Fintech Daydreaming

We finally did it. We recorded an episode about legacy and somehow ended up discussing drones, artillery, aviation safety culture, and why bankers apparently don’t need pockets in their suits.In this episode of Fintech Daydreaming, we’re joined by Erik Åkesson to unpack one of the most overused and misunderstood words in banking: legacy.Is it the root of all evil?Or is it actually the thing keeping the whole system standing?Erik brings a refreshingly broad perspective (and about 20 years of banking experience) to the table, drawing parallels from:Military strategy (yes, really)Aviation and safety cultureAnd the everyday reality of running a bank with systems older than some of its employeesWe explore:Why “legacy” isn’t just bad code, but the situation you’re in because of your historyHow banks might be underinvesting in understanding their current state (while overinvesting in PowerPoint futures)Whether AI is actually solving legacy problems… or just becoming the latest shiny objectAnd why improving your existing systems by 3% might matter more than launching the next flashy use caseNaturally, things got slightly heated towards the end as we debated what matters more:👉 defining the target state👉 or truly understanding where you are today(No clear winner. Just strong opinions. As usual.)Also:We recorded this before summerYou’re listening to it nowAnd we still don’t know how that keeps happening🎧 If you’ve ever worked in banking, fintech or tried to modernize anything without breaking everything this one’s for you.💬 Let us know: is legacy your biggest constraint or your biggest advantageEpisode 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/

October brought AI hype, digital euro déjà vu, and the shocking return of crypto — which means it was just another totally normal month in Nordic fintech.Pål, Ville, and Janne reunite to unpack the biggest stories from the Helsinki Fintech Farm newsletter. Spoiler: every startup is now an AI company. From automated compliance tools to AI-powered CFOs and even kiosks that buy your old phone via Swish — if it’s got electricity, someone’s calling it AI.Meanwhile, Klarna is back in the headlines with a new subscription model that makes Ville long for more gamified tiers, Pål rant about paying to breathe, and Janne quietly celebrate another strong month for dad jokes. The trio also tackle the ECB’s digital euro saga — now entering its “we promise it’s still happening” phase — and Nordea’s cautious dip into crypto trading, which Ville swears has absolutely nothing to do with his day job.Your biweekly dose of fintech group therapy is here — complete with skepticism, sarcasm, and just enough substance to make it count. In other words: business as usual at Fintech Daydreaming.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 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/

In what might be our most meta episode yet, Pål, Ville, and Janne sat down to unpack the biggest Nordic fintech stories of September — only to realize halfway through that we’d forgotten to hit record. So yes, this episode is technically the sequel to the lost masterpiece that no one will ever hear.Once we finally remembered to press the big red button, things got back on track (mostly). Ville’s voice barely survived another deep dive into stablecoins — a topic now reaching “say it one more time and I scream” levels. Pål compared digital euros and euro stablecoins like a true survivor of SIBOS, and Janne tried to restore order with AI funding rounds, Revolut’s Nordic comeback, and an ePassi expansion story that proves the Finns can scale just fine without the metaverse.There’s even the obligatory terrible fintech joke, a bit of croaky small talk, and an awkward realization that maybe we talk about stablecoins more than our families.All in all: it’s chaotic, it’s geeky, it’s pure Fintech Daydreaming — take two.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 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/

Forget the usual schedule — Ville and Pål hit the big red button and jumped on the mics less than 24 hours after nine European banks dropped their bombshell: a MiCA-compliant euro stablecoin.Fresh off a late flight from Copenhagen (and still running on coffee and questionable airport snacks), we dive straight into the questions everyone’s asking:.- Do we actually need a bank-issued euro stablecoin?.- Why are Danske and SEB — two banks outside the eurozone — in on the action?.- Is this the next chapter of money… or just a rerun of 19th century wildcat banking with shinier marketing?Expect a crash course in what stablecoins really are, why this joint venture might matter (or not), and plenty of healthy skepticism about timelines, use cases, and whether anyone will actually use these coins outside PowerPoint decks.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 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/

We’re going to Copenhagen! Fintech Daydreaming is an official podcasting partner of the Nordic Fintech Week, and to kick things off Ville and Pål are joined in this pre-event episode by David Grundy (COO, Copenhagen Fintech) and Marie Louise Roth (Head of Partnerships, Copenhagen Fintech) for a sneak peek at what’s brewing in the Danish capital. We talk key themes, the rise of Copenhagen as a fintech hotspot, and why Nordic Fintech Week is no longer just a local gathering but a global fintech magnet.Expect behind-the-scenes stories, some honest chat about what it really takes to pull off an event of this scale, and a preview of the big debates coming up — from regulation to AI to the ever-slippery concept of “partnership.”A lively warm-up for the main event — with the usual Fintech Daydreaming mix of curiosity and (somewhat) questionable humor.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 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/

Season 12 blasts off with Tony McLaughlin – payments visionary, fintech provocateur, and freshly minted CEO of Ubyx.We go deep on stablecoins as the next general-purpose technology, why the legal wrapper matters more than the code, and how the industry’s plumbing – clearing, settlement, trust – will quietly decide the winners. Tony shares why permissionless networks aren’t the enemy of banks, how blockchain skepticism can turn into advocacy, and what it really takes to make digital money work at scale.From “vinyl to Spotify” money analogies to the occasional dad joke detour, it’s part masterclass, part reality check – and a reminder that the future of payments might be closer than your last coffee tap.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 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/

Sun’s out, fines out! In this sizzling episode of Fintech Daydreaming and Helsinki Fintech Farm Nordic Fintech Highlights, Ville, Janne, and Pål serve up a refreshing mix of Nordic fintech news—with a splash of sarcasm and a shot of hydration advice.💳 Enfuce declares war on fraud with its bold Fortitude Pledge to eliminate financial crime. The gang debates whether 100% fraud prevention is ambitious, admirable—or just asking for trouble.📊 S-Bank + Swiss robo-advisors = potential wealth tech magic? Or just more “index funds for your loyalty points”? We’ll let you decide.🔌 Offline payments make a comeback, not with retro card swipers (yet), but with serious moves from Nordic central banks to boost resilience before the digital euro shows up… eventually.Also featuring: marathon-induced dehydration, questionable fintech jokes, and the reminder that yes—cash is still a thing but perhaps not a king anymore.Like, share, hydrate, and subscribe. This is Fintech Daydreaming.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Femi Apanishile- 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/- Femi Apanishile - https://www.linkedin.com/in/femi-apanishile-935a74a1/