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
Alisa Bank
Digital Identity
Cryptocurrency
SME Banking
Revolut
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 monthlyEpisodes138Founded6 years ago
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Artwork for Fintech Daydreaming

Latest Episodes

We are out of the studio, trying our best to look respectable, and recording live in front of a real, breathing audience at the Nordic Fintech Summit right here in Helsinki! If you hear cheering, it’s probably for the free coffee, but we’ll pretend i... more

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

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Recent Guests

Monika Liikamaa
Founder and chair at Liikamaa Invest; fintech veteran
Liikamaa Invest
Episode: Live from the Nordic Fintech Summit | Nordic Fintech Highlights May 2026
Tuomas Toivonen
CEO of Holvi; co-founder
Holvi
Episode: Live from the Nordic Fintech Summit | Nordic Fintech Highlights May 2026
Fabian Klar
Regional sales manager at ERI; core banking provider representative
ERI
Episode: Live from the Nordic Fintech Summit | Nordic Fintech Highlights May 2026
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
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

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
#249
United Kingdom/News/Tech News
Apple Podcasts
#10
Ukraine/News/Tech News
Apple Podcasts
#20
Finland/News/Tech News
Apple Podcasts
#87
Denmark/News/Tech News
Apple Podcasts
#126
New Zealand/News/Tech News
Apple Podcasts
#158
Colombia/News/Tech News
Apple Podcasts
#159
Norway/News/Tech News
Apple Podcasts
#162
Netherlands/News/Tech News
Apple Podcasts
#170
Sweden/News/Tech News
Apple Podcasts
#183
Ukraine/News
Apple Podcasts
#212
Austria/News/Tech News
Apple Podcasts
#216
Taiwan/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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These podcasts share a similar audience with Fintech Daydreaming:

1. Fintech Takes
2. WSJ Tech News Briefing

How many episodes of Fintech Daydreaming are there?

Fintech Daydreaming launched 6 years ago and published 138 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. Monika Liikamaa
2. Tuomas Toivonen
3. Fabian Klar
4. Baard Slaattelid
5. Markus Niemi-Mikkola
6. Joonas Tomperi
7. Dr. Praag Sharma
8. Riikka Laine-Tolonen

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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