

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

Apr 15, 2022 • 46min
Cloudy day in banking with Jaakko Vilen & nCino
Based on the amount of drama around our podcast hosts catching covid-19 one after the other there might just be a Fintech Daydreaming Netflix series in development sooner than we think. Against the odds we do however have the full crew onboard to hit another first ever for Fintech Daydreaming: we had our first ever guest joining us in two consecutive episodes!
Jaakko Vilen from nCino joined Pål Krogdahl and Ville Sointu to give us a (re-)visit to our discussion around the hottest topics in fintech right now: sustainability, cloud and lending transformation. And yes, you will find out how nCino got the name it has today. This involves a movie with a 15% rating in Rotten Tomatoes. You really should hear it.
- 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 1, 2022 • 57min
Live at the Nordic Fintech Summit 2022
In our first ever episode recorded live in a conference Pål Krogdahl and Ville Sointu were invited to cover all the buzz at the Nordic Fintech Summit in Helsinki. After two years of lockdowns and endless Zoom meetings the excitement to meet everyone in three dimensions was a sight to behold and the atmosphere was buzzing with fintech companies across the world joining us in this episode.
Join us to hear how it all played out: did Ville make it in time from his flight direct from the Finovate conference in London? Did it all go according to plan? We have it all covered!
Thank you to the following for being part of this special episode:
Janne Salminen, Helsinki Fintech Farm
Varindarpal Bhaura, Thought Machine
Oscar Björklund, ResultElf
Seweryn Bak, Comarch
Benjamin Delight, Tuum
Johanna Viklund, Mambu
Tommi Lassila, Aura Cloud
Mats Nordgren, Vilja
Arto Sorvoja, Kyndryl
Jaakko Vilen, nCino
Sarah Kok, Näktergal
Petri Syvänne, TietoEvry
Mikko Rieger, Rieger.fi
John Erik Setsaas, Signicat
Audio quality might vary due to to the live recording environment but trust us as we say: it will all be worth your time!
- 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/

Mar 18, 2022 • 50min
The Nordic digital identity ecosystem part two with Markus Hautala
Pål Krogdahl and Ville Sointu continue on the topic of Nordic digital identity ecosystem and invited Markus Hautala to join the conversation in our Fintech Daydreaming studio. Markus is the Head of Digital Identity at TietoEvry and the chairman of the FindyNet co-operative.
Join Markus, Pål and Ville as we take a tour around the world of self sovereign identity, the EU Digital Identity program and FindyNet. As they ask in professional circles: will they blend?
Links and sources mentioned in the episode:
https://keri.one/
https://www.gleif.org/en/lei-solutions/gleifs-digital-strategy-for-the-lei/introducing-the-verifiable-lei-vlei
https://www.w3.org/TR/vc-data-model/
https://trustoverip.org/ https://idunion.org/?lang=en
https://www.memberpass.com
https://www.iata.org/en/programs/passenger/travel-pass/
https://findy.fi/en/
- 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/

Mar 4, 2022 • 49min
The Nordic digital identity ecosystem with Mikko Hiekkataipale
The myth, the legend, the Nordic digital identity in the fintech world is a fabled story of a utopian world where everything is digital and cash is obsolete. Is it true? If it is, how does it all work and how did it come to be?
Fintech Daydreaming is a Nordic based podcast so of course Pål Krogdahl and Ville Sointu had to find out, and who better to tell us all about it than the lead of ID solutions in the largest financial institution in the Nordics: Mikko Hiekkataipale from Nordea Bank.
Tune in to hear everything you ever wanted to know about the history and future of Nordic and European digital identity, and while you’re at it: try to count the times one of the hosts mixes customers with listeners.
- 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/

Feb 18, 2022 • 52min
How to Build a Bank with Eric Mouilleron
The time has come. Your favourite Fintech Daydreaming hosts Pål Krogdahl and Ville Sointu are planning to finally start the "Fintech Daydreaming Bank", so it made all the sense in the world to talk to Eric Mouilleron from Bankable about how to get everything up and running with a Banking as a Service (BaaS) approach for all the backend and compliance complexity we love and love to hate.
We might still be holding back for a moment from opening pre-registrations for our bank built exclusively for fintech nerds, but meanwhile hit the play button to find out how we're progressing!
As a cool side note, we here at Fintech Daydreaming are really exited to have been voted No 10 in the worlds 40 best Fintech Podcasts listing by FeedSpot - https://blog.feedspot.com/fintech_podcasts/
- 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/

Feb 4, 2022 • 49min
Laundry day with Tony Petrov
"Let's do an episode about regulation!" - said no successful podcaster ever.
We like both challenges and nerding out about financial regulation so we went for it anyway. Join us as Pål Krogdahl and Ville Sointu have a conversation with Tony Petrov from Sumsub and try to keep up with the acronym drops 🤓
- 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/

Jan 21, 2022 • 53min
Setting the scene for 2022 with Ron Shevlin
We're back! Season five of our humble podcast kicks off with a snark as Pål Krogdahl and Ville Sintu got to talk to one of the continuously top ranked Fintech voices in the world: Ron Shevlin 💥
Tune in to hear about everything you need to keep an eye on in 2022 in the world of Fintech. And yes, we're still sticking with the bad jokes. You have been warned.
- 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 31, 2021 • 22min
What a year - but what's next?
Your favourite Fintech Daydreaming hosts Pål Krogdahl and Ville Sointu sit down to wrap up 2021 and talk about what the next year will bring to the industry and our listeners.
A big Thank You to our guests and listeners for a fantastic 2021 and we are excited to take everything to the next level in 2022!
- 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 10, 2021 • 52min
Banks and Fintechs on Platform economies with Paolo Sironi
Paolo Sironi is back with us to talk about his new book “Banks and Fintechs on Platform Economies” and we dive straight into the deep end and never look back in this exiting episode 🤓
We talk about regulated, platform driven, outcome based, contextual, conscious and unconscious banking while casually dropping at least two casino references while doing so. How did we do that? Hit that play button to find out 🎧
Guest: Paolo Sironi, Global Research Leader Banking and Financial Markets | IBM Consulting, Institute for Business Value | Recognised Author, Speaker, Advisor (https://www.linkedin.com/in/thepsironi/)
- 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/

Nov 26, 2021 • 50min
The Fintechs are coming! Or are they? with Likhit Wagle
The fintechs are coming! The fintechs are coming!
Or are they? If you listen to the media it would seem banks have been on the verge of going extinct for as long as we've had online commerce but today in 2021 it would seem not much has changed in the big picture.
We had the privilege of having Likhit Wagle join Pål Krogdahl and Ville Sointu on this episode of Fintech Daydreaming to discuss the global perspective on the dynamics between banks, fintechs and bigtechs. Perhaps the future is here after all - just not evenly distributed?
Guest: Likhit Wagle, General Manager, Global Banking & Financial Markets at IBM (https://www.linkedin.com/in/likhit-wagle/)
- 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/