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Fintech Daydreaming

Fintech Daydreaming

By Pål Krogdahl & 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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Financial literacy with Philip Haglund
In this episode Pål Krogdahl and Ville Sointu have a chat with Philip Haglund, a former professional soccer player turned fintech CEO, whose company Gimi is doing the ever important work of financial education for children by embedding banking services to a smart package that kids understand and prefer to use . Listen in and find out how we butcher several soccer team names and learn all about what financial inclusion is in practice. Guest: Tam Holmes (https://www.linkedin.com/in/philip-haglund-a52855b/) - 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/
38:13
April 16, 2021
Do you need a core in a coreless world? with Tam Holmes
In yet another properly fintech-nerdy episode of Fintech Daydreaming, Pål Krogdahl and Ville Sointu had the pleasure to talk to Tam Holmes from 10x. Hard core 🤟 or no core 🤷‍♀️ - tune in to hear how 10x sees the evolution of banking infrastructure and most importantly: where does the name 10x come from? Guest: Tam Holmes (https://www.linkedin.com/in/tam-holmes-8a9496/) - 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/ Sponsorships: off for this episode
34:48
April 1, 2021
Identity is the new NFT with Dave Birch
So good we're almost tempted to create an NFT of this episode! Dave Birch joined Pål Krogdahl and Ville Sointu from his hometown of Woking to lead a tour of all our favorite topics: digital identity, cryptocurrencies, digital currencies and yes, non-fungible tokens. Guest: Dave Birch (https://www.linkedin.com/in/dgwbirch/) Links mentioned in the episode: - "The future of payments" - Dave's presentation in Mobey Forum June 2010 https://mobeyforum.org/members-area/presentations-archive/2010-jun-helsinki/ - Tulips, steam and decentralised finance https://blog.dgwbirch.com/?p=1000 - Bitcoins stay dirty, no matter how much you launder them https://blog.dgwbirch.com/?p=1013 - 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/
46:34
March 19, 2021
Are the banks dead? Long live banking! with Jim Marous
We continue our high flying fintech superstar series in season three of Fintech Daydreaming with Jim Marous as our guest. Jim is not only a fintech superstar for us nerds in this space but has also featured on several occasions in mainstream media like CNN, CNBC, The Wall Street Journal and New York Times. Obviously his next stop was our podcast. Join our hosts Pål Krogdahl and Ville Sointu this week for a taste of inappropriate geriatric banker jokes and insightful views into fintechs, bigtechs and financial super apps. Guest: Jim Marous (https://www.linkedin.com/in/jimmarous/) Links mentioned in the episode: https://thefinancialbrand.com/author/jimmarous/ https://www.mastercard.com/news/perspectives/2021/why-mastercard-is-bringing-crypto-onto-our-network/ - 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/
45:12
March 5, 2021
The past, present and future of trust networks with Richard G Brown
Season three continues with a bang as Pål Krogdahl and Ville Sointu are joined by Richard G Brown, the CTO of R3, for a thought provoking discussion about the past, present and future of Blockchain and Distributed Ledger Technology based trust networks. Links mentioned in the episode: R3 Conclave: https://www.r3.com/platform-conclave/ Tesla buys $1.5 billion in bitcoin, plans to accept it as payment: cnbc.com/2021/02/08/tesla-buys-1point5-billion-in-bitcoin.html - 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/
38:14
February 19, 2021
Back to the Future, Banking 4.0 style with Brett King
Season three of Fintech Daydreaming continues with a bang as we welcome a true fintech celebrity as our guest: Brett King really needs no introduction and it's safe to say our hosts, Pål Krogdahl and Ville Sointu were just a little bit excited to have a chat with him about everything fintech and emerging technologies. Guest: Brett King (https://www.linkedin.com/in/brettking/) Links mentioned in the episode: https://moven.com/ https://provoke.fm/show/breaking-banks/ https://www.amazon.com/s?k=brett+king - 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/
48:32
February 5, 2021
Moving forth in financial services: Bank 4.0, Industry 4.0 and the fourth industrial revolution
Pål Krogdahl and Ville Sointu are back for season three of Fintech Daydreaming and got off to a great start with our first guest of the season, Johan Hörmark, who is working with strategic business development at SEB's wholesale banking division. Tune in to check out the new format, and to learn about how banks navigate the future machine economy and how a cargo train almost stopped the fourth industrial revolution (!). Guest: Johan Hörmark (https://www.linkedin.com/in/johanho/) Links mentioned in the episode: https://combient.com/post/on-the-edge https://productive40.eu https://www.businessinsider.com/whatsapp-forcing-users-to-share-personal-data-facebook-elon-musk-2021-1?r=US&IR=T - 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/
34:38
January 22, 2021
Dreaming of a white Christmas
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 we have had during 2020 for season 1 and 2 of the podcast: S01:E01 - Hello with Pål and Ville S01:E02 - David Grundy / Danske Bank S01:E03 - Tom Bentley / Thought Machine S01:E04 - Sami Honkonen / DIAS & Tomorrow Tech S01:E05 - Janne Salminen / Fintech Farm S02:E01 - Olaf Ransome / Independent (former USC) S02:E02 - Jack Nikogosian / Aryze S02:E03 - Elina Mattila / Mobey Forum S02:E04 - Ewan Macleod / Sohar International S02:E05 - Howard Boville / IBM S02:E06 - Rasmus Thomsen / Flowtale S02:E07 - LIVE with Johanna Lybeck Lilja / Nordea S02:E08 - Ian Kerr / Episode Six S02:E09 - Keir Finlow-Bates We here at Fintech Daydreaming would like to wish you all a fantastic Christmas and a Happy New Year! If you want to give us a Christmas present, then please help us grow on YouTube by smashing the like button and subscribing to our channel. Join us again in January for season three! - 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/
33:56
December 18, 2020
Blockchain Daydreaming
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 currencies. Guest: Keir Finlow-Bates (https://www.linkedin.com/in/keirf/) Links mentioned in the episode: https://www.thinklair.com https://www.coindesk.com/defi-protocol-pickle-finance-token-loses-almost-half-its-value-after-19-7m-hack - 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/
46:28
December 4, 2020
Another episode(6) in cloud native core banking
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 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/
31:02
November 20, 2020
LIVE episode! To CBDC or not to CBDC, what was the question?
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 the audience in virtual attendance react to the attempted abysmal banking humor? All this and more in this week's episode. Guest: Johanna Lybeck, Executive Advisor, Nordea (https://www.linkedin.com/in/johanna-lybeck-lilja-09300428/) Links mentioned in the episode: - Avant Cash, the 90s era central bank digital currency: https://davidgerard.co.uk/blockchain/2020/01/25/avant-card-a-central-bank-digital-currency-from-1990s-finland/ - The Digital Euro paper by ECB: https://www.ecb.europa.eu/euro/html/digitaleuro.en.html - European Commission proposal for crypto asset regulation (MiCA): https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:52020PC0593 - 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/
31:23
November 6, 2020
Data flows and predictable outcomes - making sense of AI in banking
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 to controlled detonation of IoT devices. If that didn't make any sense to you at all there's really no option but to listen to this week's episode 💥 Guest: Rasmus Thomsen, Partner, Flowtale (https://www.linkedin.com/in/rasmushanbergthomsen and https://flowtale.ai) Do you have a great banking related joke to share? ping us on LinkedIn or Twitter with the joke and we will read it out in a future episode and give you a shout out at the same time... 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/
38:01
October 23, 2020
Clouds on the horizon - navigating banks towards brighter skies
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 bank IT strategy commentary all wrapped up in a podcast episode hosted as usual by Pål Krogdahl and Ville Sointu - there’s really no reason not to listen in this week! Guest: Howard Boville - Senior Vice President, Hybrid Cloud, IBM (https://www.linkedin.com/in/howardboville) 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/
38:09
October 9, 2020
Extreme Digitisation in Banking, same same but different?
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 digitalization works in practice and whether or not C-level digital leaders regularly listen to Fintech Daydreaming. Guest: Ewan Macleod, Chief Transformation Office, Sohar International (https://www.linkedin.com/in/ewanmacleod/) Links mentioned in the episode: https://361podcast.com https://ewan.net 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/
45:47
September 25, 2020
20 years of bridge building in digital financial services
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 for successful fintech conferences and whether or not Pål successfully lands his joke this time (hint: he doesn't). Guest: Elina Mattila, Executive Director, Mobey Forum (https://www.linkedin.com/in/elinamattila) Links mentioned in the episode: One in four Finns downloaded COVID-19 tracing app in four days (https://www.reuters.com/article/us-health-coronavirus-finland-app/one-in-four-finns-downloaded-covid-19-tracing-app-in-four-days-idUSKBN25U20H) 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/
32:31
September 13, 2020
Making dumb money smart - a look at programmable money and digital currency
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 debated in 2019? Tune in to find out! This episode runs a bit longer than usual because we just couldn't stop talking. We hope you find it worth your time regardless. Guest: Jack Nikogosian (@JackNikogosian, https://dk.linkedin.com/in/jacknikogosian) Links mentioned in the show: Jack & Ville debating future of money - https://youtu.be/yL1NCAF9b_0 Finextra: US seizes bitcoin linked to terror groups - https://www.finextra.com/newsarticle/36395/us-seizes-bitcoin-linked-to-terror-groups Do you have a subject you would like Pål and Ville to cover in a future episode, or would you like to attend as a guest? Then feel free to ping us: .- 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/
53:53
August 28, 2020
What is central bank digital currency and why does it matter?
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 Ransome (https://www.linkedin.com/in/bankersplumber) Links mentioned in the show: Goldman Sachs names new head of Digital Assets (https://www.cnbc.com/2020/08/06/goldman-names-new-head-of-digital-assets-in-bet-that-blockchain-is-the-future-of-financial-markets.html)
44:46
August 14, 2020
The hip and trendy Fintech scene in Finland
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 | https://www.linkedin.com/in/krogdahl/ | https://twitter.com/paulkrogdahl?lang=en Ville Sointu | https://www.linkedin.com/in/ville-sointu-54682b/ | https://twitter.com/ville_s?lang=en Do you have a Fintech subject you would like Ville and Pål to cover in a future episode? or maybe you have a great story to share and would like to join us as a guest? reach out and let us know, we would love to get your input and suggestions...
38:43
July 3, 2020
Building a multi-bank business network out of thin air
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/helsinki-fintech-guide-2020/ Videos of Sami’s work in the death metal industry: https://www.youtube.com/watch?v=NmzK2dKdxmA https://www.youtube.com/watch?v=i-dmqGmkNaA Follow Sami on Twitter: @samihonkonen
41:52
June 19, 2020
To Core Banking or not to Core Banking, is that a question?
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.
38:12
June 5, 2020
One does not simply talk about the Blockchain
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 paper from April 2020: https://libra.org/en-US/white-paper/  - Visa patents digital cash on a blockchain (Forbes) https://www.forbes.com/sites/jasonbrett/2020/05/14/visa-submits-patent-application-for-digital-dollar-using-blockchain/
35:48
May 22, 2020
Fintech Daydreaming S01E01 - Introduction and Covid-19
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.
29:58
May 8, 2020