In this episode of Fintech Daydreaming, Pål and Ville are joined by Jani Ristimäki from BearingPoint to dive deep into one of the buzzwords of the moment—embedded finance. Spoiler alert: it’s already here, and it’s changing the game for banks, fintechs, and consumers alike.

From payments baked seamlessly into apps to financial services appearing in places you’d never expect, we break down what embedded finance really means and why it’s the future. Will banks survive this shift, or are fintechs taking over the new customer touchpoints? And how does it all impact you—the everyday user who just wants to sustainably and intelligently finance your next purchase without thinking about it too much?

If you find yourself sometimes wondering whether banking will become entirely invisible or if banks are going to lose touch with their customers as a result - this might be an episode for you. Tune in for a lively discussion packed with smart insights, terrible humor, and plenty of speculation about what’s next in the world of fintech.

We’re back with another Nordic Fintech Highlights episode, and this time it’s practically drenched in pink, thanks to Klarna's dominant presence! Pål and Ville, along with the ever-insightful Janne Salminen from Helsinki Fintech Farm, dive into the latest Nordic fintech stories making waves.

First, Pål kicks off with IKEA’s intriguing foray into the second-hand market with IKEA Preowned. A marketplace for upcycled furniture? It’s sustainability meets e-commerce, with IKEA finding clever new ways to make us assemble our lives—again.

Next, Janne unpacks Klarna’s big news: after years of massive spending and headline-making drama, they’ve finally turned a profit. It’s like watching a fintech unicorn finally come of age—but don’t worry, they’re still as stylish as ever.

Ville wraps things up with Klarna’s latest move—offering full-on payment accounts for customers. Channeling some serious African mobile money vibes, Klarna is now aiming to go beyond “buy now, pay later” and take on the banks at their own game. But will this bold move succeed, or is it just another flex from the fintech giant?

Tune in for this “fifty shades of pink” episode of Fintech Daydreaming, where we break down the Nordic fintech scene with a heavy Swedish twist. If you're into Nordic fintech and aren’t afraid of a little disruption, this one’s for you!

Fintech Daydreaming continues season ten with an anticipated comeback —welcoming back Chris Skinner, the legendary fintech thinker, for the first time in five years! Pål and Ville sit down with Chris to dive into his latest book, “Intelligent Money: When Money Thinks for You.”

In true Skinner style, we’re exploring a future where money isn’t just a tool—it’s an intelligent partner, anticipating your needs before you even ask. From automating everyday transactions to revolutionizing global finance, programmable money could transform everything we know about how money moves. But can money really be programmable and how does all of this relate to what central banks are working on with their digital currency plans?

We unpack all of this and the big ideas behind the book, diving into how intelligent networks and AI are reshaping finance, and why Chris believes the future lies in smarter, more personalized, and maybe even self-aware money. (Yes, the robots are eyeing your wallet—but don’t worry, it’s a good thing!) ‌

If you’re curious about the future of finance, eager to see where fintech is headed, or just want to hear Chris Skinner drop some fintech wisdom, this episode is for you. Plug in and join us as we explore the next frontier—where money doesn’t just talk, it thinks.

After a well-deserved summer break, Fintech Daydreaming is back and ready to dive into the latest buzz from the Nordic fintech world! Pål and Ville, alongside our trusty guest co-host Janne Salminen from Helsinki Fintech Farm, are kicking off the new season with a roundup of stories that are making waves in the industry.

First up, Pål breaks down the exciting news of Gimi partnering with Nordea. It’s like the fintech equivalent of a summer fling turning into something serious—a partnership designed to teach the next generation about financial literacy, with a side of cutting-edge tech.

Janne then takes us into the world of AI with AlphaSense, who just closed a whopping $650 million investment round. With a valuation hotter than a midsummer sauna and a deal to acquire rival Tegus, this AI startup is definitely not taking a vacation from making headlines.

Ville wraps things up by diving into the retro-steampunk(ish) world of biometrics in payment cards. Swedish biometrics company Fingerprints and IN Groupe have teamed up to launch a biometric payment card with a fingerprint sensor built in. Imagine paying for your morning coffee with just a tap of your thumb—no PIN, no hassle, no phone, no watch, just the card.

So, dust off the sand from your shoes and tune in for this season premiere of Fintech Daydreaming. We’re back with fresh insights and a little bit of that Nordic flair to keep you ahead of the curve in the ever-evolving world of fintech. Grab your headphones, settle in, and let’s dive back into the deep end!

As the Nordic sun lingers in the sky, signaling the start of summer, Fintech Daydreaming brings you a season finale packed with the latest and greatest from the financial technology front. Join Pål, Ville, and our beloved guest co-host Janne Salminen from Helsinki Fintech Farm for one last hurrah before we all take a well-deserved summer break.

In this episode, Pål dives into the fresh collaboration between Aktia and Swedbank in Finland. This partnership is like the unexpected summer hit of the year—potentially game-changing and with a catchy tune of enhanced financial services that might just stick in your head (or your wallet).

Janne brings to the table some exciting news from Doconomy, a climate fintech startup that's making waves faster than a midsummer lake. With new funding and big plans, they're the environmental warriors of the fintech world, and Janne's got the scoop on how they're planning to green our screens.

Wrapping things up, Ville tackles the intricate and often murky waters of digital currencies. With Reltime enabling merchants to accept payments in digital currencies and central bank digital currencies globally, it's time to clear the air on all the misinformation floating around. It's a bit like trying to find the truth in a sea of tourist trap reviews.

So, whether you're gearing up for a summer of adventures or just some peaceful nights under the Nordic sky, tune in for this episode of Fintech Daydreaming. It's your guide to the latest fintech trends and a perfect way to cap off the season. We'll be back after the break with more tales from the fintech frontier, but until then, enjoy the sunshine and stay savvy, fintech fans!