Fintech Daydreaming

Pål Krogdahl and Ville Sointu
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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.

  1. 6月18日

    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 and misunderstood words in banking: legacy. Is it the root of all evil? Or is it actually the thing keeping the whole system standing? Erik brings a refreshingly broad perspective (and about 20 years of banking experience) to the table, drawing parallels from: Military strategy (yes, really) Aviation and safety culture And the everyday reality of running a bank with systems older than some of its employees We explore: Why “legacy” isn’t just bad code, but the situation you’re in because of your history How banks might be underinvesting in understanding their current state (while overinvesting in PowerPoint futures) Whether AI is actually solving legacy problems… or just becoming the latest shiny object And why improving your existing systems by 3% might matter more than launching the next flashy use case Naturally, things got slightly heated towards the end as we debated what matters more: 👉 defining the target state 👉 or truly understanding where you are today (No clear winner. Just strong opinions. As usual.) Also: We recorded this before summer You’re listening to it now And we still don’t know how that keeps happening 🎧 If you’ve ever worked in banking, fintech or tried to modernize anything without breaking everything this one’s for you. 💬 Let us know: is legacy your biggest constraint or your biggest advantage Episode hosted by Pål Krogdahl & Ville Sointu Episode produced and edited by Fintech Daydreaming - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - 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/

    49分

  2. 6月4日

    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, Pål and Ville manage not to trip over the stage wires while unpacking a massive lineup of regional heavyweights, policy debates, and our usual tech realism. Here is what went down on the main stage: **The Stablecoin Side-Eye: We kick off the show by breaking down the latest news on Qivalis and their recent expansion. If you’ve listened to more than two minutes of this podcast, you already know we aren't exactly waving pom-poms for stablecoins. Naturally, the segment ends with a painfully bad stablecoin joke—because if we have to suffer through the punchline, so do you. **Helsinki: Gateway to the Eurozone: Next, we host a brilliant fireside chat with Tuomas Toivonen (CEO of Holvi) and longtime friend of the pod Monika Liikamaa (Founder & Chair of Liikamaa Invest, and former CEO of Enfuce). Together, we dive deep into why Helsinki is uniquely positioned as the ultimate Nordic gateway to the Eurozone. We even managed to stay on track without getting distracted by the front-row audience. **The Core Modernization Conundrum: Lastly, we sit down with Fabian Klar (Regional Sales Manager at ERI) to tackle the technological future of banking. We look past the standard marketing buzzwords to discuss what the next decade actually means from a data architecture and core modernization perspective. (Spoiler: It involves a lot of hard work and fewer magic bullets than consultants claim). A massive thank you to everyone who showed up early, sat through our ramblings, and clapped at the right times! If you weren't there in person, you can still show us some love: hit subscribe, ring the notification bell, and leave us a glowing 5-star review. If you have notes on our stage presence, please keep them to yourself or find us at the afterparty to complain in person! Episode hosted by Pål Krogdahl & Ville Sointu Episode produced and edited by Fintech Daydreaming - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - 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/

    41分

  3. 5月21日

    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 famous S-bonus, and launched just in time for the 2008 financial crisis (great timing, obviously). Fast forward 18 years, and it’s now one of Finland’s fastest-growing banks with 3.4 million customers. We get into: .- Why building a bank on top of a loyalty program actually works .- The reality of being a “challenger” bank… with full regulatory baggage .- The Handelsbanken Finland acquisition and what it unlocked .- And how S-Pankki is quietly moving into wealth management and private banking Which raises the obvious question: can a “bonus bank” really win over high-net-worth clients? That leads us into: .- Whether S-Pankki is Finland’s closest thing to a super app .- Why combining banking, retail, and daily life might actually work here (and nowhere else) .- And what happens when your future bank might be talking to your AI instead of you Along the way, we also learn: .- That your importance as a banking customer can be measured by the thickness of the oak table in front of you .- That private banking might be less about fancy offices and more about smart digital advice .- And that worrying about “long answers” is… not a problem on this podcast If you’ve ever wondered what happens when a loyalty program meets banking ambition, this is the episode for you. Listen now - and don’t forget to check your bonus balance. Episode hosted by Pål Krogdahl & Ville Sointu Episode produced and edited by Fintech Daydreaming - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - 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/

    47分

  4. 5月8日

    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 we covered: The Agentic Economy: Pål highlights SolvaPay, a Swedish fintech that just secured 2.5 million in pre-seed funding to build payment infrastructure for AI agents. As payments shift from humans to machines, we ask the tough liability questions: if your AI agent is tasked to buy 12 eggs but buys 12 chickens instead, whose fault is it? Revolut vs. The Dinosaurs: Janne brings us the news of NoCFO integrating with Revolut Business. Pål gets characteristically bullish, calling this another "nail in the coffin" for traditional Nordic banks, warning that they are entirely too arrogant to notice Revolut slowly chewing away at their market share. Swedbank Pay & Klarna: Ville covers Swedbank Pay adding Klarna's payment options. He attempts to explain why this isn't Swedbank raising the white flag to a competitor, but rather a strategic play to maintain merchant stickiness against global giants. The Bluetooth Battle: Janne delivers a genuinely terrible joke about a payment terminal visiting the dentist because it "blew a tooth". This triggers a historically inaccurate ramble from Ville, forcing Pål to consult ChatGPT mid-episode just to prove that Ericsson and a 10th-century Danish king were involved. Come watch us live on stage at the Nordic Fintech Summit in Helsinki on May 21st, where we will be kicking off the day with a live recording! Also, look out for Pål’s new book on progressive modernisation, Rip Out the Core, dropping in late July. Episode hosted by Pål Krogdahl, Ville Sointu & Janne Salminen Episode produced and edited by Fintech Daydreaming - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - 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/

    48分

  5. 4月23日

    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 where all great fintech podcasts begin: with bad jokes (courtesy of AI, no less), and a host who may or may not be running on too much travel and too little sleep. Baard takes us through the origin story of Vipps MobilePay featuring real-time competitive panic, strategic acquisitions, and the realization that maybe having three identical payment apps in a region of 27 million people isn’t a long-term strategy. Who knew? From there, we dive into: .- What a “wallet” actually means (spoiler: it’s not just a pretty UI on top of your bank account) .- How Vipps MobilePay ended up with 12.5 million users across the Nordics .- The surprisingly brutal reality of merging two platforms (hint: stop doing “fun stuff” for a year) .- Why Danes thought that the new app was worse and why that might just be human nature .- The economics of payments (or lack thereof), including why tapping your phone isn’t exactly a goldmine in itself We also get into the juicy stuff: .- NFC and the battle with Apple (and how Vipps became the first to break into iPhone tap-to-pay outside Apple Wallet) .- Why they’re not trying to convert Apple Pay users but instead going after your mom who still taps plastic .- The subtle art of turning a payments app into something closer to a “lifestyle platform” (super app, but we’re not calling it that… yet) And of course, no Fintech Daydreaming episode would be complete without: .- A deeply philosophical discussion on whether the digital euro is a “solution looking for a problem” or a “problem looking for a solution” .- A buffet of topics we didn’t have time for (interoperability, we’re coming back for you) Oh - and the jokes. They’re bad. Impressively bad. Almost… on brand. Episode hosted by Pål Krogdahl & Ville Sointu Episode produced and edited by Fintech Daydreaming - Email us on Hello@FintechDaydreaming.com - Fintech Daydreaming home page - https://www.FintechDaydreaming.com - 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/

    54分

  6. 4月10日

    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 hype Janne 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 up Meanwhile, 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 Sweden Finally, 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 else If 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 Salminen Episode produced and edited by 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/

    45分

  7. 3月27日

    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 into a deeper look at how banks actually get things done behind the scenes: from navigating legacy systems and regulatory expectations to balancing cost, control, and innovation without breaking everything in the process. Markus shares: .- Why procurement in banking is far more strategic than most people think .- How vendor ecosystems shape what banks can (and can’t) build .- The real-world tension between innovation ambitions and procurement realities .- Why “just buy the best solution” is rarely that simple .- Why AI bots are not going to handle all sides of procurement anytime soon (if ever) in banking. Naturally, Pål and Ville do their part by poking at the usual pressure points of speed vs control, build vs buy, and whether procurement is enabling innovation or politely slowing it down for everyone’s safety. Somewhere along the way, it becomes clear that while fintech loves to talk about disruption, someone still has to sign the contracts, manage the risks, and make sure the whole thing doesn’t collapse under its own enthusiasm. As it turns out, procurement isn’t boring; it’s a fascinating topic hiding in plain sight. Episode hosted by Pål Krogdahl & Ville Sointu Episode produced and edited by 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/

    51分

  8. 3月13日

    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: automation is moving fast, but reality is still catching up. On the agenda: Janne: Lunar x Wolt.Banking perks meet delivery platforms as Lunar partners with Wolt across the Nordics. Beneath the lifestyle angle sits a bigger question: when financial services blend into daily apps, who owns the customer relationship and what happens when AI starts orchestrating those ecosystems behind the scenes Pål: Swedbank AML probe.Sweden’s FSA takes a closer look at Swedbank’s AML compliance, reminding everyone that while AI promises smarter monitoring and better detection, financial crime still evolves faster than most dashboards. Regulation remains stubbornly human, even as the tooling gets smarter. Ville: Basware’s AI agents.Enterprise finance steps into the age of autonomous assistance, as Basware introduces AI agents into procurement and financial workflows. The discussion turns to what happens when machines stop just analysing data and start taking action and whether back-office functions are quietly becoming the most AI-disrupted part of finance. Along the way, we touch on AI as infrastructure rather than headline feature, the tension between automation and accountability, and the growing sense that fintech’s next battleground may be operational intelligence rather than customer-facing flash. Smart systems, messy reality: business as usual in fintech. Episode hosted by Pål Krogdahl, Ville Sointu & Janne Salminen Episode produced and edited by 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/

    44分
すべて見る（139）

番組について

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.

情報

  • クリエイター
    Pål Krogdahl and Ville Sointu
  • 配信期間
    20年 - 26年
  • エピソード
    139
  • 制限指定
    不適切な内容を含む
  • Copyright
    © Pål Krogdahl and Ville Sointu
  • 番組のWebサイト
    Fintech Daydreaming

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