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 walks us through his new startup’s mission to build a pan-African on-chain payments and lending platform, explains why the continent’s fragmentation is both the challenge and the opportunity, and delivers a few spicy takes on Europe’s new bank-backed stablecoin. (Spoiler: he’s not impressed.)

We revisit old predictions, argue about what “self-settling” really means, and test the limits of how many times stablecoins can be mentioned in one episode before someone needs a lie-down. Somewhere in between, there’s a crypto joke, a Men in Black reference, and a minor real-world subplot involving a locked apartment door. It’s global, geeky, and a little chaotic — just another day at the virtual office of Fintech Daydreaming.

Episode hosted by Pål Krogdahl & Ville Sointu

Episode produced and edited by Fintech Daydreaming

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 hear.

Once we finally remembered to press the big red button, things got back on track (mostly). Ville’s voice barely survived another deep dive into stablecoins — a topic now reaching “say it one more time and I scream” levels. Pål compared digital euros and euro stablecoins like a true survivor of SIBOS, and Janne tried to restore order with AI funding rounds, Revolut’s Nordic comeback, and an ePassi expansion story that proves the Finns can scale just fine without the metaverse.

There’s even the obligatory terrible fintech joke, a bit of croaky small talk, and an awkward realization that maybe we talk about stablecoins more than our families. All in all: it’s chaotic, it’s geeky, it’s pure Fintech Daydreaming — take two.

Episode hosted by Pål Krogdahl, Ville Sointu & Janne Salminen

Episode produced and edited by Fintech Daydreaming

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 parade of fintech’s brightest people – founders, authors, bankers, thinkers – all crammed into one room with us, the noise of the conference bleeding through the walls, and way too little coffee. The result? The longest Fintech Daydreaming episode ever recorded – nearly two hours of conversations, debates, and jokes that we just couldn’t cut down. (Turns out once you get fintech people comfortable on a couch, they don’t want to leave.)

Across those two hours, you’ll hear from:

.- Thomas Hahn-Petersen (Copenhagen Fintech) on why Copenhagen is buzzing.

.- Philippe Höij (DFRNT) on shaking up investing.

.- Jakob Lage Hansen (DoLand) and Ulrik Koefoed Johnsen (Giv Effektivt) on impact and giving.

.- Kim Norbye (Nexi Group) and Paolo Sironi (IBM) on future rails of finance.

.- Leda Glyptis with her trademark truth bombs.

.- Panagiotis Kriaris (Unzer) and Lotta Domonkos (Fimento AB) on payments and platforms.

.- Daniel Alter (Enfuce), Ronit Ghose (Citi), and Rune Kallehauge (Mastercard) bringing the global view.

.- Christie H. Kristensen (Danske Bank), Veikko Koski (FinanceKey), and

.- Wassa Camara (Copenhagen Fintech) closing out the Nordic perspectives.

It’s raw, it’s noisy, it’s almost two hours long – but if you want to get into the buzz of Nordic Fintech Week this does it better than any LinkedIn highlight reel you saw before.

Episode hosted by Pål Krogdahl & Ville Sointu

Episode produced and edited by Fintech Daydreaming

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 dive straight into the questions everyone’s asking:

.- Do we actually need a bank-issued euro stablecoin?

.- Why are Danske and SEB — two banks outside the eurozone — in on the action?

.- Is this the next chapter of money… or just a rerun of 19th century wildcat banking with shinier marketing?

Expect a crash course in what stablecoins really are, why this joint venture might matter (or not), and plenty of healthy skepticism about timelines, use cases, and whether anyone will actually use these coins outside PowerPoint decks.

Episode hosted by Pål Krogdahl & Ville Sointu

Episode produced and edited by Fintech Daydreaming

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 argue about whether it was the quietest fintech month of the year, make questionable jokes about beef stroganoff, and somehow get lost in a time loop about Copenhagen.

And here’s the twist: read this description backwards and it still makes sense.

Because in August, Nordic fintech really did move forward and backward at the same time — and no one was entirely sure what just happened.

Episode hosted by Pål Krogdahl & Ville Sointu

Episode produced and edited by Fintech Daydreaming