APIs, Grit and the Finnish Founder Mindset with Joonas Tomperi from Enable Banking

In this episode, Pål and Ville sit down with Joonas Tomperi, CEO and co-founder of Enable Banking — and quickly realise this is less about APIs and more about mindset.Yes, we talk open banking. Yes, PSD2 makes an appearance. But the real story is what it takes to build a fintech in a heavily regulated industry when half the market says “you’re too late” and the other half says “nothing works yet.”Joonas shares:.- Why starting a fintech at 35 (not 22) was a strength, not a weakness.- What it’s like launching into PSD2 when the APIs technically exist… but not really.- How to turn regulatory slowness and pandemic chaos into competitive advantage.- Why Enable Banking chose product over consulting — even when cash flow would have been easier the other way.- The uncomfortable truth about fundraising: it’s basically advanced dating, but with more spreadsheetsWe also get into founder psychology — risk vs opportunity, when to bring in stronger operators, and why the best CEOs are willing to replace themselves if it’s right for the company.And in true Nordic fashion, we ask the big question:Why doesn’t Finland have five fintech Nokias yet?Along the way, there’s flu, pirate eye patches, 90s bank servers covered in dust, and a gentle reminder that connecting to “thousands of APIs” is slightly harder than plugging in a phone charger abroad.If you care about open banking, founder grit, or building something meaningful in a market that moves slower than your pitch deck suggests — this one’s for you.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Fintech Daydreaming- Email us on [email protected] 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/

January may have looked quiet on the surface, but the Nordic fintech engine was very much running.In this Nordic Fintech Highlights episode, Ville, Pål and Janne unpack what actually mattered beneath the seasonal slowdown — where peer-to-peer payments, SME banking, and the future of merchant acquiring all collide in very Nordic ways.On the agenda:.- Klarna goes P2P. From BNPL to bank to sending money between friends, Klarna steps into an already crowded wallet space — starting closed-loop, with bigger ambitions ahead. We dig into ecosystems, cross-border logic, and why P2P always ends up being about much more than just P2P..- Lunar raises €46m and doubles down on SMEs. Fresh capital, sharper focus on business banking, and Moonrise as a platform play. Underserved SMEs return to the spotlight — this time backed by a proper war chest..- Loomis Pay and Android POS. Cash heritage meets programmable terminals as Loomis pushes deeper into digital acquiring. We explore why open POS platforms matter, how new payment rails complicate acquiring, and why instant payments still give merchants plenty of operational headaches.Naturally, the conversation takes a few familiar side roads: embedded finance, platform economics, gig workers, AI agents as future bank customers — and a shared realization that merchant acquiring has become one of the most quietly complicated parts of fintech.A calm start to the year, a surprisingly busy news cycle, and just enough skepticism to keep everyone honest.Episode hosted by Pål Krogdahl, Ville Sointu & Janne SalminenEpisode produced and edited by Fintech Daydreaming- Email us on [email protected] 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 in central-bank territory with Aleksi Grym from the Bank of Finland, and once again manage to turn a perfectly sensible conversation into a deep dive on money, payments, and why nothing in this space is ever as straightforward as it sounds.Starting with what central banks actually do (spoiler: more than just printing money), we move into crypto, stablecoins, and why most of their real-world impact still happens inside the crypto ecosystem (or is it.a casino?) itself. Aleksi calmly explains why hype is cheap, plumbing is hard, and payments tend to break in very predictable ways.Naturally, we end up talking about the digital euro — not as a shiny new payment rail, but as a long-term infrastructure project. Less “instant innovation,” more “who controls the rails, and should Europe care?” Along the way, Finland’s 1990s Avant card makes a comeback, proving that many of today’s “new” problems have already been tried once — just with worse UX.We also touch on:.- Why merchant acceptance matters more than speed.- Why prefunding sounds logical until users meet it.- And why most people won’t care about payment sovereignty… until they suddenly have toIn short: the kind of episode where you learn something useful and still laugh a little at how we keep learning the same lessons over and over again.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Fintech Daydreaming- Email us on [email protected] Fintech Daydreaming home page - https://www.FintechDaydreaming.com- 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/

New year, new season, same format. Ville, Janne, and Pål are back with Nordic Fintech Highlights, opening the season by unpacking three stories that quietly say a lot about where Nordic and European fintech are heading.Ville starts with the ECB hiring up for the digital euro project, bringing in market infrastructure specialists to work on rulebooks, rollout planning, and the role of intermediaries. The takeaway: less theory, more plumbing — and another sign that the digital euro continues to move forward in the background - but at what cost?Janne follows with NOBA Bank Group’s acquisition of DBT Capital, strengthening its position in digital SME lending. The discussion focuses on scale, technology, and why acquiring a ready-made lending platform can be a faster and more predictable path than building everything in-house.Pål rounds things off with Enfuce’s expansion into Belgium and Luxembourg together with Monizze, which sparks a broader discussion about employee benefit cards, open-loop versus closed-loop systems, and why this model feels very familiar in a Nordic context. Parallels are quickly drawn to ePassi and other closed-loop benefit platforms, raising questions about distribution, user experience, and whether closed ecosystems still have an edge when regulation and interoperability keep pushing everything toward open networks.As always, the conversation is grounded in practical experience, dry (or is it just bad?) Nordic humour, and a shared sense that fintech progress is usually more evolutionary than revolutionary.A calm, thoughtful start to the season — and your regular reminder that the same payment ideas tend to come back, just with slightly different logos.Episode hosted by Pål Krogdahl, Ville Sointu & Janne SalminenEpisode produced and edited by Fintech Daydreaming- Email us on [email protected] 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/

A Full House of Bank CEOs (and One Central Banker)We took Fintech Daydreaming on the road to the Nordic Banking Forum in Helsinki, and somehow ended up interviewing more CEOs in one day than we usually see in a year.In this special episode, Pål, Ville — and Janne, once we caught him mid–event sprint — sat down with:.-Prag Sharma (Citi) on agentic AI, future-of-finance vibes, and why 80–90% of bank data suddenly matters..-Janne Salminen (Helsinki Fintech Farm) pops in for a quick Nordic Fintech Highlights segment and shares the annual event-planner panic cycle with us..- Sampsa Laine (Alisa Bank) on SME banking, partner ecosystems, and why mortgages are still a “not yet.”.-Riikka Laine-Tolonen (S-Bank) on running a bank inside a retail empire, loyalty economics, and scaling to 3.4M customers..-Jarkko Mäensivu (Saldo Bank) on embedded finance, European expansion, and building a lean, credit-focused bank..-Aleksi Grym (Bank of Finland) on fraud in instant payments, CBDCs, and why Finland quietly invented half this stuff in the ’90s (and already shut it all down long time ago). Been there. Got the t-shirt. Wrote an excellent paper about it.With Citi, Alisa, S-Bank, Saldo Bank, and the actual central bank represented — plus Janne’s news segment — this turned into perhaps the most executive-heavy episode we’ve ever recorded.We celebrated:Zero vendor interferenceZero stablecoin panelsA rare concentration of bank CEOs voluntarily talking to usAnd the survival of an entire live recording day with minimal technical disasters (backdrop changes don’t count)And yes, we ended with a fintech dad joke. Naturally.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Fintech Daydreaming- Email us on [email protected] 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, Pål and Ville sit down with Rik Coeckelbergs, founder of The Banking Scene and author of Ethos in Banking, for a surprisingly philosophical conversation. Yes, this is the first Fintech Daydreaming episode where we willingly tumble down an Aristotle-themed rabbit hole.Rik’s book dives into how the ancient trio of ethos, pathos, and logos can shape modern banking culture. Tturns out, these aren’t just concepts reserved for toga-wearing philosophers:.- Ethos: Banks need credibility that runs deeper than slogans and “purpose” posters..- Pathos: Customers want to feel understood — not just “KYC’d.”.- Logos: Logic and competence still matter (even if your strategy deck has far too many slides).As Rik unpacks how these pillars can help rebuild trust in the industry, we catch ourselves wondering things like, “Did Aristotle ever have to deal with compliance?” and whether all those countless hours spent in corporate value workshops were really time well spent.Together, we wander into questions such as:.- Can a large bank genuinely live its values without getting lost in the org-chart wilderness?.- Do customers actually want ethical banking, or just fewer fees and fewer headaches?.- And how do you build trust in an industry where most good decisions are the invisible ones?In summary: jokes, tangents, and at least one moment where someone wonders if Aristotle would’ve made a good fintech founder.(Consensus: he would’ve hated the pitch decks.)- Email us on [email protected] 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/

October brought AI hype, digital euro déjà vu, and the shocking return of crypto — which means it was just another totally normal month in Nordic fintech.Pål, Ville, and Janne reunite to unpack the biggest stories from the Helsinki Fintech Farm newsletter. Spoiler: every startup is now an AI company. From automated compliance tools to AI-powered CFOs and even kiosks that buy your old phone via Swish — if it’s got electricity, someone’s calling it AI.Meanwhile, Klarna is back in the headlines with a new subscription model that makes Ville long for more gamified tiers, Pål rant about paying to breathe, and Janne quietly celebrate another strong month for dad jokes. The trio also tackle the ECB’s digital euro saga — now entering its “we promise it’s still happening” phase — and Nordea’s cautious dip into crypto trading, which Ville swears has absolutely nothing to do with his day job.Your biweekly dose of fintech group therapy is here — complete with skepticism, sarcasm, and just enough substance to make it count. In other words: business as usual at Fintech Daydreaming.Episode hosted by Pål Krogdahl, Ville Sointu & Janne SalminenEpisode produced and edited by Fintech Daydreaming- Email us on [email protected] 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 week, Ville and Pål are joined (once again) by Paul Yoo, CEO of Sukaa, who beamed in live from New York to talk about his newest venture — and somehow turned what was supposed to be a fintech chat into a masterclass on why Africa might just leapfrog the rest of us in digital finance.Paul walks us through his new startup’s mission to build a pan-African on-chain payments and lending platform, explains why the continent’s fragmentation is both the challenge and the opportunity, and delivers a few spicy takes on Europe’s new bank-backed stablecoin. (Spoiler: he’s not impressed.)We revisit old predictions, argue about what “self-settling” really means, and test the limits of how many times stablecoins can be mentioned in one episode before someone needs a lie-down. Somewhere in between, there’s a crypto joke, a Men in Black reference, and a minor real-world subplot involving a locked apartment door.It’s global, geeky, and a little chaotic — just another day at the virtual office of Fintech Daydreaming.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Fintech Daydreaming- Email us on [email protected] 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 what might be our most meta episode yet, Pål, Ville, and Janne sat down to unpack the biggest Nordic fintech stories of September — only to realize halfway through that we’d forgotten to hit record. So yes, this episode is technically the sequel to the lost masterpiece that no one will ever hear.Once we finally remembered to press the big red button, things got back on track (mostly). Ville’s voice barely survived another deep dive into stablecoins — a topic now reaching “say it one more time and I scream” levels. Pål compared digital euros and euro stablecoins like a true survivor of SIBOS, and Janne tried to restore order with AI funding rounds, Revolut’s Nordic comeback, and an ePassi expansion story that proves the Finns can scale just fine without the metaverse.There’s even the obligatory terrible fintech joke, a bit of croaky small talk, and an awkward realization that maybe we talk about stablecoins more than our families.All in all: it’s chaotic, it’s geeky, it’s pure Fintech Daydreaming — take two.Episode hosted by Pål Krogdahl, Ville Sointu & Janne SalminenEpisode produced and edited by Fintech Daydreaming- Email us on [email protected] 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 year Pål and Ville set up shop in the official backstage of the event venue – meaning our little “studio” has probably seen more rock stars, comedians, and magicians than fintech podcasters. But for two days, it was home to us… and the now famous podcast couch.On that couch we hosted a parade of fintech’s brightest people – founders, authors, bankers, thinkers – all crammed into one room with us, the noise of the conference bleeding through the walls, and way too little coffee. The result? The longest Fintech Daydreaming episode ever recorded – nearly two hours of conversations, debates, and jokes that we just couldn’t cut down. (Turns out once you get fintech people comfortable on a couch, they don’t want to leave.)Across those two hours, you’ll hear from:.- Thomas Hahn-Petersen (Copenhagen Fintech) on why Copenhagen is buzzing..- Philippe Höij (DFRNT) on shaking up investing..- Jakob Lage Hansen (DoLand) and Ulrik Koefoed Johnsen (Giv Effektivt) on impact and giving..- Kim Norbye (Nexi Group) and Paolo Sironi (IBM) on future rails of finance..- Leda Glyptis with her trademark truth bombs..- Panagiotis Kriaris (Unzer) and Lotta Domonkos (Fimento AB) on payments and platforms..- Daniel Alter (Enfuce), Ronit Ghose (Citi), and Rune Kallehauge (Mastercard) bringing the global view..- Christie H. Kristensen (Danske Bank), Veikko Koski (FinanceKey), and.- Wassa Camara (Copenhagen Fintech) closing out the Nordic perspectives.It’s raw, it’s noisy, it’s almost two hours long – but if you want to get into the buzz of Nordic Fintech Week this does it better than any LinkedIn highlight reel you saw before.Episode hosted by Pål Krogdahl & Ville SointuEpisode produced and edited by Fintech Daydreaming- Email us on [email protected] 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/