16 episodes

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.

Fintech Daydreaming Pål Krogdahl & Ville Sointu

    • Tech News

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.

    Moving forth in financial services: Bank 4.0, Industry 4.0 and the fourth industrial revolution

    Moving forth in financial services: Bank 4.0, Industry 4.0 and the fourth industrial revolution

    Pål Krogdahl and Ville Sointu are back for season three of Fintech Daydreaming and got off to a great start with our first guest of the season, Johan Hörmark, who is working with strategic business development at SEB's wholesale banking division.

    Tune in to check out the new format, and to learn about how banks navigate the future machine economy and how a cargo train almost stopped the fourth industrial revolution (!).

    Guest: Johan Hörmark (https://www.linkedin.com/in/johanho/)

    Links mentioned in the episode:
    https://combient.com/post/on-the-edge
    https://productive40.eu
    https://www.businessinsider.com/whatsapp-forcing-users-to-share-personal-data-facebook-elon-musk-2021-1?r=US&IR=T



    - 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/

    • 34 min
    Dreaming of a white Christmas

    Dreaming of a white Christmas

    Year 2020 is coming to a close and it’s time for the season two finale of Fintech Daydreaming.

    in this episode Pål Krogdahl and Ville Sointu sit down in their brand new studio with some Christmas themed beverages and take a look back at past episodes and the journey of how the show has evolved during the year.

    We would like to warm heartedly thank all our loyal listeners and the fantastic guests we have had during 2020 for season 1 and 2 of the podcast:

    S01:E01 - Hello with Pål and Ville
    S01:E02 - David Grundy / Danske Bank
    S01:E03 - Tom Bentley / Thought Machine
    S01:E04 - Sami Honkonen / DIAS & Tomorrow Tech
    S01:E05 - Janne Salminen / Fintech Farm


    S02:E01 - Olaf Ransome / Independent (former USC)
    S02:E02 - Jack Nikogosian / Aryze
    S02:E03 - Elina Mattila / Mobey Forum
    S02:E04 - Ewan Macleod / Sohar International
    S02:E05 - Howard Boville / IBM
    S02:E06 - Rasmus Thomsen / Flowtale
    S02:E07 - LIVE with Johanna Lybeck Lilja / Nordea
    S02:E08 - Ian Kerr / Episode Six
    S02:E09 - Keir Finlow-Bates



    We here at Fintech Daydreaming would like to wish you all a fantastic Christmas and a Happy New Year!

    If you want to give us a Christmas present, then please help us grow on YouTube by smashing the like button and subscribing to our channel.

    Join us again in January for season three!



    - 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/

    • 33 min
    Blockchain Daydreaming

    Blockchain Daydreaming

    In this episode Pål Krogdahl and Ville Sointu talked to Dr. Keir Finlow-Bates, who is a researcher, author and a real life inventor with a portfolio of patents to his name.

    The lineup for this one was two thirds Brits living in Finland, which obviously meant we got to talk about the weather a lot but also covered everything from Bitcoin to Ethereum to DeFI and even a bit about central bank digital currencies.

    Guest: Keir Finlow-Bates (https://www.linkedin.com/in/keirf/)


    Links mentioned in the episode:
    https://www.thinklair.com
    https://www.coindesk.com/defi-protocol-pickle-finance-token-loses-almost-half-its-value-after-19-7m-hack



    - 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/

    • 46 min
    Another episode(6) in cloud native core banking

    Another episode(6) in cloud native core banking

    Episode eight with Episode Six!

    Everything from the myth of programmable money to trying to recall quotes from Jack Ma and Bill Gates were on the agenda when Pål Krogdahl and Ville Sointu were joined by Ian Kerr, who is the Regional Director, EMEA at Episode Six (https://episodesix.com).

    Guest: Ian Keer, Regional Director, EMEA, Episode Six
    (https://www.linkedin.com/in/ianmkerr/)



    - 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/

    • 31 min
    LIVE episode! To CBDC or not to CBDC, what was the question?

    LIVE episode! To CBDC or not to CBDC, what was the question?

    In this special episode of Fintech Daydreaming we were recording with a live audience for the very first time in our show's short history. To add to the excitement our fantastic guest Johanna Lybeck from Nordea gave us an economist perspective into central bank digital currencies and more.

    Did our hosts, Pål Krogdahl and Ville Sointu make it out of the live recording without major injuries? Did the audience in virtual attendance react to the attempted abysmal banking humor? All this and more in this week's episode.

    Guest: Johanna Lybeck, Executive Advisor, Nordea
    (https://www.linkedin.com/in/johanna-lybeck-lilja-09300428/)

    Links mentioned in the episode:
    - Avant Cash, the 90s era central bank digital currency: https://davidgerard.co.uk/blockchain/2020/01/25/avant-card-a-central-bank-digital-currency-from-1990s-finland/
    - The Digital Euro paper by ECB: https://www.ecb.europa.eu/euro/html/digitaleuro.en.html
    - European Commission proposal for crypto asset regulation (MiCA): https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:52020PC0593



    - 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/

    • 31 min
    Data flows and predictable outcomes - making sense of AI in banking

    Data flows and predictable outcomes - making sense of AI in banking

    We are back with episode six of season two of Fintech Daydreaming!

    For this chapter in the Fintech Daydreaming saga Pål Krogdahl and Ville Sointu were joined by Rasmus Thomsen from Flowtale, a Danish tech startup focusing on data insights and predictive analytics.

    Could we have created an algorithm to predict all the fun things we learned from Rasmus? Probably not. At least not the parts related to controlled detonation of IoT devices. If that didn't make any sense to you at all there's really no option but to listen to this week's episode 💥

    Guest:


    Rasmus Thomsen, Partner, Flowtale (https://www.linkedin.com/in/rasmushanbergthomsen and https://flowtale.ai)

    Do you have a great banking related joke to share? ping us on LinkedIn or Twitter with the joke and we will read it out in a future episode and give you a shout out at the same time...


    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/

    • 38 min

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