

Fintech Daydreaming
Pål Krogdahl and Ville Sointu
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.
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.
Episodes
Mentioned books

Jan 22, 2021 • 35min
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/

Dec 18, 2020 • 34min
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/

Dec 4, 2020 • 46min
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/

Nov 20, 2020 • 31min
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/

Nov 6, 2020 • 31min
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/

Oct 23, 2020 • 38min
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/

Oct 9, 2020 • 38min
Clouds on the horizon - navigating banks towards brighter skies
Episode five of season two is here and we continue our epic streak of C-level executives visiting the show.
Our guest this time is Howard Boville who is currently the Senior Vice President of Hybrid Cloud at IBM and the former CTO at Bank of America where he was among many other things overseeing their transition to a modern cloud infrastructure.
Cloud puns, police sirens (!) and heavy hitting bank IT strategy commentary all wrapped up in a podcast episode hosted as usual by Pål Krogdahl and Ville Sointu - there’s really no reason not to listen in this week!
Guest:
Howard Boville - Senior Vice President, Hybrid Cloud, IBM (https://www.linkedin.com/in/howardboville)
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/

Sep 25, 2020 • 46min
Extreme Digitisation in Banking, same same but different?
Welcome to Fintech Daydreaming Season 2, Episode 4...
An old friend of both Pål Krogdahl and Ville Sointu popped in to have a chat about all things bank digitalization as the former CDO of Nordea and current Chief Transformation Office of Sohar International Ewan MacLeod visited us and shared the story of how he ended up in sunny beaches of Oman.
Tune in to hear Ewan talk about how bank digitalization works in practice and whether or not C-level digital leaders regularly listen to Fintech Daydreaming.
Guest:
Ewan Macleod, Chief Transformation Office, Sohar International (https://www.linkedin.com/in/ewanmacleod/)
Links mentioned in the episode:
https://361podcast.com
https://ewan.net
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/

Sep 13, 2020 • 33min
20 years of bridge building in digital financial services
Welcome to season 2, episode 3 of Fintech Daydreaming!
In this episode Pål Krogdahl and Ville Sointu had the privilege to talk to Elina Mattila, who is the executive director of Mobey Forum - a non-profit organization that has been part of setting the stage for digital financial services all the way since year 2000.
Join us to find out where the name Mobey comes from, what's the secret ingredient for successful fintech conferences and whether or not Pål successfully lands his joke this time (hint: he doesn't).
Guest:
Elina Mattila, Executive Director, Mobey Forum (https://www.linkedin.com/in/elinamattila)
Links mentioned in the episode:
One in four Finns downloaded COVID-19 tracing app in four days
(https://www.reuters.com/article/us-health-coronavirus-finland-app/one-in-four-finns-downloaded-covid-19-tracing-app-in-four-days-idUSKBN25U20H)
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/

Aug 28, 2020 • 54min
Making dumb money smart - a look at programmable money and digital currency
Episode 2 of season 2 is here, and in this instalment of Fintech Daydreaming Pål Krogdahl and Ville Sointu catch up with an old - Jack Nikogosian from Aryze to talk about all things smart money, and to return to some old debates Jack and Ville had in 2019 (see the linked YouTube video).
Did we actually agree on anything in this show? Did Jack get a chance to revisit the topics Ville and him debated in 2019? Tune in to find out!
This episode runs a bit longer than usual because we just couldn't stop talking. We hope you find it worth your time regardless.
Guest: Jack Nikogosian (@JackNikogosian, https://dk.linkedin.com/in/jacknikogosian)
Links mentioned in the show:
Jack & Ville debating future of money - https://youtu.be/yL1NCAF9b_0
Finextra: US seizes bitcoin linked to terror groups - https://www.finextra.com/newsarticle/36395/us-seizes-bitcoin-linked-to-terror-groups
Do you have a subject you would like Pål and Ville to cover in a future episode, or would you like to attend as a guest? Then feel free to ping us:
.- 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/