Rephonic
Artwork for Fintech Daydreaming
Fintech
Nordic Fintech
Embedded Finance
Open Banking
Payments
Stablecoins
Klarna
Digital Euro
Regulation
Compliance
Central Bank Digital Currencies
Financial Literacy
Decentralized Finance
Nordic Fintech Summit
Digital Identity
Alisa Bank
Cryptocurrency
Revolut
SME Banking
Mergers and Acquisitions

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 an... more

PublishesTwice monthlyEpisodes137Founded6 years ago
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Artwork for Fintech Daydreaming

Latest Episodes

In this episode of Fintech Daydreaming, Ville and Pål are joined by Riikka Laine-Tolonen, CEO of S-Pankki: a bank that started from grocery shopping and somehow ended up managing billions.

Riikka walks us through the origin story of S-Pankki - born ... more

Welcome back to another monthly Nordic Fintech Highlights episode of Fintech Daydreaming! In this one, your hosts start off by complaining about what a slow news month it was—only to be immediately corrected by Janne, who points out that April was ac... more

In this episode of Fintech Daydreaming, Ville and Pål are joined by Baard Slaattelid from Vipps MobilePay - a man who casually drops phrases like “closed-loop wallet,” “payment potato,” and “we accidentally enabled cross-border in five minutes” like ... more

In this episode of Fintech Daydreaming, Ville, Pål, and Janne are back with another round of Nordic Fintech Highlights—recorded somewhere between back-to-back meetings, holiday travel plans, and at least one log cabin in the Finnish wilderness (buffe... more

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Recent Guests

Baard Slaattelid
Director of Strategic Payment Partnerships at Vipps MobilePay
Vipps MobilePay
Episode: Tap, Merge, Repeat! with Baard Slaattelid from Vipps MobilePay
Markus Niemi-Mikkola
Chief Procurement Officer, Savings Bank
Savings Bank (Finland)
Episode: One Does Not Simply... Buy from Fintechs with Markus Niemi-Nikkola, Chief Procurement Officer, Savings Bank
Joonas Tomperi
CEO and co-owner/CEO of Enable Banking
Enable Banking
Episode: APIs, Grit and the Finnish Founder Mindset with Joonas Tomperi from Enable Banking
Aleksi Grym
Head of Payment Systems Department at the Bank of Finland
Bank of Finland
Episode: Stablecoins, CBDCs, and Finland’s 1990s Warning Shot with Aleksi Grym
Dr. Praag Sharma
Leader of Citi's Artificial Intelligence Center of Excellence
Citi
Episode: Live from Nordic Banking Forum 2025
Riikka Laine-Tolonen
CEO of S-Bank
S-Bank
Episode: Live from Nordic Banking Forum 2025
Jarkko Mäensivu
President of Saldo Bank
Saldo Bank
Episode: Live from Nordic Banking Forum 2025
Rik Coeckelbergs
Founder and Managing Director of The Banking Scene
The Banking Scene
Episode: Aristotle Walks Into a Bank with Rik Coeckelbergs
Janne Salminen
Expert in Nordic fintech
Episode: AI Everywhere, Crypto Creeping Back, & Klarna Being Klarna | Nordic Fintech Highlights October 2025

Hosts

Pål Krogdahl
Host of Fintech Daydreaming / Co-host of Fintech Daydreaming (various episodes)
Ville Sointu
Co-host of Fintech Daydreaming / Host of Fintech Daydreaming (various episodes)

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#187
Canada/News/Tech News
Apple Podcasts
#197
United Kingdom/News/Tech News
Apple Podcasts
#11
Finland/News/Tech News
Apple Podcasts
#49
New Zealand/News/Tech News
Apple Podcasts
#66
Sweden/News/Tech News
Apple Podcasts
#86
Denmark/News/Tech News
Apple Podcasts
#95
Finland/News
Apple Podcasts
#97
Norway/News/Tech News
Apple Podcasts
#100
Ukraine/News/Tech News
Apple Podcasts
#153
Colombia/News/Tech News
Apple Podcasts
#172
Taiwan/News/Tech News
Apple Podcasts
#205
Austria/News/Tech News
Apple Podcasts
#211
Netherlands/News/Tech News

Talking Points

Recent interactions between the hosts and their guests.

One Does Not Simply... Buy from Fintechs with Markus Niemi-Nikkola, Chief Procurement Officer, Savings Bank
Q: What is one piece of advice you'd give to an early-stage fintech founder?
Believe in what you are doing, because when you do, others will notice and become interested; focus on credibility, delivery readiness, and a clear value proposition that aligns with the bank's business goals.
One Does Not Simply... Buy from Fintechs with Markus Niemi-Nikkola, Chief Procurement Officer, Savings Bank
Q: Where should an early-stage fintech founder go to engage with a bank?
Start by identifying a modern procurement or business development team that sees possibilities, then contact them with a concise pitch that crystallizes how the fintech's solution can be used by customers; if one channel is slow, reach out to multiple points of contact including line of business and procurement.
One Does Not Simply... Buy from Fintechs with Markus Niemi-Nikkola, Chief Procurement Officer, Savings Bank
Q: What do you see fintechs underestimating when trying to engage with banks?
Fintechs often underestimate the importance of the business case, long-term maintenance, and security requirements; banks look for a clear value proposition and a feasible plan for ongoing support, not just a great initial product.
Live from Nordic Banking Forum 2025
Q: What is the future of payments?
Payments are becoming faster and more connected, but with more speed comes the risk of fraud.
Live from Nordic Banking Forum 2025
Q: How does Citi look at a future where the consumer potentially sees their window into their financial world being through a chatbot?
For us, we want our agents to reflect our personality, to reflect what we stand for as an organization.

Audience Metrics

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Frequently Asked Questions About Fintech Daydreaming

What is Fintech Daydreaming about and what kind of topics does it cover?

This show analyzes fintech disruption through focused, topic-led conversations with leaders and practitioners across banking, fintech, and regulation. Episodes consistently surface practical realities around funding, product development, regulatory changes, and the evolving tech stack powering modern financial services. A standout pattern is the Nordic-centric lens on open banking, CBDCs, stablecoins, and AI-enabled banking, often punctuated by candid takeaways from founders, bankers, and policymakers. The format tends to mix founder stories, industry moves, and strategic implications for incumbents and startups alike, making it a solid listen for professionals scouting trends, partnerships, and investment opportunities in fintech. Listener... more

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1. a16z crypto show

How many episodes of Fintech Daydreaming are there?

Fintech Daydreaming launched 6 years ago and published 137 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Fintech Daydreaming?

Recent guests on Fintech Daydreaming include:

1. Baard Slaattelid
2. Markus Niemi-Mikkola
3. Joonas Tomperi
4. Aleksi Grym
5. Dr. Praag Sharma
6. Riikka Laine-Tolonen
7. Jarkko Mäensivu
8. Rik Coeckelbergs

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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