A refreshing podcast by Pål Krogdahl & Ville Sointu looking at Fintech & Banking Technology

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.

PAST EPISODES ON 

A refreshing podcast by Pål Krogdahl & Ville Sointu looking at Fintech & Banking Technology

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.

PAST EPISODES ON 

Fintech Daydreaming with Fintech Farm

Fintech Daydreaming, and Fintech Farm Helsinki, the Nordic fintech hub, have joined forces. Through this alliance, Fintech Daydreaming is the official podcast partner of Fintech Farm. Both organisations will collaboratively produce a monthly podcast episode focused on Nordic Fintech Highlights, Fintech Farm’s updated monthly industry review.  This partnership will not only enhance the content on our platform but will also offer our audience an in-depth look into the pulse of Nordic fintech innovation. Read more here

Don’t miss our bi-weekly episodes. 

 

Subscribe to our YouTube channel or podcast channel and get notified when we publish new episodes.

Don’t miss our bi-weekly episodes. 


Subscribe to our YouTube channel or podcast channel and get notified when we publish new episodes.

Meet our hosts

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Bringing a thought provoking perspective on banking and the global Fintech landscape the Fintech Daydreaming hosts are a great addition to any corporate event. We will set up to deliver a live episode of the poddcast as part of your agenda. Reach out to us for additional details and availability.

Recent Fintech Daydreaming Episodes

Recent Fintech Daydreaming Episodes

Nordic Fintech Highlights, March 2024: When Bankers Get Creative

Strap in for a whirlwind tour of fintech's latest Nordic novelties in another riveting episode of Fintech Daydreaming. In this month’s edition of Nordic Fintech Highlights, our fearless trio Pål, Ville, and Janne don their explorer hats to dissect a smorgasbord of financial innovation that's as diverse as a Nordic buffet—and just as intriguing.

 

First up, Pål dives into the tech-marriage of the century between Neonomics and Bislab, heralding the dawn of the next generation of embedded finance offerings. It's the kind of partnership that makes you wonder if finance is getting too cozy with tech, or if they're just moving in together for the tax benefits.

 

Janne then shifts gears to something that sounds like a plot twist in a Scandinavian noir—IKEA's financial arm, Ingka Investments, swooping in to take full control of Ikano Bank. Yes, you heard it right: the same folks who've mastered the art of flat-pack furniture are now assembling their financial services empire. Brace yourself for savings accounts with names you can't pronounce and interest rates as complex as their assembly instructions.

 

Ville rounds off the discussion with a tale of German innovation as N26 rolls out instant savings accounts across 13 new markets. Because when it comes to banking, nothing says "innovation" quite like being able to stash away money with the same ease as ordering a Bratwurst in Berlin.

 

Join us as we navigate through these financial fjords, armed with nothing but wit and a healthy dose of skepticism. Whether you're a fintech aficionado, a banking guru, or just someone who enjoys a good financial frolic, this episode of Fintech Daydreaming promises insights, laughs, and perhaps a sudden urge to invest in a Billy bookcase.

 

Tune in, and let's decode whether these fintech developments are the northern lights of innovation or just the headlights of an oncoming regulation reindeer. Either way, it's going to be a fascinating ride.

 

Finally, we’d like to do a post recording CORRECTION to the segment where we cover the N26 story: While Revolut flexible accounts don’t have the traditional deposit insurance of a regular savings account, they do have a private investment insurance that covers the account balances up to a limit. Please refer to terms and conditions of the products and services in question for accurate information. We apologise for this oversight in the recording.

S09:E06 - Navigating the EU's Blockchain Policy Maze with Erwin Voloder

Get ready to dive headfirst into the blockchain rabbit hole with the latest episode of "Fintech Daydreaming," where the waters are murky, the regulations tangled, and the future as clear as mud. This time around, Pål and Ville are joined by none other than Erwin Voloder, who is the Head of Policy at the European Blockchain Association. EU's labyrinthine policy developments are a tall order for anyone, but who better to guide as through it all than someone with "policy" literally in his title?

 

Together, they embark on a thrilling (and slightly dizzying) journey through the ever-evolving world of blockchain technologies and digital currencies within the EU. The conversation kicks off with the kind of policy and regulation chit-chat that could make even a seasoned bureaucrat's head spin. From the cryptic depths of blockchain regulation to the looming specter of the Digital Euro project, no stone is left unturned.

 

Then, because why stop at confusing, our intrepid hosts delve into the murky waters of private versus public digital currencies. Spoiler alert: predicting the future of digital currencies based on today's information is like trying to solve a Rubik's Cube blindfolded—in a hurricane.

 

But fear not, dear listener! Despite the convoluted subject matter, our hosts and their esteemed guest manage to inject a healthy dose of clear examples and perhaps a smidge of enlightenment into the discussion. If you've ever found yourself lying awake at night, pondering the fate of digital currencies or the EU's blockchain policy (and really, who hasn't?), this episode is like a lullaby sung by a choir of fintech angels.

 

So, tune in, buckle up, and prepare to be mildly bemused, moderately enlightened, and thoroughly entertained as "Fintech Daydreaming" tackles the EU's blockchain and digital currency conundrum. It's going to be a wild ride, with more twists and turns than a blockchain ledger.

Nordic Fintech Highlights, February 2024: Card payments and cloud core - game on or game over?

Strap in for a fintech merry-go-round with the Fintech Daydreaming squad, where the latest episode cuts through the February frost with hot takes that could melt even the iciest Nordic winter. Janne, Pål, and Ville are at it again, dissecting the month's juiciest fintech drama from the comfort of their virtual studio.

 

First, Pål waxes poetic about TUUM's latest cash infusion. Because, apparently, what the world needs is yet another cloud banking platform to save us from the tyranny of traditional banking.

 

Then, Janne gushes over Saxo Bank cozying up to MasterCard like it's the fintech version of a royal wedding. Open banking payments for investment accounts? Groundbreaking, if you've been living under a rock for the past five years.

 

Ville can't resist joining the hype train, flaunting Enfuce's shiny new e-money license in the UK. Move over, Beatles and fish & chips—there's a new British invasion in town, and it's all about cards - from Finland.

 

All this boils down to a no-holds-barred brawl over the fate of physical payment cards. Are they destined for the museum, or is there life in the old dog yet? Opinions fly faster than unfriended credit cards, and consensus is as elusive as a fee-free ATM. If you love your fintech news served with a side of dry Nordic humor and aren't afraid of a little debate, this episode is your spirit animal. Tune in to witness our hosts joust over whether fintech's future is "game on" or "game over" for the humble payment card. Spoiler alert: They agree on nothing.

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S09:E04 - How to sell to the banks with Ewan MacLeod

Strap in, fintech enthusiasts! This episode of "Fintech Daydreaming" is tailored for every fintech startup wrestling with the age-old dilemma: How do we sell to banks? Whether it's peddling services, cutting-edge technology, or simply trying to get banks to sign you up as a customer, navigating the labyrinth to the decision-makers' hearts (and wallets) in banks is no small feat.

 

Join your favorite fintech whisperers, Pål Krogdahl and Ville Sointu, as they tackle this behemoth of a question head-on. And who better to guide us through this maze than our good friend and Ville’s former colleague, Ewan MacLeod? Ewan brings to the table a treasure trove of insights, drawing from his rich experience on both sides of the fintech-banking divide.

 

In this heart-to-heart, Ewan spills the beans on what really gets a bank's attention, the do's and don'ts of fintech pitches, and how to align your shiny fintech solution with the banks' often elusive needs. Expect stories from the trenches, laughter at the absurdities, and, most importantly, actionable wisdom that could very well be the Rosetta Stone for fintechs aiming to make their mark in the banking world.

 

If you've ever found yourself puzzling over the secret handshake to win over banks, this episode is your not-so-secret map. Tune in, soak up the insights, and get ready to take notes - because "Banking on It" might just be the breakthrough moment your fintech has been waiting for.

Nordic Fintech Highlights, January 2024: Is the digital lipstick a returning trend?

Buckle up, fintech aficionados! Our monthly "Nordic Fintech Highlights" episode has arrived, and it's a whirlwind tour through January's most electrifying developments in the Nordic fintech scene. Our dynamic duo, Pål Krogdahl and Ville Sointu, are joined by the ever-insightful Janne Salminen, the mastermind CEO of Helsinki Fintech Farm and purveyor of many a bad joke, to unpack the juicy details.

 

First on our agenda, we delve into Danske Bank's latest venture with Backbase—a partnership less about romantic candlelit dinners and more about a dynamic duo set to revolutionize digital banking like never before. But the question lingers: is this a case of too little, too late?

 

Next, we dart over to Finland, where MobilePay is making a grand re-entrance, poised to sprinkle some magic on mobile payments. It's akin to reconnecting with an old friend who's just got a fabulous new makeover—you just know things are about to get thrilling.

 

And just when you thought our fintech feast couldn't get any richer, we explore how Januar and Fireblocks are joining forces to create a digital Fort Knox for digital assets. This is the kind of top-tier security that could make even the most skeptical crypto asset manager sleep soundly.

 

So, if you're in the mood for a hearty serving of fintech fun with a dash of Nordic flair, you've struck gold. Tune in, crank up the volume, and let's navigate the waves of January's fintech frenzy with grins all around.

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Hosted by two recognised fintech influencer and industry thought leaders, the Fintech Daydreaming podcast highlights the major leadership and cultural challenges facing the banking industry today. Featuring interviews with some of the best minds in the industry worldwide, this recognised Podcast in Banking explores the impact of digital disruption on the industry’s future. Want to know more and discuss opportunities, return the form and we will get in touch.

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Get in contact and share your thoughts with us

We are always looking for new episode subjects and guests along with a great banking or fintech related joke.

Would you like to be a guest? reach us on hello@fintechdaydreaming or via LinkedIn, Twitter, YouTube or Anchor.fm and share your ideas and story.

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