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Fintech Daydreaming: Daily Summaries Delivered
by 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.
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- Today25 min
Live from Nordic Fintech Week: The One With Panagiotis Kriaris
Live from the floor of Nordic Fintech Week in Copenhagen, we are bringing you a special bite-sized edition of Fintech Daydreaming. Amidst the ambient conference noise, live stage pressure, and the ever-present threat of Pål finding a seamless way to plug Rip Out the Core, we actually managed to keep things brief and sit down with some of the sharpest minds in Nordic fintech for rapid-fire conversations.In this short-form episode, we welcome Panagiotis Kriaris to the hot seat. Stripped of our usual hour-long tangents and deep rabbit holes, this interview cuts straight to the chase. It is a concentrated dose of fintech industry insight, delivered with just the right amount of our signature Nordic skepticism.Grab a quick coffee and tune in for a fast-paced chat that proves we actually can stay on schedule when a live audience is watching us (thank you all who did).If you enjoy these shorter dispatches, hit subscribe, leave a stellar review, and share this quick hit with a colleague.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Fintech Daydreaming- Email us on Hello@FintechDaydreaming.com- Fintech Daydreaming home page - https://www.FintechDaydreaming.com- 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/
- Yesterday19 min
Live from Nordic Fintech Week: The One With Christian Bach Jensen
Live from the floor of Nordic Fintech Week in Copenhagen, we are bringing you a special bite-sized edition of Fintech Daydreaming. Amidst the ambient conference noise, live stage pressure, and the ever-present threat of Pål finding a seamless way to plug Rip Out the Core, we actually managed to keep things brief and sit down with some of the sharpest minds in Nordic fintech for rapid-fire conversations.In this short-form episode, we welcome Christian Bach Jensen to the hot seat. Stripped of our usual hour-long tangents and deep rabbit holes, this interview cuts straight to the chase. It is a concentrated dose of fintech industry insight, delivered with just the right amount of our signature Nordic skepticism.Grab a quick coffee and tune in for a fast-paced chat that proves we actually can stay on schedule when a live audience is watching us (thank you all who did).If you enjoy these shorter dispatches, hit subscribe, leave a stellar review, and share this quick hit with a colleague.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Fintech Daydreaming- Email us on Hello@FintechDaydreaming.com- Fintech Daydreaming home page - https://www.FintechDaydreaming.com- 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/
- 2 days ago15 min
Live from Nordic Fintech Week: The One With David Grundy
Live from the floor of Nordic Fintech Week in Copenhagen, we are bringing you a special bite-sized edition of Fintech Daydreaming. Amidst the ambient conference noise, live stage pressure, and the ever-present threat of Pål finding a seamless way to plug Rip Out the Core, we actually managed to keep things brief and sit down with some of the sharpest minds in Nordic fintech for rapid-fire conversations.In this short-form episode, we welcome David Grundy to the hot seat. Stripped of our usual hour-long tangents and deep rabbit holes, this interview cuts straight to the chase. It is a concentrated dose of fintech industry insight, delivered with just the right amount of our signature Nordic skepticism.Grab a quick coffee and tune in for a fast-paced chat that proves we actually can stay on schedule when a live audience is watching us (thank you all who did).If you enjoy these shorter dispatches, hit subscribe, leave a stellar review, and share this quick hit with a colleague.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Fintech Daydreaming- Email us on Hello@FintechDaydreaming.com- Fintech Daydreaming home page - https://www.FintechDaydreaming.com- 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/
- 4 days ago49 min
Mobey Forum Special: A Quantum of Skynet
Welcome to a very special episode of FinTech Daydreaming, recorded in official partnership with Mobey Forum! This week, hosts Ville and Pål—who accidentally showed up in matching Mobey Forum hoodies—are joined by two heavy hitters in the cybersecurity space: Juha Vesanto, Head of the new Quantum and AI Research Center at OP Pohjola, and André Schmidt, Secure AI Lead at Accenture.Together, the panel dives into the terrifying, fascinating, and rapidly approaching intersection of artificial intelligence and quantum computing in financial services.In this episode, we break down:The AI Attack Swarm: Frontier AI models are drastically lowering the barrier to entry for cybercriminals. The panel discusses how institutions must shift to an "assume breach" mentality and zero-trust architecture, referencing recent protracted AI agent attacks on Hugging Face and social engineering breaches against Revolut in Italy.Preparing for Q-Day: Quantum computing threatens to shatter the public-key encryption (like elliptic curves) that currently secures the internet. Juha explains the urgent need for "crypto agility" and "harvest now, decrypt later" defense strategies, while also highlighting the positive, massive optimization potential quantum holds for the future of finance.Are Public Blockchains Cooked?: We debate whether decentralized finance and public ledgers can survive. Because smart contracts are immutable and currently lack the governance to force key updates, the panel warns that DeFi might be a sitting duck against the combined power of AI and quantum decryption.Plus, you get to enjoy André’s mandatory guest joke to find out what a $10 million funding round has to do with a software bug.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Fintech Daydreaming- Email us on Hello@FintechDaydreaming.com- Fintech Daydreaming home page - https://www.FintechDaydreaming.com- 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/
- 1 weeks ago51 min
Bank 5.0 and The Return of The King with Brett King
Welcome to a(nother) special edition of FinTech Daydreaming as Ville and Pål welcome back a friend of the show, futurist, author, and Moven co-founder Brett King to preview his upcoming book, Bank 5.0. After some lively banter covering Amazon ranking milestones for banking authors, the conversation shifts to the profound technological transformations reshaping the financial universe.In this episode, the discussion covers:The Machine Customer Revolution: Brett explores how agentic artificial intelligence will alter global commerce and industry. By the year 2030, primary banking customers will be autonomous software agents instead of human beings signing paper forms. This transition strips away traditional product sales, turning banks into pure financial utilities.Stopping Freight Trains with Machine Identity: Addressing recent decisions by institutions like JPMorgan Chase and Citi to block external AI agents, Brett describes these restrictions as short term roadblocks against market driven momentum. The financial ecosystem urgently requires standardized machine identity frameworks and automated regulatory supervision to safely handle autonomous agents.The Demise of Brand Loyalty: When a personal AI assistant negotiates across an engagement orchestration layer, traditional marketing perks like airline miles and card reward points become irrelevant. To stay inside the loop when autonomous agents decide where to route funds, banks must train proprietary foundation models on behavioral and transactional data.The Three Tiers of Future Banking: Looking ahead a decade, the financial landscape will be led by AI native newcomers, agile fintechs with modern tech stacks, and a small group of adaptable incumbents. Brett points to Stripe as a premier example of modern infrastructure, while noting that legacy card networks will transition into pure data transmission highways featuring built in transaction rollback capabilities.The dialogue closes with an examination of large scale automation, the societal necessity of universal basic income, and Brett delivering his classic stand up joke about who really robs whom in banking.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Fintech Daydreaming- Email us on Hello@FintechDaydreaming.com- Fintech Daydreaming home page - https://www.FintechDaydreaming.com- 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/
- 2 weeks ago50 min
Full Metal Card and Agents of M.C.P. | Nordic Fintech Highlights September 2026
Welcome back to another Nordic FinTech Highlights edition of FinTech Daydreaming! Ville takes the host's chair this week, fresh off his short vacation, to guide Pål and Janne through what has been the busiest month of the year for Nordic fintech news. After a quick a celebration of Pål’s new book hitting #10 on Amazon’s banking new releases, the trio dives into the biggest September headlines - along with a special guest audio appearance by Pål’s dog, Toto.In this episode, we break down:Trade Republic’s Finnish Invasion: The German trading app has announced a "full banking experience" in Finland, offering 3% daily interest and 1% "Saveback" to combat the €75 billion sitting in low-interest Finnish deposit accounts. We debate the reality behind their marketing, noting the lack of a local Finnish IBAN or e-invoicing capabilities, while Ville admits he only originally signed up to get their shiny mirror-finish metal card.Atlar & Claude Connect: Swedish treasury management fintech Atlar is now an official connector for Anthropic’s Claude AI. We explore how the Model Context Protocol (MCP) allows corporate treasurers to bypass traditional UI screens and use large language models to securely draft payments and forecast cash flows.Danske Bank's Corporate MCP: Danske Bank is boldly opening its data to corporate customers' own AI tools via a proprietary MCP. We discuss the critical differences between tightly controlled embedded finance and the potential "Wild West" of third-party AI agents, specifically regarding how to control an agent's true "intent" before it executes a payment.Plus, Janne delivers another controversial regulation joke, and the hosts announce their upcoming live recording at the Nordic Banking Forum on November 26th.Episode hosted by Pål Krogdahl, Ville Sointu & Janne SalminenEpisode produced and edited by Fintech Daydreaming- Email us on Hello@FintechDaydreaming.com- Fintech Daydreaming home page - https://www.FintechDaydreaming.com- 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 8, 202643 min
The Duct Tape Ultimatum with Olaf Ransome and Liz Oakes (Recorded live at PostTrade 360)
Welcome to a special live edition of Fintech Daydreaming recorded live from the PostTrade360 conference stage in Stockholm! For this unique session the usual dynamic is completely inverted. Olaf Ransome steps into the host chair while Ville and Pål take the guest seats. They are joined by Liz Oakes who brings her extensive policy experience and payments expertise to the panel. After a quick penalty into the curse jar for discussing the beautiful Swedish weather the group dives into the messy reality of modernizing payment rails.In this episode we break down:Core Banking vs The Duct Tape Economy: The group debates how long legacy financial institutions can continue patching old batch systems to handle the demand for constant instant settlement. Pål warns that the chasm between legacy capabilities and future requirements is widening rapidly.The Casino Token Dilemma: The panel tackles the massive hype surrounding stablecoins and tokenized deposits. Ville explains that artificial intelligence agents do not need crypto wallets because they can easily utilize existing card and A2A rails with the proper permissions in a scalable way. While stablecoins might solve very specific niche problems like volatile currency markets or shipping demurrage costs they suffer from severe liquidity friction the moment someone tries to cash out of the closed network.How Much Instant Do We Actually Need?: Liz highlights that corporate treasurers often prefer orchestrated predictable treasury management over pure instant execution. Pål then takes a nostalgic look back at the lost optionality of forward-dated checkbooks right before being reminded about what is actually legal and what is not.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Fintech Daydreaming- Email us on Hello@FintechDaydreaming.com- Fintech Daydreaming home page - https://www.FintechDaydreaming.com- 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, 202643 min
The Cloud, The Branch, and The Algorithm | Nordic Fintech Highlights August 2026
Welcome back to another edition of Nordic FinTech Highlights! This month, Pål and Janne are joined by a heavily jet-lagged Ville, who is battling through Zoom technical gremlins after an eight-day trip to the US West Coast. Fresh off a stateside marathon of exceptional progressive house and trance music, Ville powers through to help cover the biggest August headlines across the Nordic fintech landscape.In this episode, we break down:Avanza’s Algorithmic Ambitions: A look into Avanza Sigma, a new discretionary portfolio management service targeting high-net-worth individuals in Sweden with a low-fee structure. We debate the growing trend of AI-driven investments and whether humans are still in the loop behind the scenes.Ericsson & MTN’s Cloud Migration: Ericsson is moving its massive mobile money platform for MTN Group to the public cloud. We discuss the trade-offs between incredible cloud-native performance gains and the long-term reality of hyperscaler vendor lock-in.Revolut’s Push for a Finnish Branch: Revolut is applying for a branch license in Finland to finally offer local IBANs to its 250,000+ Finnish customers. We explore what this means for local e-invoicing, salary deposits, the strong authentication ecosystem, and the future of primary banking relationships.Finally, stick around to the very end to hear Janne’s latest terrible dad joke about the new €2 commemorative coins. You might regret doing so, but at least we warned you.Episode hosted by Pål Krogdahl, Ville Sointu & Janne SalminenEpisode produced and edited by Fintech Daydreaming- Email us on Hello@FintechDaydreaming.com- Fintech Daydreaming home page - https://www.FintechDaydreaming.com- 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/
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About Fintech Daydreaming
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.
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