

Fintech Daydreaming
Pål Krogdahl and 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.
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.
Episodes
Mentioned books

Jun 19, 2020 • 42min
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

Jun 5, 2020 • 38min
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.

May 22, 2020 • 36min
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/

May 8, 2020 • 30min
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.


