Pål Krogdahl and Ville Sointu

Fintech Daydreaming

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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.

Author

Pål Krogdahl and Ville Sointu

Episodes

Dreaming of a white Christmas 18.12.2020 33:56

Year 2020 is coming to a close and it’s time for the season two finale of Fintech Daydreaming. in this episode Pål Krogdahl and Ville Sointu sit down in their brand new studio with some Christmas themed beverages and take a look back at past episodes and the journey of how the show has evolved during the year. We would like to warm heartedly thank all our loyal listeners and the fantastic guests w...

Blockchain Daydreaming 04.12.2020 46:28

In this episode Pål Krogdahl and Ville Sointu talked to Dr. Keir Finlow-Bates, who is a researcher, author and a real life inventor with a portfolio of patents to his name. The lineup for this one was two thirds Brits living in Finland, which obviously meant we got to talk about the weather a lot but also covered everything from Bitcoin to Ethereum to DeFI and even a bit about central bank digital...

Another episode(6) in cloud native core banking 20.11.2020 31:01

Episode eight with Episode Six! Everything from the myth of programmable money to trying to recall quotes from Jack Ma and Bill Gates were on the agenda when Pål Krogdahl and Ville Sointu were joined by Ian Kerr, who is the Regional Director, EMEA at Episode Six ( https://episodesix.com ). Guest: Ian Keer, Regional Director, EMEA, Episode Six ( https://www.linkedin.com/in/ianmkerr/ ) - Fintech Day...

LIVE episode! To CBDC or not to CBDC, what was the question? 06.11.2020 31:23

In this special episode of Fintech Daydreaming we were recording with a live audience for the very first time in our show's short history. To add to the excitement our fantastic guest Johanna Lybeck from Nordea gave us an economist perspective into central bank digital currencies and more. Did our hosts, Pål Krogdahl and Ville Sointu make it out of the live recording without major injuries? Did th...

Data flows and predictable outcomes - making sense of AI in banking 23.10.2020 38:01

We are back with episode six of season two of Fintech Daydreaming! For this chapter in the Fintech Daydreaming saga Pål Krogdahl and Ville Sointu were joined by Rasmus Thomsen from Flowtale, a Danish tech startup focusing on data insights and predictive analytics. Could we have created an algorithm to predict all the fun things we learned from Rasmus? Probably not. At least not the parts related t...

Clouds on the horizon - navigating banks towards brighter skies 09.10.2020 38:08

Episode five of season two is here and we continue our epic streak of C-level executives visiting the show. Our guest this time is Howard Boville who is currently the Senior Vice President of Hybrid Cloud at IBM and the former CTO at Bank of America where he was among many other things overseeing their transition to a modern cloud infrastructure. Cloud puns, police sirens (!) and heavy hitting ban...

Extreme Digitisation in Banking, same same but different? 25.09.2020 45:46

Welcome to Fintech Daydreaming Season 2, Episode 4... An old friend of both Pål Krogdahl and Ville Sointu popped in to have a chat about all things bank digitalization as the former CDO of Nordea and current Chief Transformation Office of Sohar International Ewan MacLeod visited us and shared the story of how he ended up in sunny beaches of Oman. Tune in to hear Ewan talk about how bank digitaliza...

20 years of bridge building in digital financial services 13.09.2020 32:30

Welcome to season 2, episode 3 of Fintech Daydreaming! In this episode Pål Krogdahl and Ville Sointu had the privilege to talk to Elina Mattila, who is the executive director of Mobey Forum - a non-profit organization that has been part of setting the stage for digital financial services all the way since year 2000. Join us to find out where the name Mobey comes from, what's the secret ingredient...

Making dumb money smart - a look at programmable money and digital currency 28.08.2020 53:52

Episode 2 of season 2 is here, and in this instalment of Fintech Daydreaming Pål Krogdahl and Ville Sointu catch up with an old - Jack Nikogosian from Aryze to talk about all things smart money, and to return to some old debates Jack and Ville had in 2019 (see the linked YouTube video). Did we actually agree on anything in this show? Did Jack get a chance to revisit the topics Ville and him debate...

What is central bank digital currency and why does it matter? 14.08.2020 44:45

We're back after the summer break with season 2 of Fintech Daydreaming ! In this episode Pål Krogdahl and Ville Sointu go straight into the weeds of financial market infrastructure with our guest Olaf Ransome and talk about how interoperable digital cash could very well be the magic ingredient to make it all go faster. Also featuring some truly bad jokes. We're sorry about that. Guest: Olaf Ransom...

The hip and trendy Fintech scene in Finland 03.07.2020 38:43

Welcome to episode 5 of Fintech Daydreaming! In this episode, Pål Krogdahl and Ville Sointu were joined by Janne Salminen, Director of Fintech Farm at HUB13 to discuss the growing Fintech scene in Finland. Fintech Farm - https://www.helsinkifintech.fi/ Fintech Daydreaming will now be taking a summer vacation, but will be back with a new episode during August. Have a great summer! Pål Krogdahl | ht...

Building a multi-bank business network out of thin air 19.06.2020 41:52

Episode four! We had a chat about all things entrepeneurship, heavy metal music and building something out of nothing with Sami Honkonen , the CEO and Founder of Tomorrow Tech and DIAS - The Finnish real estate trading network. Links mentioned in the show: DIAS - https://dias.fi/ Tomorrow Tech - https://tomorrow.fi/ Helsinki Fintech guide, with DIAS case study: https://www.helsinkifintech.fi/news/...

To Core Banking or not to Core Banking, is that a question? 05.06.2020 38:11

Episode 3 of Fintech Daydreaming is here! In this episode, Pål Krogdahl and Ville Sointu are joined by Tom Bently, Sales Director at Thought Machine ( https://thoughtmachine.net/ ) to discuss the future of Core Banking systems.

One does not simply talk about the Blockchain 22.05.2020 35:48

Episode two!  Pål Krogdahl and Ville Sointu welcome their first live guest: David Grundy, Nordic Blockchain thought leader, to have a conversation about all things blockchain. Links mentioned in the episode :  - “Cloud crypto land” (on legal validity of smart contracts on a blockchain) https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3476678  - Updated Libra Association white pap...

Fintech Daydreaming S01E01 - Introduction and Covid-19 08.05.2020 29:57

Episode one! Welcome to Fintech Daydreaming - a podcast for anyone interested in technology, financial services - or both. In this episode Pål Krogdahl and Ville Sointu give a brief introduction to the podcast series and chat about - you guessed it - the COVID-19 pandemic and its impact on banks.