Fintech Daydreaming

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/

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/

Autumn is fast approaching and that means two things: more rain and a fresh new season of Fintech Daydreaming! Season eight of our podcast kicks off on a high note as we welcome CEO of audax, Kelvin Tan for a discussion about the current and future digital banking landscape. Building a digital banking platform in-house in a bank and then packaging it into a product is a journey that builds on the potential of a team that has deep understanding of how banks operate and how to address their needs. Tune in to hear how Kelvin and his team navigated through this journey and created audax. - 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/

Join hosts Pål and Ville in this episode of Fintech Daydreaming as they reflect on the exciting journey of Season 7 and share their plans for Season 8. Season 7 was filled with engaging discussions and insightful interviews, covering topics like ESG and embedded finance. The hosts express their gratitude for the continuous growth and support from their audience, with their LinkedIn page now reaching over 2,000 followers. Looking ahead to Season 8, Pål and Ville discuss the growing significance of generative AI in fintech. They anticipate an increasing demand for large language models tailored for enterprise needs and express keen interest in exploring the intersection of generative AI and compliance in the banking sector. The hosts promise to continue refining their teaser videos and featuring esteemed guests who can shed light on the evolving fintech landscape. Listeners are encouraged to provide feedback and suggestions to ensure Fintech Daydreaming remains an engaging and informative platform. Tune in to this episode for a recap of Season 7, insights into future topics, and stay tuned for Season 8 of 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/

“Everything in this world that can be connected, will be connected” is a phrase that gets thrown around a lot. What many times gets less attention is how exactly will this massive connectivity of machines and things mean for ownership and value chains that are suddenly sources of a lot of very detailed usage data. Linx4 is an Austrian fintech that saw this opportunity and ran with it. Paul Bruckberger is the CEO and one of the founders of linx4 and he joined Pål and Ville to talk about how exactly we can move into a world of usage based business models. Drop us a note in the comment section or any of our social media channels where you tell us the number of things born in Austria that you can spot in this episode and you will get a chance to win an authentic Fintech Daydreaming T-shirt! (very limited supplies, wrong answers only) - 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/

It’s that time of the year again: Pål and Ville took the show on the road and joined the Nordic Fintech Summit in Helsinki as the official podcast partner to bring you this special episode that was recorded live in our own temporary studio on site. Our hot seat was on high demand and we got to speak with a wide range of guests and exhibitors in the summit. Join the fun as we talk to: Janne Salminen, Helsinki Fintech Farm Connor Blake, Personetics Reggie Rusan, eSystems Nordics Alistair Cotton, Integrated Finance Bent Winkel, Thought Machine Chris Crespo, Nordic Fintech Magazine Jonas Qvarfordt, Backbase Ado Fazlic, Neonomics Joakim Botha, Eliq Asya Kruglova, Web3 Builders Stefan Eriksson, Crosskey Thank you to Helsinki Fintech Farm for having us - we’ll definitely be back to the Nordic Fintech Summit next year! - 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/

Stop the press 💥 Banks are late to the party and are just about to join as the cool kids are already heading for the exits 🚪🏃‍♀️ Sounds about right, but which party is it this time? The public cloud. Join Pål and Ville in this episode of Fintech Daydreaming where we are joined by David Heinemeier Hansson, who is the CTO and co-founder of 37signals - the company that has brought you Basecamp. David breaks down their journey in and out of the public cloud and why this path is soon going to be very familiar for more companies, fintechs and banks than we might realize. If you’re a CIO in a bank just about to get on the public cloud journey, you definitely should listen to this one. If you’re not, you probably still want to hear how it all plays 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/

We don't always have fintech superstars as guests, but when we do, they are shining bright. Leda Glyptis joined Pål Krogdahl and Ville Sointu to talk about her own journey in banking and fintech and how it inspired her to write her recently published book "Bankers like us." Surgeon general warning: This episode might give you superpowers - especially if you're working in the trenches of digital transformation in a bank. - 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/

Have you ever wanted to ask a fintech VC what are the ingredients for your company's success and scaling globally? Us too! Pål Krogdahl and Ville Sointu sat down with Prakash Pattni from IBM and Anders Hammarbäck from Antler to talk about the current trends in fintech but most importantly how to take a fintech idea to practical execution and how to get funding. Will we be able to carry out a conversation about fintech trends without spiralling down the crypto debate drain? Are Pål and Ville able to handle two guests at once for the first time? Nothing left to do but to click that play button and listen to this fresh instalment of Fintech Daydreaming to find out! This episode was produced in partnership with IBM. - 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/

Every vehicle needs an Engine, and in case your vehicle happens to be a financial institution you probably should have a listen to this week's episode of Fintech Daydreaming. Chief Commercial Officer of Engine by Starling Nick Drewett joined Pål Krogdahl and Ville Sointu to talk about how the success of Starling Bank in the UK inspired the build-up of Engine by Starling; a software as a service platform that promises that any bank could become the Starling Bank of their own country. Join us for another bi-weekly dose of fintech nerdiness as we get wonderfully lost with Sterling and how they relate to Engines 🤓🙃 - 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/

This special episode of Fintech Daydreaming was recorded live and for the first time ever in front of a live audience at the Mobey Forum member meeting in Vienna.  

Alessio Basso from AWS joined us on stage to discuss one of the hottest topics in fintech right now: superapps. Is this phenomenon just the result of unique circumstances restricted to China or the future of digital ecosystems and service delivery on a global scale? Are superapps actually the next generation of digital wallets or is wallet just a simple feature in something much more complex? 

Join us for the ride as we dash through this and more in this high energy live show 🎢😎  

- 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/

We go above and beyond with Down Under in this week's episode of Fintech Daydreaming as Pål and Ville is joined by Dexter Cousins from Tier One People to talk about the Australian fintech scene 🦘🪃🇦🇺  

Recording an Ozzy episode is an entertaining proposition by default, but on top of that we might have ended up actually learning something about fintech and happy life - we hope you enjoy this discussion as much as we did recording it 😎  

- 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/

SEBx has been the poster child of Nordic bank innovation and subject of endless intrigue from the fintech community since its inception.

The founder of SEBx and current Head of SEB Embedded Christoffer Malmer joined Pål Krogdahl and Ville Sointu on this episode of Fintech Daydreaming to tell the whole story and share his insights to some of the burning questions everyone working with emerging technologies in banks is asking: how did SEBx get off the ground? How to navigate the control environment of an incumbent bank without losing the benefits of building on a clean slate?

Sit back, relax and enjoy this 45 minutes of unfiltered insight straight from ground zero of Nordic digital banking innovation 🍿💡

- 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/

Time is relative and we go quantity over quality in jokes when Pål Krogdahl and Ville Sointu get to host Anders Olofsson in this week's fix of Fintech Daydreaming.  

We jump from bitcoin to central banks, to connection problems, to Wirecard and more in this fast paced episode. Doesn't sound like a plausible script for a podcast but somehow we covered it all in this rollercoaster of an episode that shouldn't bore anyone - so grab the popcorn and enjoy the ride 😄

- 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/

Season seven is here! Our Fintech Daydreaming hosts Pål Krogdahl and Ville Sointu have (mostly) survived the holiday season, and have picked-up right back where we left off in 2022 by starting with one of the most important topics we are all going to be talking about in 2023: ESG in banking and fintech.

Luckily we found just the right expert to tell us all about the ups and downs of the challenge that we're facing in ESG: Adam Thompson spends his days making an impact in this space but managed to spare some time to discuss with us about what the state of affairs looks like right now and what we need to do move the needle in making the world quite literally a better place.

- 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/

Time to wrap up season six of Fintech Daydreaming and see what (if anything) we learned in 2022. In our season finale we at least learn that ChatGPT hype has finally caught up with Pål and Ville, but is there a fintech angle to it at all and what is it good for actually? What about the problems of AI that are certainly going to be front and center with ChatGPT too?  

Sit back, relax, grab a beverage of your own preference and join us for this relaxed wrap-up of this season and don’t worry: we will be back in 2023 for season seven.  

In the meantime: Happy Holidays from all of us at 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/

What do bananas, Finnish sauna, personal finance management and chimpanzees have in common?  

Data, obviously 🤷‍♂️   

Before you ask - have a listen to this penultimate episode of season six where Amir Tabakovic from Experiens.ai joined our hosts Pål Krogdahl and Ville Sointu to educate us about AI, machine learning and data usage in banking. In addition they take a run down memory lane of how Amir got involved with data driven financial services in the first place, and ended up lecturing in universities, and as an author of several papers on the topic.  

You will find Moby Forum publications about emerging privacy enhancing technologies that we refer to in the episode from these two locations:

- The Digital Banking Blindspot - introduction to PETs (https://mobeyforum.org/the-digital-banking-blindspot/) 

- PETs explained (https://mobeyforum.org/privacy-enhancing-technologies/)  

- 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/

How does a global company navigate the perilous landscape of regional regulation and remain competitive? Fintech companies handle a tremendous amount of sensitive and private data that puts them in the centre of this exact question.  

Jeff Parker leads Marqeta's international unit and has a lot to say about how to find answers to difficult data questions that go way beyond just GDPR. Pål Krogdahl and Ville Sointu sat down with Jeff around our virtual Fintech Daydreaming podcasting table and learned all about it.  

Luckily we also remembered to record our conversation, which means you get to listen to all of it today!  

- 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/

Have you ever wondered what happens when you put two recovering bankers and our resident bank platform advocate Pål Krogdahl in the same podcast episode, and start talking about how open banking came about in the Nordics?  

Us at Fintech Daydreaming too, and that's exactly why we invited Sarah Häger for a chat with our hosts Ville Sointu and Pål Krogdahl, to tell us all about how to build a successful developer community in an unlikely environment like a bank.  

- 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/

It’s that time of year again. The season when who’s who of the financial services industry flock to a get together that still today is the largest migration of bankers and Fintech nerds heading to one place: the annual Sibos conference.  

Our co-host Pål Krogdahl found himself in the middle of it all and we decided to share the experience with all our listeners. What’s hot (and not) this year? Why does everyone look so tired every morning? All this and more with this week’s episode - tune in!  

- 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/

"Here we go again" we thought when we scheduled this episode recording that it would be another one about embedded finance. At the same time we realised that this is a chance to get to the next level in the discussion: how does embedded finance really work? What is the terminology we should use and what are the implications of delivering these capabilities across national borders and over different jurisdictions?  

Our guest for this episode of Fintech Daydreaming, Nick Root, Co-founder and CEO at intergiro helped us navigate through all of it with ease. Join us for the ride!

- 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/

What is a brank? While we break new grounds in Fintech Daydreaming every now and then this is the first time we might have accidentally invented a new word that tells everything about how banks could re-invent their brand strategy. 

Join Pål Krogdahl and Ville Sointu for this episode, where they talk with Liz High (unfortunately Allison was unable to join us at last minute) about how banks today could do better with the way they communicate their investments in a digital world, and how that translates to value for their customers. 

Check https://thinklikeabrandbook.com to learn all about it - or just listen to this episode to get the highlights - even better, do both!  

- 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/

Season six continues with another mega-trend and another mega-guest: current Head of IBM Cloud Platform and former Bank of America CTO Howard Boville, re-joins Pål Krogdahl and Ville Sointu to talk about what’s what in regards to banks moving to the cloud - and more.  

A lot has happened since Howard was with Fintech Daydreaming the last time (S02:E05). We get to hear an update on where the current industry status on cloud adoption, and learn about every banker’s dream - mainframe on the cloud! ☁️🏭  

In other words: buckle up for another wonderfully fintech-nerdy 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/

Open season for banks or the season for open banking? In this episode Eyal Sivan, Mr. Open Banking himself, joins Ville Sointu and Pål Krogdahl in the Fintech Daydreaming studio, and right off the bat go deep into the philosophy of open banking. They end up making a full tour around definitions, regulation and actual use cases just to round it up in time to talk about the future of it all.

In short: Ever wondered about anything related to open banking? This is the episode you don't want to miss.

- 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 short but sweet Nordic summer is over and it's time to kick off season six of Fintech Daydreaming! We've been trying to get the blockchain leader and fellow podcast host Anthony Day (host of the podcast "Blockchain won't save the world") to be a guest on our podcast for quite a while now so we couldn't have been happier to get him to join our hosts Pål Krogdahl and Ville Sointu to kick off this season.  

Will we finally get a proper definition of web3? Is there a real use case for web3 and does it connect to the metaverse somehow? Did Ville manage to use an NFT to get to a secret party during his summer vacation? This and more answered - all you need to do is hit that play button 👉  

- 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/

Summer is officially here, and that means it’s time to end another roller coaster of a season of the Fintech Daydreaming podcast. Before we do that though, our hosts Pål Krogdahl and Ville Sointu sat down to summarise some of the main highlights, key themes and best takeaways of season five. As a bonus Ville drops a career newsbomb seemingly out of nowhere 💣

Special thanks to all our fans for listening and watching us during season five. Fintech Daydreaming will return for season six in August with a fresh lineup of guests and topics. But for now, we wish you all a great summer, and a big thank you to our guests for season five...

- 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/

Summer is almost here but the team at Fintech Daydreaming are showing no signs of slowing down as we finally got one of our most anticipated guests to join us for a chat. Our hosts Pål Krogdahl and Ville Sointu sat down with Paul Yoo from Meta who has a phenomenally interesting career that has taken him around the world working for some of the best known brands in fintech.

We got to talk about everything from crypto to the metaverse and ended up learning about how once upon a time bitcoin “almost” took over the economy in Thailand. Tune in. You won’t regret listening to this one.

- 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/

Getting the fintech legend and author Chris Skinner to join us for a chat in our Fintech Daydreaming studio was a fantastic milestone for us.

Our hosts Pål Krogdahl and Ville Sointu got to talk about everything from his new book “Digital for Good” to the metaverse, but little did we expect that we’d learn what Chris thinks about one of our hosts (all said in jest), superhero fintech jokes and the legend of Captain Cake 🍰

Sounds confusing? Listen in and everything will become clear.

- 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/

Another day another episode about banking as a service? And, why not! Ion Fratiloiu from Yobota joined us to give us a new perspective to the topic: from a platform to a full stack banking as a service provider by becoming part of a fully licensed bank.  

We also continued to develop our long term plan to launch the Fintech Daydreaming bank in exotic countries where we have listeners. Tune in to hear what our hosts Pål Krogdahl and Ville Sointu need to do next!

- 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/

Based on the amount of drama around our podcast hosts catching covid-19 one after the other there might just be a Fintech Daydreaming Netflix series in development sooner than we think. Against the odds we do however have the full crew onboard to hit another first ever for Fintech Daydreaming: we had our first ever guest joining us in two consecutive episodes!  

Jaakko Vilen from nCino joined Pål Krogdahl and Ville Sointu to give us a (re-)visit to our discussion around the hottest topics in fintech right now: sustainability, cloud and lending transformation. And yes, you will find out how nCino got the name it has today. This involves a movie with a 15% rating in Rotten Tomatoes. You really should hear it.  

- 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 our first ever episode recorded live in a conference Pål Krogdahl and Ville Sointu were invited to cover all the buzz at the Nordic Fintech Summit in Helsinki. After two years of lockdowns and endless Zoom meetings the excitement to meet everyone in three dimensions was a sight to behold and the atmosphere was buzzing with fintech companies across the world joining us in this episode.

Join us to hear how it all played out: did Ville make it in time from his flight direct from the Finovate conference in London? Did it all go according to plan? We have it all covered!

Thank you to the following for being part of this special episode: 

• Janne Salminen, Helsinki Fintech Farm 
• Varindarpal Bhaura, Thought Machine 
• Oscar Björklund, ResultElf 
• Seweryn Bak, Comarch 
• Benjamin Delight, Tuum 
• Johanna Viklund, Mambu 
• Tommi Lassila, Aura Cloud 
• Mats Nordgren, Vilja 
• Arto Sorvoja, Kyndryl 
• Jaakko Vilen, nCino 
• Sarah Kok, Näktergal 
• Petri Syvänne, TietoEvry 
• Mikko Rieger, Rieger.fi 
• John Erik Setsaas, Signicat

Audio quality might vary due to to the live recording environment but trust us as we say: it will all be worth your time!   

- 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/

Pål Krogdahl and Ville Sointu continue on the topic of Nordic digital identity ecosystem and invited Markus Hautala to join the conversation in our Fintech Daydreaming studio. Markus is the Head of Digital Identity at TietoEvry and the chairman of the FindyNet co-operative.

Join Markus, Pål and Ville as we take a tour around the world of self sovereign identity, the EU Digital Identity program and FindyNet. As they ask in professional circles: will they blend?

Links and sources mentioned in the episode:  

• https://keri.one/ 
• https://www.gleif.org/en/lei-solutions/gleifs-digital-strategy-for-the-lei/introducing-the-verifiable-lei-vlei 
• https://www.w3.org/TR/vc-data-model/ 
• https://trustoverip.org/ https://idunion.org/?lang=en 
• https://www.memberpass.com 
• https://www.iata.org/en/programs/passenger/travel-pass/ 
• https://findy.fi/en/  

- 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 myth, the legend, the Nordic digital identity in the fintech world is a fabled story of a utopian world where everything is digital and cash is obsolete. Is it true? If it is, how does it all work and how did it come to be?

Fintech Daydreaming is a Nordic based podcast so of course Pål Krogdahl and Ville Sointu had to find out, and who better to tell us all about it than the lead of ID solutions in the largest financial institution in the Nordics: Mikko Hiekkataipale from Nordea Bank.

Tune in to hear everything you ever wanted to know about the history and future of Nordic and European digital identity, and while you’re at it: try to count the times one of the hosts mixes customers with listeners.

- 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 time has come. Your favourite Fintech Daydreaming hosts Pål Krogdahl and Ville Sointu are planning to finally start the "Fintech Daydreaming Bank", so it made all the sense in the world to talk to Eric Mouilleron from Bankable about how to get everything up and running with a Banking as a Service (BaaS) approach for all the backend and compliance complexity we love and love to hate.

We might still be holding back for a moment from opening pre-registrations for our bank built exclusively for fintech nerds, but meanwhile hit the play button to find out how we're progressing!  

As a cool side note, we here at Fintech Daydreaming are really exited to have been voted No 10 in the worlds 40 best Fintech Podcasts listing by FeedSpot - https://blog.feedspot.com/fintech_podcasts/

- 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/

"Let's do an episode about regulation!" - said no successful podcaster ever.   

We like both challenges and nerding out about financial regulation so we went for it anyway. Join us as Pål Krogdahl and Ville Sointu have a conversation with Tony Petrov from Sumsub and try to keep up with the acronym drops 🤓  

- 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/

We're back! Season five of our humble podcast kicks off with a snark as Pål Krogdahl and Ville Sintu got to talk to one of the continuously top ranked Fintech voices in the world: Ron Shevlin 💥  

Tune in to hear about everything you need to keep an eye on in 2022 in the world of Fintech. And yes, we're still sticking with the bad jokes. You have been warned.  

- 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/

Your favourite Fintech Daydreaming hosts Pål Krogdahl and Ville Sointu sit down to wrap up 2021 and talk about what the next year will bring to the industry and our listeners.  

A big Thank You to our guests and  listeners for a fantastic 2021 and we are excited to take everything to the next level in 2022!  

- 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/

Paolo Sironi is back with us to talk about his new book “Banks and Fintechs on Platform Economies” and we dive straight into the deep end and never look back in this exiting episode 🤓  

We talk about regulated, platform driven, outcome based, contextual, conscious and unconscious banking while casually dropping at least two casino references while doing so. How did we do that? Hit that play button to find out 🎧  

Guest: Paolo Sironi, Global Research Leader Banking and Financial Markets | IBM Consulting, Institute for Business Value | Recognised Author, Speaker, Advisor (https://www.linkedin.com/in/thepsironi/)  

- 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 fintechs are coming! The fintechs are coming!

Or are they? If you listen to the media it would seem banks have been on the verge of going extinct for as long as we've had online commerce but today in 2021 it would seem not much has changed in the big picture.

We had the privilege of having Likhit Wagle join Pål Krogdahl and Ville Sointu on this episode of Fintech Daydreaming to discuss the global perspective on the dynamics between banks, fintechs and bigtechs. Perhaps the future is here after all - just not evenly distributed?

Guest: Likhit Wagle, General Manager, Global Banking & Financial Markets at IBM (https://www.linkedin.com/in/likhit-wagle/)  

- 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/

We won’t call it a comeback but we are still proud to have Brett King back in the  Fintech Daydreaming studio as our inaugural recurring guest!

His new book "The Rise of Technosocialism" is in stores late November 2021 and we got to ask him all about it. Tune in this time to hear how our hosts Pål Krogdahl and Ville Sointu literally go on a Meta level discussion with Brett.

Guest: Brett King, Author, Futurist, Founder of Moven, Host of Breaking Banks podcast (https://www.linkedin.com/in/brettking/)   

- 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/

Every season we at the Fintech Daydreaming kitchen are looking for the freshest and highest quality ingredients to deliver an informative listening experience for our fans.

This time we added some C-level spice to the mix with a subscription management twist as Pål Krogdahl and Ville Sointu were joined by the CEO of Minna Technologies Joakim Sjöblom to tell us all about what it means to build and scale a successful fintech in the Nordics.

Guest: Joakim Sjöblom, CEO & Founder @ Minna Technologies (https://www.linkedin.com/in/sjoblomjoakim/)  

- 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/

By popular demand we're finally doing an episode dedicated to one of the hottest fintech topics of 2021: Buy now, pay later. Our guest David Horton, the CEO and founder of Thynk Digital, joins Pål Krogdahl and Ville Sointu to tell us all about BNPL and the recently published research  by Thynk Digital on the topic.

How does it all work? Is it ethical? Tune in to find out and learn how BNPL solution providers make profits - or losses - and who probably ends up paying for all this 💸🙈

Guest: David Horton, CEO & Founder of Thynk Digital (https://www.linkedin.com/in/iamdavidhorton/)  

- 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/

What's the common denominator between Harrods department store, supermarkets, gourmet restaurants, legos and VR glasses?

We're not really sure either! But everything in that list is used as analogies in this episode of our podcast where Pål Krogdahl and Ville Sointu go the extra mile with our guest Chris Vick from Backbase, in trying to connect fintech and banking to things that really have nothing to do with each other. This was way more fun than it sounds like. You have been warned...

Guest: Chris Vick, Director of Global Alliances at BackBase (https://www.linkedin.com/in/chrisvick/)  

- 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/

Is Artificial Intelligence (AI) a perpetually emerging technology - a mirage in the horizon we will never really reach? Tune in to this fascinating discussion with Nordea Bank's Head of AI Hub Mattias Fras, who joined Ville Sointu and Pål Krogdahl in our virtual Fintech Daydreaming studio to talk about what it means to work with AI and data in a regulated financial institution. 

Guest: Mattias Fras, Group Head of AI Hub, Nordea Bank (https://www.linkedin.com/in/mattiasfras/) 

Content mentioned in the podcast: EU AI regulatory proposal - https://digital-strategy.ec.europa.eu/en/policies/european-approach-artificial-intelligenceMiFID II review - https://ec.europa.eu/info/law/better-regulation/have-your-say/initiatives/12167-Review-of-the-regulatory-framework-for-investment-firms-and-market-operators_en 

- 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/

This time on Fintech Daydreaming Pål Krogdahl and Ville Sointu talk to the author of New Growth Playbook and "Fightback - how to win in the digital economy with platforms, ventures and entrepreneurs" Simon Torrace.

If you are a regular listener, you've probably already heard many times that the future of banking is in platforms, but what does that mean in context of the latest fintech hype: Embedded Finance? If both supply and distribution of banking services is being disrupted, will banks soon be just a dumb pipe? This and more in our fun chat with Simon!

Guest: Simon Torrance - Founder & CEO, Embedded Finance & Super App Strategies (https://www.linkedin.com/in/simontorrance/)  

- 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/