions, and let...
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Legacy, Drones and Banking with Erik Åkesson
We finally did it. We recorded an episode about legacy and somehow ended up discussing drones, artillery, aviation safety culture, and why bankers apparently don’t need pockets in their suits. In this episode of Fintech Daydreaming, we’re joined by Erik Åkesson to unpack one of the most overused...
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Live from the Nordic Fintech Summit | Nordic Fintech Highlights May 2026
We are out of the studio, trying our best to look respectable, and recording live in front of a real, breathing audience at the Nordic Fintech Summit right here in Helsinki! If you hear cheering, it’s probably for the free coffee, but we’ll pretend it’s for us. In this special live-stage episode,...
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The Thinner the Table, the Smarter the Bank with Riikka Laine-Tolonen from S-Pankki
In this episode of Fintech Daydreaming, Ville and Pål are joined by Riikka Laine-Tolonen, CEO of S-Pankki: a bank that started from grocery shopping and somehow ended up managing billions. Riikka walks us through the origin story of S-Pankki - born from a retail cooperative, supercharged by the...
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AI Agents, Bank Dinosaurs and Bluetooth Teeth | Nordic Fintech Highlights April 2026
Welcome back to another monthly Nordic Fintech Highlights episode of Fintech Daydreaming! In this one, your hosts start off by complaining about what a slow news month it was—only to be immediately corrected by Janne, who points out that April was actually buzzing with funding rounds. Here’s what...
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Tap, Merge, Repeat! with Baard Slaattelid from Vipps MobilePay
In this episode of Fintech Daydreaming, Ville and Pål are joined by Baard Slaattelid from Vipps MobilePay - a man who casually drops phrases like “closed-loop wallet,” “payment potato,” and “we accidentally enabled cross-border in five minutes” like it’s just another Tuesday in payments. We start...
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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...
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One Does Not Simply... Buy from Fintechs with Markus Niemi-Nikkola, Chief Procurement Officer, Savings Bank
In this episode, Pål and Ville sit down with Markus Niemi-Nikkola, Chief Procurement Officer at Savings Bank and quickly realise that procurement might be one of the most misunderstood (and critical) functions in banking. What starts as a conversation about sourcing and vendor management turns…
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AI Everywhere, AML Under the Microscope & Banking That Delivers (Literally) | Nordic Fintech Highlights February 2026
Another month, another set of headlines quietly orbiting the same big question: Where does AI actually change the game and where does it just sit on top of old problems? In this Nordic Fintech Highlights episode, Ville, Pål and Janne connect three very different stories through a familiar thread:...
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APIs, Grit and the Finnish Founder Mindset with Joonas Tomperi from Enable Banking
In this episode, Pål and Ville sit down with Joonas Tomperi, CEO and co-founder of Enable Banking — and quickly realise this is less about APIs and more about mindset. Yes, we talk open banking. Yes, PSD2 makes an appearance. But the real story is what it takes to build a fintech in a heavily...
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Klarna Moves Money, Lunar Loads the War Chest, Loomis Rewires the POS | Nordic Fintech Highlights January 2026
January may have looked quiet on the surface, but the Nordic fintech engine was very much running. In this Nordic Fintech Highlights episode, Ville, Pål and Janne unpack what actually mattered beneath the seasonal slowdown — where peer-to-peer payments, SME banking, and the future of merchant...
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Stablecoins, CBDCs, and Finland’s 1990s Warning Shot with Aleksi Grym
We’re back in central-bank territory with Aleksi Grym from the Bank of Finland, and once again manage to turn a perfectly sensible conversation into a deep dive on money, payments, and why nothing in this space is ever as straightforward as it sounds. Starting with what central banks actually do...
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Welcome 2026 with Nordic Fintech Highlights | Nordic Fintech Highlights December 2025
New year, new season, same format. Ville, Janne, and Pål are back with Nordic Fintech Highlights, opening the season by unpacking three stories that quietly say a lot about where Nordic and European fintech are heading. Ville starts with the ECB hiring up for the digital euro project, bringing in...
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Live from Nordic Banking Forum 2025
A Full House of Bank CEOs (and One Central Banker) We took Fintech Daydreaming on the road to the Nordic Banking Forum in Helsinki, and somehow ended up interviewing more CEOs in one day than we usually see in a year. In this special episode, Pål, Ville — and Janne, once we caught him mid–event...
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Aristotle Walks Into a Bank with Rik Coeckelbergs
In this episode, Pål and Ville sit down with Rik Coeckelbergs, founder of The Banking Scene and author of Ethos in Banking, for a surprisingly philosophical conversation. Yes, this is the first Fintech Daydreaming episode where we willingly tumble down an Aristotle-themed rabbit hole. Rik’s book...
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AI Everywhere, Crypto Creeping Back, & Klarna Being Klarna | Nordic Fintech Highlights October 2025
October brought AI hype, digital euro déjà vu, and the shocking return of crypto — which means it was just another totally normal month in Nordic fintech. Pål, Ville, and Janne reunite to unpack the biggest stories from the Helsinki Fintech Farm newsletter. Spoiler: every startup is now an AI...
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Stablecoins, Africa, and a Locked Door with Hyung-Gon Paul Yoo
This week, Ville and Pål are joined (once again) by Paul Yoo, CEO of Sukaa, who beamed in live from New York to talk about his newest venture — and somehow turned what was supposed to be a fintech chat into a masterclass on why Africa might just leapfrog the rest of us in digital finance. Paul...
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The One We Forgot to Record (Twice) | Nordic Fintech Highlights September 2025
In what might be our most meta episode yet, Pål, Ville, and Janne sat down to unpack the biggest Nordic fintech stories of September — only to realize halfway through that we’d forgotten to hit record. So yes, this episode is technically the sequel to the lost masterpiece that no one will ever...
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Live in Copenhagen from Nordic Fintech Week
This year Pål and Ville set up shop in the official backstage of the event venue – meaning our little “studio” has probably seen more rock stars, comedians, and magicians than fintech podcasters. But for two days, it was home to us… and the now famous podcast couch. On that couch we hosted a…
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Emergency Episode - Nine Banks, One Stablecoin, Zero Chill
Forget the usual schedule — Ville and Pål hit the big red button and jumped on the mics less than 24 hours after nine European banks dropped their bombshell: a MiCA-compliant euro stablecoin. Fresh off a late flight from Copenhagen (and still running on coffee and questionable airport snacks), we...
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Where did all the FinTech action Go? | Nordic Fintech Highlights August 2025
August in Nordic fintech felt like a Christopher Nolan script: confusing, overlong, occasionally brilliant. Coop Norge’s core banking migration, Visma’s latest acquisitions, and Swedbank buying out Barclays in Entercard all unfolded like plot points you only understand after the credits roll. We...
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From Hygge to Hype on The Road to Nordic Fintech Week
We’re going to Copenhagen! Fintech Daydreaming is an official podcasting partner of the Nordic Fintech Week, and to kick things off Ville and Pål are joined in this pre-event episode by David Grundy (COO, Copenhagen Fintech) and Marie Louise Roth (Head of Partnerships, Copenhagen Fintech) for a...
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Nordic Fintech did not get the Holiday Memo! | Nordic Fintech Highlights July 2025
In this Nordic Fintech Highlights episode, Ville, Pål, and Janne trade beach stories for headlines as we unpack a surprisingly busy July and August. On the menu: Nordic banks snapping up fintechs like they’re on summer sale, Zimpler’s shiny new ID+ passkey (is it the future or just another…
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Hype, Hope, or the Spotify of Money with Tony McLaughlin
Season 12 blasts off with Tony McLaughlin – payments visionary, fintech provocateur, and freshly minted CEO of Ubyx.We go deep on stablecoins as the next general-purpose technology, why the legal wrapper matters more than the code, and how the industry’s plumbing – clearing, settlement, trust –...
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Sandbanks, Stablecoins & Summer Breaks
In this laid-back wrap-up to the season, Ville and Pål ditch the guests and go full retrospective—sharing their favorite episodes, personal fintech frustrations, and just how close we are to needing a crank-powered POS terminal.🎙️ Highlights include:🏆 Top guest moments: from Brett King to…
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The Summer Fintech Slowdown | Nordic Fintech Highlights May 2025
Sun’s out, fines out! In this sizzling episode of Fintech Daydreaming and Helsinki Fintech Farm Nordic Fintech Highlights, Ville, Janne, and Pål serve up a refreshing mix of Nordic fintech news—with a splash of sarcasm and a shot of hydration advice.💳 Enfuce declares war on fraud with its bold...
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Live from Nordic Fintech Summit 2025 – Buzzwords, Bankers & Banter
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...
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Nordic Fintech + Coachella, what a rave! | Nordic Fintech Highlights April 2025
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…
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Deep Dive into Alisa Bank's Big Ambitions with Sampsa Laine
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...
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Offline Payments and Online Banter | Nordic Fintech Highlights March 2025
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…
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Fintech Daydreaming x Breaking Banks = The Crossover You Never Knew You Needed!
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…
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The (Digital) Receipt for Success with Chris Moore
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...
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Is Banking as a Service Dead? | Nordic Fintech Highlights February 2025
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...
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Live from Stockholm Fintech Week 2025
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...
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Are we going Crypto Crazy again? | Nordic Fintech Highlights January 2025
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,...
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Beyond Resilience with Leda Glyptis
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...
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New Year, Same Tricks | Nordic Fintech Highlights December 2024
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…
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Christmas special: Wrapping up season ten
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…
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From Policy to Banking with Jyrki Katainen
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…
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Cracking the Compliance Code for Fintech with Eva-Lotta Hokkonen
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...
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AI Assistants, Top 20 Lists, and Tap to Pay! | Nordic Fintech Highlights October 2024
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...
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Gender, Wealth, and the Aila Money Revolution with Elisabeth Prager
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...
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Cash, Crashes, and Callbacks | Nordic Fintech Highlights September 2024
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…
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Everything Embedded with Jani Ristimäki
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...
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ABOUT THIS SHOW
Between digital native customers demanding instant gratification and the ever increasing amount of regulation, financial institutions are between a rock and a hard place.The era of the fintech started after the 2008 financial crisis, challenging the status quo. More than a decade later banks haven’t gone anywhere, yet fintech is more relevant than ever.What happened with all the fintech hopes and dreams?In this podcast Pål Krogdahl & Ville Sointu pick one topic in every episode and try to look at it through the lens of fintech disruption - or lack thereof.This is Fintech Daydreaming.
HOSTED BY
Pål Krogdahl and Ville Sointu
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Frequently Asked Questions
How many episodes does Fintech Daydreaming have?
Fintech Daydreaming currently has 146 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Fintech Daydreaming about?
Between digital native customers demanding instant gratification and the ever increasing amount of regulation, financial institutions are between a rock and a hard place.The era of the fintech started after the 2008 financial crisis, challenging the status quo. More than a decade later banks...
How often does Fintech Daydreaming release new episodes?
Fintech Daydreaming publishes regularly with 146 episodes available. Check the episode list for the typical release schedule.
Where can I listen to Fintech Daydreaming?
You can listen to Fintech Daydreaming on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Fintech Daydreaming?
Fintech Daydreaming is created and hosted by Pål Krogdahl and Ville Sointu.
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