Fintech Daydreaming
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.
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We are Fintech Daydreaming

Pål Krogdahl

Ville Sointu
New Episode Every Fortnight

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.
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 trance music, Ville powers through to help cover the biggest August headlines across the Nordic fintech landscape.
In this episode, we break down:
Avanza’s Algorithmic Ambitions: A look into Avanza Sigma, a new discretionary portfolio management service targeting high-net-worth individuals in Sweden with a low-fee structure. We debate the growing trend of AI-driven investments and whether humans are still in the loop behind the scenes.
Ericsson & MTN’s Cloud Migration: Ericsson is moving its massive mobile money platform for MTN Group to the public cloud. We discuss the trade-offs between incredible cloud-native performance gains and the long-term reality of hyperscaler vendor lock-in.
Revolut’s Push for a Finnish Branch: Revolut is applying for a branch license in Finland to finally offer local IBANs to its 250,000+ Finnish customers. We explore what this means for local e-invoicing, salary deposits, the strong authentication ecosystem, and the future of primary banking relationships.
Finally, stick around to the very end to hear Janne’s latest terrible dad joke about the new €2 commemorative coins. You might regret doing so, but at least we warned 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 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/

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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.
Partner with Fintech Daydreaming
Fintech Daydreaming is a podcast and a platform for honest, conversations about where banking and fintech are heading, We already work closely with leading hubs and media to shine a light on the people, stories, and ideas that matter in this ecosystem.
We are always open to new partnerships with fintech hubs, communities, accelerators, magazines and event organisers who want a trusted podcast partner. Whether you are building a local fintech community or expanding a global programme, we can help you reach a wider audience in a way that feels authentic, curious and informed.
Companies can also book Fintech Daydreaming for corporate events. That might be a live podcast recording at your conference, a special episode built around your strategic themes, a fireside chat with your leadership, or Pål and Ville moderating a panel for your clients or partners.
If you would like to explore a partnership or bring Fintech Daydreaming into your next event, get in touch and let us figure out something that fits your audience and your ambitions.
You can reach us via LinkedIn or Studio@FintechDaydreaming.com
