Fintech Daydreaming

🌟 Welcome to another episode of Fintech Daydreaming, where we navigate the winds of change in 2024! 🚀 This year like every year for many of us begins with a common theme of renewal and transitions, not just in personal lives but also in professional landscapes. As we've noticed, a significant shift happens every year at this time in job markets and career choices – but what's driving this change? 🔍 A staggering 40% of the global workforce is consistently on the lookout for new opportunities, a statistic that paints a vivid picture of the current employment climate. While this level of employee turnover challenges employers' desire for stability, it also opens up a conversation about the importance of employee experience. 📘 In this episode, we're thrilled to have Joey Coleman, a celebrated user experience specialist and the author of “How to Never Lose a Customer Again.” Joey brings his expertise to a new dimension in his latest book, “How to Never Lose an Employee Again.” This thought-provoking publication serves as the foundation of our discussion, providing rich insights into the world of employee experience. 🎧 Join us as we delve into Joey's profound understanding of user experience and its far-reaching impacts – insights so powerful, they might even save your marriage (watch out for his next book, you heard it on Fintech Daydreaming first 😉)! This episode is packed with intriguing ideas and strategies that will transform how you view employee engagement in the fintech sector and beyond. 👉 Tune in now to discover the secrets to retaining top talent and fostering a thriving workplace environment in this ever-evolving industry. Don't miss this casual and fun conversation on Fintech Daydreaming! - 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/

Welcome to 2024 – a year promising fresh innovation and excitement in the fintech world! 🎉 We're thrilled to launch the new season of Fintech Daydreaming, and what better way to start than with a Nordic Fintech Highlights special, in collaboration with our good friends at Helsinki Fintech Farm? 📈 December 2023 was nothing short of extraordinary in the Nordics' fintech scene, brimming with interesting news and developments. With so many significant stories, it was a challenge to pick just a few, but here's a sneak peek of what we've covered: 🦄 ePassi's Milestone: ePassi's valuation has skyrocketed to a staggering one billion euros, marking its entry into the elite unicorn club. 🚗 Klarna's drive-now-pay-later move: Klarna extending its Buy Now, Pay Later (BNPL) services to car rentals. Discover how this expansion is set to impact the automotive rental industry. 🤝 OP and Nordea's Joint Venture: Witness the future of instant payments in Finland, as OP and Nordea join forces in a joint venture, paving the way for seamless financial transactions and e-invoicing. 🔗 Keen to dive deeper? You'll find the complete December Nordic Fintech Highlights, along with a subscription link, at Helsinki Fintech Farm's Newsletter page - https://www.helsinkifintech.fi/news/nordic-fintech-highlights-december-2023/ - 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/

Many things are getting wrapped this Christmas week and one of them is season eight of Fintech Daydreaming. In our traditional end of season episode Pål and Ville reflect on season eight highlights and main takeaways from what we learned in 2023 overall. As we look forward to 2024, questions are abound: Will the new year be a mere repeat of its predecessor, or are we going to see new themes in the fintech landscape? In this episode we take a swing at some predictions, but we're eager to hear yours. Tune in, join the conversation, and share your thoughts on what 2024 might hold for fintech, as well as who you'd like to see as a guest in the upcoming season. Wishing all our listeners a joyous holiday season filled with wonder and inspiration. Happy Holidays from the Fintech Daydreaming team! 🎄💫🎆 - 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/

The holiday season is almost upon us, but that doesn’t mean that the world of Nordic fintech is slowing down - quite the opposite! The Slush conference swept through Helsinki just recently and with it came a lot of fintech goodness for us to discuss in this month’s edition of Nordic Fintech Highlights in collaboration with Helsinki Fintech Farm. Stories we covered in this episode: Enfuce secures a new round of funding Tink partners with Savings Bank Group Bank of Lithuania reveals five year strategy to become a leading country in fintech - 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/

In this episode of the Fintech Daydreaming podcast, co-hosts Ville and Pål are thrilled to host a distinguished guest, best-selling author Sangeet Paul Choudary, the insightful mind behind the book "Platform Revolution." Sangeet joins the conversation to delve into the seismic shifts that platform business models are inducing across the financial sector. In the conversation, Sangeet identifies a compelling pattern in the global economy: a cycle of digitalization that alternates between the unbundling and rebundling of services and industries. He sheds light on the critical role that platforms play in this dynamic, serving as orchestrators and connectors in an increasingly digitally-converged world. We know you never want to miss an episode of Fintech Daydreaming, but this is guaranteed to be the one episode of Fintech Daydreaming you won't want to miss. Listeners eager to dive deeper into Sangeet's thought leadership or wishing to connect with him can explore his body of work and reach out through the following channels: - Uncover insights and strategies on Platform Thinking Labs: https://platformthinkinglabs.com/ - Subscribe to thought-provoking analyses at Platforms Newsletter: https://platforms.substack.com/ - Connect with Sangeet on a professional level via LinkedIn: https://www.linkedin.com/in/sangeetpaul/ - 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/

In this engaging second episode of our collaboration with Helsinki Fintech Farm, we journey once more through the bustling Nordic fintech landscape. Though payments and venture funding may appear routine, the Nordic fintech sector always keeps us on our toes. This time around, we delve into the pivotal role of national infrastructure in fostering fintech adoption, and explore the impact of central bank digital currencies (CBDCs) in our daily lives, probing their actual relevance. And fear not, our tradition of sharing a humorously bad joke continues in this episode, keeping the narrative lively and amusing. Will the joke be exceptionally bad this time? Tune in to find out! - 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/

If embedded banking and finance are the future of financial institutions, will the role of banks become more critical, less significant, or simply transform? Paul Staples, Head of Corporate Embedded Banking at ClearBank, joins hosts Pål Krogdahl and Ville Sointu to delve into the shifting role of banks within digital ecosystems and its long-term implications. From atrocious quantum jokes to insights on machine-to-machine payments, this episode is a must-listen, even if you believe you've already mastered the intricacies of embedded finance. - 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/

The first ever episode of Nordic Fintech Highlights is here! Pål and Ville join Janne from Helsinki Fintech Farm to discuss what’s hot (or not) in Nordic fintech this month. In this episode we discuss: Alphasense becomes the first Finnish fintech biunicorn - AlphaSense, an AI-based market intel firm, snaps up $150M at a $2.5B valuation | TechCrunch Enable Banking partners for pan-European open banking - Enable Banking, CRIF and Strands Forge Strategic Partnership to Revolutionize Open Finance Solutions in the Nordics. Enigio Time secure funding from a top-tier bank for accelerating digital trade - Lloyds Banking Group Invests €3M In Enigio To Support Digital Documentation In Trade | Crowdfund Insider Stay tuned for monthly updates of Nordic fintech news on this channel, and don’t worry - we still stick with bad jokes and of course Fintech Daydreaming will resume regular programming in the next episode 🤓 - 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/

Do you have children? If you do, here’s something to think about: your kids are probably multimillionaires before they ever get their hands on a real bank account. How is this, we hear you ask... This is true because of most kids getting exposure to virtual worlds like games with their own digital economies. But this also creates a financial education challenge when bridging the gap from virtual to real money. Marcus Ivarsson has realised this abstraction of monetary value as a design problem that needs to be solved. As the CEO and founder of Tjing, he and his team are trying to find the right answers to the question: how to make money as understandable and intuitive as cash in a world where everything is digital? Hint: It must be something more than a number on a screen. Join Marcus, Pål and Ville in this week’s episode for all this, a very bad joke and much more! - 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/

"Culture eats strategy for breakfast” is a phrase you hear quite often when talking about developing organisations towards sustainable growth. What happens when the development you need to get done is in a bank and the direction you are taking is invisible banking? How do you cultivate a culture that becomes an environment for innovation in a regulated banking environment? Sudip Khan is the Open Banking Leader in one of Europe’s largest banks, Raiffeisen Bank International (RBI), and is facing this exact dynamic in his daily work. In this episode Sudip talks about how perhaps non-conventional fintech topics like culture, empathy and listening are keys to success -- and of course never checking your customer’s balance. Listen in and learn why! - 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/