

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 28, 2022 • 39min
Fintech Daydreaming at Sibos 2022
It’s that time of year again. The season when who’s who of the financial services industry flock to a get together that still today is the largest migration of bankers and Fintech nerds heading to one place: the annual Sibos conference.
Our co-host Pål Krogdahl found himself in the middle of it all and we decided to share the experience with all our listeners. What’s hot (and not) this year? Why does everyone look so tired every morning? All this and more with this week’s episode - tune in!
- 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/

Oct 14, 2022 • 48min
Banking, transmuted with Nick Root
"Here we go again" we thought when we scheduled this episode recording that it would be another one about embedded finance. At the same time we realised that this is a chance to get to the next level in the discussion: how does embedded finance really work? What is the terminology we should use and what are the implications of delivering these capabilities across national borders and over different jurisdictions?
Our guest for this episode of Fintech Daydreaming, Nick Root, Co-founder and CEO at intergiro helped us navigate through all of it with ease. Join us for the ride!
- 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 30, 2022 • 57min
Think like a Brand, Not a Bank with Liz High (and Allison Netzer)
What is a brank? While we break new grounds in Fintech Daydreaming every now and then this is the first time we might have accidentally invented a new word that tells everything about how banks could re-invent their brand strategy.
Join Pål Krogdahl and Ville Sointu for this episode, where they talk with Liz High (unfortunately Allison was unable to join us at last minute) about how banks today could do better with the way they communicate their investments in a digital world, and how that translates to value for their customers.
Check https://thinklikeabrandbook.com to learn all about it - or just listen to this episode to get the highlights - even better, do both!
- 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 16, 2022 • 48min
Cloudy with a Chance of Modernisation with Howard Boville
Season six continues with another mega-trend and another mega-guest: current Head of IBM Cloud Platform and former Bank of America CTO Howard Boville, re-joins Pål Krogdahl and Ville Sointu to talk about what’s what in regards to banks moving to the cloud - and more.
A lot has happened since Howard was with Fintech Daydreaming the last time (S02:E05). We get to hear an update on where the current industry status on cloud adoption, and learn about every banker’s dream - mainframe on the cloud! ☁️🏭
In other words: buckle up for another wonderfully fintech-nerdy 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 2, 2022 • 55min
Open season for banking with Eyal Sivan (a.k.a Mr. Open Banking)
Open season for banks or the season for open banking? In this episode Eyal Sivan, Mr. Open Banking himself, joins Ville Sointu and Pål Krogdahl in the Fintech Daydreaming studio, and right off the bat go deep into the philosophy of open banking. They end up making a full tour around definitions, regulation and actual use cases just to round it up in time to talk about the future of it all.
In short: Ever wondered about anything related to open banking? This is the episode you don't want to miss.
- 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/

Aug 19, 2022 • 57min
Will Blockchain save the Metaverse with Anthony Day
The short but sweet Nordic summer is over and it's time to kick off season six of Fintech Daydreaming! We've been trying to get the blockchain leader and fellow podcast host Anthony Day (host of the podcast "Blockchain won't save the world") to be a guest on our podcast for quite a while now so we couldn't have been happier to get him to join our hosts Pål Krogdahl and Ville Sointu to kick off this season.
Will we finally get a proper definition of web3? Is there a real use case for web3 and does it connect to the metaverse somehow? Did Ville manage to use an NFT to get to a secret party during his summer vacation? This and more answered - all you need to do is hit that play button 👉
- 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, 2022 • 48min
The (FinTech) Boys of Summer
Summer is officially here, and that means it’s time to end another roller coaster of a season of the Fintech Daydreaming podcast. Before we do that though, our hosts Pål Krogdahl and Ville Sointu sat down to summarise some of the main highlights, key themes and best takeaways of season five. As a bonus Ville drops a career newsbomb seemingly out of nowhere 💣
Special thanks to all our fans for listening and watching us during season five. Fintech Daydreaming will return for season six in August with a fresh lineup of guests and topics. But for now, we wish you all a great summer, and a big thank you to our guests for season five...
- 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, 2022 • 53min
Around the fintech world in 50 minutes with Hyung-Gon Paul Yoo
Summer is almost here but the team at Fintech Daydreaming are showing no signs of slowing down as we finally got one of our most anticipated guests to join us for a chat. Our hosts Pål Krogdahl and Ville Sointu sat down with Paul Yoo from Meta who has a phenomenally interesting career that has taken him around the world working for some of the best known brands in fintech.
We got to talk about everything from crypto to the metaverse and ended up learning about how once upon a time bitcoin “almost” took over the economy in Thailand. Tune in. You won’t regret listening to this one.
- 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 13, 2022 • 52min
Digital for good with Chris Skinner
Getting the fintech legend and author Chris Skinner to join us for a chat in our Fintech Daydreaming studio was a fantastic milestone for us.
Our hosts Pål Krogdahl and Ville Sointu got to talk about everything from his new book “Digital for Good” to the metaverse, but little did we expect that we’d learn what Chris thinks about one of our hosts (all said in jest), superhero fintech jokes and the legend of Captain Cake 🍰
Sounds confusing? Listen in and everything will become clear.
- 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 29, 2022 • 38min
Getting to the core of banking with Ion Fratiloiu and Yobota
Another day another episode about banking as a service? And, why not! Ion Fratiloiu from Yobota joined us to give us a new perspective to the topic: from a platform to a full stack banking as a service provider by becoming part of a fully licensed bank.
We also continued to develop our long term plan to launch the Fintech Daydreaming bank in exotic countries where we have listeners. Tune in to hear what our hosts Pål Krogdahl and Ville Sointu need to do next!
- 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/