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.
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Fintech Daydreaming
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.
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
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.
S10:E08 - Cracking the Compliance Code for Fintech with Eva-Lotta Hokkonen
This week, Pål and Ville dive into the regulatory labyrinth with Eva-Lotta Hokkonen, an attorney and senior associate at Dittmar & Indrenius, and a go-to expert on fintech compliance. If you’ve ever wondered why compliance feels like scaling Mount Everest for fintechs, we’re about to break it all down.
We dig into why compliance presents unique hurdles for fintechs compared to traditional banks, what happens to compliance obligations when fintechs and banks team up, and why it’s not as simple as ticking off checkboxes. Eva-Lotta shares why understanding compliance is more than just staying on the regulator’s good side—it’s about making it a competitive advantage (yes, really).
Finally, we get Eva-Lotta’s insider take on emerging trends in compliance that every fintech should be bracing for. Think of this episode as a fintech survival guide for navigating the shifting landscape of regulation.
Nordic Fintech Highlights, October 2024: AI Assistants, Top 20 Lists, and Tap to Pay!
We’re back with another Nordic Fintech Highlights episode, where Pål, Ville, and our regular guest co-host Janne Salminen from Helsinki Fintech Farm unpack the latest from the Nordics—and this week, it’s all about tech innovations, top fintech picks, and payment upgrades!
First up, Pål takes us through Lunar’s big news: they’re launching GenAI, Europe’s first AI-native voice assistant for banking. Imagine a future where your bank not only listens but actually “gets” you—no more endless tapping or navigating through menus. But can AI really deliver that seamless experience, or are we still a few updates away from our banking chatbot dreams?
Next, Janne dives into the Helsinki Fintech Farm’s latest “Top 20 Nordic Fintechs” list. Who’s in, who’s out, and which trends are setting the pace this year? Janne also covers the recent news that Mastercard has acquired Minna Technologies, a game-changing move that could bring subscription management to the fingertips of millions globally.
Finally, Ville wraps things up with an update on tap-to-pay, with Adyen, SumUp, myPOS, and Viva rolling out this feature across European markets. From tap-to-pay iPhones to terminal-free transactions, the payment space just keeps getting easier and more digital. But are we inching closer to a cashless society, or will it all be canceled because people will start using their phones to steal contactless card information in crowded places?
Tune in for all the latest insights on how AI, acquisitions, and new payment solutions are shaping the future of Nordic fintech!
S10:E06 - Gender, Wealth, and the Aila Money Revolution with Elisabeth Prager
This week, Ville and Pål sit down with Elisabeth Prager, co-founder of Aila Money, to tackle a topic that deserves way more airtime—the gender wealth gap. Spoiler alert: it’s still very much a thing, and the numbers aren’t pretty.
But fear not, because Elisabeth and her team at Aila Money are stepping up to be part of the solution. We explore how Aila Money is empowering women financially, with tools and insights designed to help close the gap once and for all.
From practical steps to the challenge of addressing a systemic issue that could take up to seven generations to fix, we break down what it’ll take to make financial equality more than just a dream—and why it’s a win for everyone (yes, even the men). Whether you're a fintech junkie, equality advocate, or just curious about the future of finance, this episode is a must-listen.
Tune in for a conversation that’s both enlightening and, dare we say, a little inspiring—because the future is all about equal opportunities, driven by financial empowerment!
P.S. The book Elisabeth recommends in this episode is Invisible Women: Exposing Data Bias in a World Designed for Men—available at all good bookstores.
Nordic Fintech Highlights, September 2024: Cash, Crashes, and Callbacks
We’re back with another Nordic Fintech Highlights episode, kicking things off with a nod to the Mobey Forum member meeting’s epic "Fight Club" debate earlier that week. Two of our former guests, Monika Liikamaa and Anders Olofsson, went head-to-head—and let’s just say, the fintech gloves were off!
As always, Pål and Ville are joined by Janne Salminen from Helsinki Fintech Farm to break down the latest from the Nordic fintech scene:
Ville opens with Sweden's central bank issuing a stark warning to banks about protecting access to cash. Could this ironic twist in the cashless story lead to new legislation? In a world moving away from cash, is it still essential?
Janne follows up with the latest on the DDoS attacks that hit Nordic banks in September. What does this mean for the region’s digital infrastructure, and how vulnerable are we to future cyber threats?
Pål closes by exploring Alisa Bank’s renewed strategic focus on embedded finance and Banking-as-a-Service. With their sights set on SMEs, partners, and deposit customers, are they poised for a fintech glow-up, or is it just another pivot in an already crowded Nordic banking space?
Tune in for a no-holds-barred discussion, covering everything from cash flow dilemmas to cyber chaos and strategic shake-ups. Let us guide you through the twists and turns of the Nordic fintech world!
S10:E04 - Everything Embedded with Jani Ristimäki
In this episode of Fintech Daydreaming, Pål and Ville are joined by Jani Ristimäki from BearingPoint to dive deep into one of the buzzwords of the moment—embedded finance. Spoiler alert: it’s already here, and it’s changing the game for banks, fintechs, and consumers alike.
From payments baked seamlessly into apps to financial services appearing in places you’d never expect, we break down what embedded finance really means and why it’s the future. Will banks survive this shift, or are fintechs taking over the new customer touchpoints? And how does it all impact you—the everyday user who just wants to sustainably and intelligently finance your next purchase without thinking about it too much?
If you find yourself sometimes wondering whether banking will become entirely invisible or if banks are going to lose touch with their customers as a result - this might be an episode for you. Tune in for a lively discussion packed with smart insights, terrible humor, and plenty of speculation about what’s next in the world of fintech.
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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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