AI Everywhere, AML Under the Microscope & Banking That Delivers (Literally) | Nordic Fintech Highlights February 2026

Another month, another set of headlines quietly orbiting the same big question:

Where does AI actually change the game and where does it just sit on top of old problems?

In this Nordic Fintech Highlights episode, Ville, Pål and Janne connect three very different stories through a familiar thread: automation is moving fast, but reality is still catching up.

On the agenda:

Janne: Lunar x Wolt.Banking perks meet delivery platforms as Lunar partners with Wolt across the Nordics. Beneath the lifestyle angle sits a bigger question: when financial services blend into daily apps, who owns the customer relationship and what happens when AI starts orchestrating those ecosystems behind the scenes

Pål: Swedbank AML probe.Sweden’s FSA takes a closer look at Swedbank’s AML compliance, reminding everyone that while AI promises smarter monitoring and better detection, financial crime still evolves faster than most dashboards. Regulation remains stubbornly human, even as the tooling gets smarter.

Ville: Basware’s AI agents.Enterprise finance steps into the age of autonomous assistance, as Basware introduces AI agents into procurement and financial workflows. The discussion turns to what happens when machines stop just analysing data and start taking action and whether back-office functions are quietly becoming the most AI-disrupted part of finance.

Along the way, we touch on AI as infrastructure rather than headline feature, the tension between automation and accountability, and the growing sense that fintech’s next battleground may be operational intelligence rather than customer-facing flash.

Smart systems, messy reality: business as usual in fintech.

Episode hosted by Pål Krogdahl, Ville Sointu & Janne Salminen

Episode produced and edited by Fintech Daydreaming

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- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/

- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/