

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

Oct 13, 2023 • 41min
From Unicorns to Open Banking Innovations | Nordic Fintech Highlights September 2023
The first ever episode of Nordic Fintech Highlights is here! Pål and Ville join Janne from Helsinki Fintech Farm to discuss what’s hot (or not) in Nordic fintech this month. In this episode we discuss:
Alphasense becomes the first Finnish fintech biunicorn - AlphaSense, an AI-based market intel firm, snaps up $150M at a $2.5B valuation | TechCrunch
Enable Banking partners for pan-European open banking - Enable Banking, CRIF and Strands Forge Strategic Partnership to Revolutionize Open Finance Solutions in the Nordics.
Enigio Time secure funding from a top-tier bank for accelerating digital trade - Lloyds Banking Group Invests €3M In Enigio To Support Digital Documentation In Trade | Crowdfund Insider
Stay tuned for monthly updates of Nordic fintech news on this channel, and don’t worry - we still stick with bad jokes and of course Fintech Daydreaming will resume regular programming in the next episode 🤓
- 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/

Sep 29, 2023 • 53min
Cost of convenience with Marcus Ivarsson
Do you have children? If you do, here’s something to think about: your kids are probably multimillionaires before they ever get their hands on a real bank account. How is this, we hear you ask...
This is true because of most kids getting exposure to virtual worlds like games with their own digital economies. But this also creates a financial education challenge when bridging the gap from virtual to real money.
Marcus Ivarsson has realised this abstraction of monetary value as a design problem that needs to be solved. As the CEO and founder of Tjing, he and his team are trying to find the right answers to the question: how to make money as understandable and intuitive as cash in a world where everything is digital? Hint: It must be something more than a number on a screen.
Join Marcus, Pål and Ville in this week’s episode for all this, a very bad joke and much more!
- 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/

Sep 14, 2023 • 52min
The culture of invisible banking with Sudip Khan
"Culture eats strategy for breakfast” is a phrase you hear quite often when talking about developing organisations towards sustainable growth. What happens when the development you need to get done is in a bank and the direction you are taking is invisible banking? How do you cultivate a culture that becomes an environment for innovation in a regulated banking environment?
Sudip Khan is the Open Banking Leader in one of Europe’s largest banks, Raiffeisen Bank International (RBI), and is facing this exact dynamic in his daily work. In this episode Sudip talks about how perhaps non-conventional fintech topics like culture, empathy and listening are keys to success -- and of course never checking your customer’s balance. Listen in and learn why!
- 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/

Sep 1, 2023 • 47min
Building the blocks of digital finance with Kelvin Tan from audax
Autumn is fast approaching and that means two things: more rain and a fresh new season of Fintech Daydreaming!
Season eight of our podcast kicks off on a high note as we welcome CEO of audax, Kelvin Tan for a discussion about the current and future digital banking landscape.
Building a digital banking platform in-house in a bank and then packaging it into a product is a journey that builds on the potential of a team that has deep understanding of how banks operate and how to address their needs. Tune in to hear how Kelvin and his team navigated through this journey and created audax.
- 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/

Jun 23, 2023 • 34min
Season 7 wrap-up: celebrating milestones and looking forward to season 8
Join hosts Pål and Ville in this episode of Fintech Daydreaming as they reflect on the exciting journey of Season 7 and share their plans for Season 8. Season 7 was filled with engaging discussions and insightful interviews, covering topics like ESG and embedded finance. The hosts express their gratitude for the continuous growth and support from their audience, with their LinkedIn page now reaching over 2,000 followers.
Looking ahead to Season 8, Pål and Ville discuss the growing significance of generative AI in fintech. They anticipate an increasing demand for large language models tailored for enterprise needs and express keen interest in exploring the intersection of generative AI and compliance in the banking sector. The hosts promise to continue refining their teaser videos and featuring esteemed guests who can shed light on the evolving fintech landscape. Listeners are encouraged to provide feedback and suggestions to ensure Fintech Daydreaming remains an engaging and informative platform.
Tune in to this episode for a recap of Season 7, insights into future topics, and stay tuned for Season 8 of Fintech Daydreaming!
- 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/

Jun 9, 2023 • 50min
The rise of the machines with Paul Bruckberger
“Everything in this world that can be connected, will be connected” is a phrase that gets thrown around a lot. What many times gets less attention is how exactly will this massive connectivity of machines and things mean for ownership and value chains that are suddenly sources of a lot of very detailed usage data.
Linx4 is an Austrian fintech that saw this opportunity and ran with it. Paul Bruckberger is the CEO and one of the founders of linx4 and he joined Pål and Ville to talk about how exactly we can move into a world of usage based business models.
Drop us a note in the comment section or any of our social media channels where you tell us the number of things born in Austria that you can spot in this episode and you will get a chance to win an authentic Fintech Daydreaming T-shirt! (very limited supplies, wrong answers only)
- 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/

May 26, 2023 • 46min
Live at the Nordic Fintech Summit 2023
It’s that time of the year again: Pål and Ville took the show on the road and joined the Nordic Fintech Summit in Helsinki as the official podcast partner to bring you this special episode that was recorded live in our own temporary studio on site. Our hot seat was on high demand and we got to speak with a wide range of guests and exhibitors in the summit.
Join the fun as we talk to:
Janne Salminen, Helsinki Fintech Farm
Connor Blake, Personetics
Reggie Rusan, eSystems Nordics
Alistair Cotton, Integrated Finance
Bent Winkel, Thought Machine
Chris Crespo, Nordic Fintech Magazine
Jonas Qvarfordt, Backbase
Ado Fazlic, Neonomics
Joakim Botha, Eliq
Asya Kruglova, Web3 Builders
Stefan Eriksson, Crosskey
Thank you to Helsinki Fintech Farm for having us - we’ll definitely be back to the Nordic Fintech Summit next year!
- 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/

May 12, 2023 • 51min
Cloud Exit with David Heinemeier Hansson
Stop the press 💥 Banks are late to the party and are just about to join as the cool kids are already heading for the exits 🚪🏃♀️ Sounds about right, but which party is it this time? The public cloud.
Join Pål and Ville in this episode of Fintech Daydreaming where we are joined by David Heinemeier Hansson, who is the CTO and co-founder of 37signals - the company that has brought you Basecamp. David breaks down their journey in and out of the public cloud and why this path is soon going to be very familiar for more companies, fintechs and banks than we might realize.
If you’re a CIO in a bank just about to get on the public cloud journey, you definitely should listen to this one. If you’re not, you probably still want to hear how it all plays out 🤓
- 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/

Apr 28, 2023 • 53min
Bankers like us... right? with Leda Glyptis
We don't always have fintech superstars as guests, but when we do, they are shining bright. Leda Glyptis joined Pål Krogdahl and Ville Sointu to talk about her own journey in banking and fintech and how it inspired her to write her recently published book "Bankers like us."
Surgeon general warning: This episode might give you superpowers - especially if you're working in the trenches of digital transformation in a bank.
- 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/

Apr 14, 2023 • 53min
Driving Fintech Innovation at Speed with Anders Hammarbäck & Prakash Pattni
Have you ever wanted to ask a fintech VC what are the ingredients for your company's success and scaling globally? Us too! Pål Krogdahl and Ville Sointu sat down with Prakash Pattni from IBM and Anders Hammarbäck from Antler to talk about the current trends in fintech but most importantly how to take a fintech idea to practical execution and how to get funding.
Will we be able to carry out a conversation about fintech trends without spiralling down the crypto debate drain? Are Pål and Ville able to handle two guests at once for the first time? Nothing left to do but to click that play button and listen to this fresh instalment of Fintech Daydreaming to find out!
This episode was produced in partnership with IBM.
- 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/