

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

Jun 11, 2021 • 56min
Responsible computing & the reach for carbon neutrality in Banking with Mark Stevenson
Our guest in this second to last episode of Fintech Daydreaming for season three, is no other than progressive rock band guitarist, songwriter, author, stand-up comedian and 'reluctant' futurist Mark Stevenson. He has his own wikipedia page (https://en.wikipedia.org/wiki/Mark_Stevenson). Because of course he does.
We kick this episode off with the question - what do we think the future holds for the banking industry seen from an environmental and sustainability perspective when we look at the continued use of emerging technologies to solve some of the pressing issues we have globally?
Tune in to hear whether or not Pål manages to introduce Mark successfully and later learn - among many other things - about data centers and mining that consume carbon dioxide.
Guest: Mark Stevenson (https://www.linkedin.com/in/mark-stevenson-448334/)
Mark Stevenson's web site: https://markstevenson.org/
Quantum Pig's web site: http://quantumpig.net/
- 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 28, 2021 • 30min
Data driven clients and embedded finance LIVE with Paolo Sironi
Tune in for some live shenanigans in this week's episode of Fintech Daydreaming. In this episode which was streamed live as part of the annual Nordea Insights Day event, Pål Krogdahl and Ville Sointu were joined by Paolo Sironi who shared insights from his past and future publications on all things embedded finance.
How many technical issues did we encounter in 30 minutes? Did Pål's laptop battery run out before the end? This and much more excitement just behind that play button!
Guest: Paolo Sironi (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/

May 14, 2021 • 52min
Welcome to the future, Everything as a Service with Dharmesh Mistry.
Banks tend to package their services as products. In today's episode of Fintech Daydreaming Pål Krogdahl and Ville Sointu talk to Co-Founder & CEO of AskHomey, Dharmesh Mistry, who takes the product thinking a step further: how are bank products distributed today and in the future? How are they produced in "the factory" and how are banking raw material supply lines shifting?
Hit play, step into yet another whirlwind of nerdy fintech goodness and don't forget to leave us a review if you liked the episode!
Guest: Dharmesh Mistry (https://www.linkedin.com/in/dharmesh-mistry-b81207/)
- 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 30, 2021 • 48min
Data driven enterprise with Boris Bialek from MongoDB
Join us again in this week's episode where Pål Krogdahl and Ville Sointu landed on a more-nerdy-than-usual chat about data infrastructure and its evolution with our guest Boris Bialek. Boris is the Global Head of Enterprise Modernization at MongoDB and gave gave us a fascinating deep dive into the topic.
Guest: Boris Bialek (https://www.linkedin.com/in/bbialek/)
- 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 16, 2021 • 38min
Financial literacy with Philip Haglund
In this episode Pål Krogdahl and Ville Sointu have a chat with Philip Haglund, a former professional soccer player turned fintech CEO, whose company Gimi is doing the ever important work of financial education for children by embedding banking services to a smart package that kids understand and prefer to use .
Listen in and find out how we butcher several soccer team names and learn all about what financial inclusion is in practice.
Guest: Philip Haglund (https://www.linkedin.com/in/philip-haglund-a52855b/)
- 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, 2021 • 35min
Do you need a core in a coreless world? with Tam Holmes
In yet another properly fintech-nerdy episode of Fintech Daydreaming, Pål Krogdahl and Ville Sointu had the pleasure to talk to Tam Holmes from 10x.
Hard core 🤟 or no core 🤷♀️ - tune in to hear how 10x sees the evolution of banking infrastructure and most importantly: where does the name 10x come from?
Guest: Tam Holmes (https://www.linkedin.com/in/tam-holmes-8a9496/)
- 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/
Sponsorships: off for this episode

Mar 19, 2021 • 47min
Identity is the new NFT with Dave Birch
So good we're almost tempted to create an NFT of this episode!
Dave Birch joined Pål Krogdahl and Ville Sointu from his hometown of Woking to lead a tour of all our favorite topics: digital identity, cryptocurrencies, digital currencies and yes, non-fungible tokens.
Guest: Dave Birch (https://www.linkedin.com/in/dgwbirch/)
Links mentioned in the episode:
- "The future of payments" - Dave's presentation in Mobey Forum June 2010
https://mobeyforum.org/members-area/presentations-archive/2010-jun-helsinki/
- Tulips, steam and decentralised finance
https://blog.dgwbirch.com/?p=1000
- Bitcoins stay dirty, no matter how much you launder them
https://blog.dgwbirch.com/?p=1013
- 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 5, 2021 • 45min
Are the banks dead? Long live banking! with Jim Marous
We continue our high flying fintech superstar series in season three of Fintech Daydreaming with Jim Marous as our guest. Jim is not only a fintech superstar for us nerds in this space but has also featured on several occasions in mainstream media like CNN, CNBC, The Wall Street Journal and New York Times. Obviously his next stop was our podcast.
Join our hosts Pål Krogdahl and Ville Sointu this week for a taste of inappropriate geriatric banker jokes and insightful views into fintechs, bigtechs and financial super apps.
Guest: Jim Marous (https://www.linkedin.com/in/jimmarous/)
Links mentioned in the episode:
https://thefinancialbrand.com/author/jimmarous/
https://www.mastercard.com/news/perspectives/2021/why-mastercard-is-bringing-crypto-onto-our-network/
- 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 19, 2021 • 38min
The past, present and future of trust networks with Richard G Brown
Season three continues with a bang as Pål Krogdahl and Ville Sointu are joined by Richard G Brown, the CTO of R3, for a thought provoking discussion about the past, present and future of Blockchain and Distributed Ledger Technology based trust networks.
Links mentioned in the episode:
R3 Conclave: https://www.r3.com/platform-conclave/
Tesla buys $1.5 billion in bitcoin, plans to accept it as payment:
cnbc.com/2021/02/08/tesla-buys-1point5-billion-in-bitcoin.html
- 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 5, 2021 • 49min
Back to the Future, Banking 4.0 style with Brett King
Season three of Fintech Daydreaming continues with a bang as we welcome a true fintech celebrity as our guest: Brett King really needs no introduction and it's safe to say our hosts, Pål Krogdahl and Ville Sointu were just a little bit excited to have a chat with him about everything fintech and emerging technologies.
Guest: Brett King (https://www.linkedin.com/in/brettking/)
Links mentioned in the episode:
https://moven.com/
https://provoke.fm/show/breaking-banks/
https://www.amazon.com/s?k=brett+king
- 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/