Buy Now, Panic Later, The Embedded B2B Edition | Nordic Fintech Highlights March 2026

In this episode of Fintech Daydreaming, Ville, Pål, and Janne are back with another round of Nordic Fintech Highlights—recorded somewhere between back-to-back meetings, holiday travel plans, and at least one log cabin in the Finnish wilderness (buffering included).

From there, we dive into what actually happened in Nordic fintech last month:

Modest funding rounds, ongoing consolidation, and the quiet realization that scale still wins.

And a quick detour into Revolut casually printing profits and eyeing the Nordics like it’s their next hobby.

Then we get into the real meat:

Ville brings a story that sounds boring… until it isn’t:

.- DNB launching Buy Now Pay Later for businesses (yes, really)

.- 30-second onboarding, AI-powered credit decisions, and the ability to delay payments without paying interest.

.- Or, as Pål puts it: “a new and exciting way to bankrupt companies”

Which leads to a surprisingly deep debate:

.- Is BNPL actually useful for SMEs or just consumer debt in a suit?

.- Are we solving cash flow problems or just moving them 90 days forward?

.- And how this looks suspiciously like trade finance without the blockchain and the hype

Janne then doubles down on SME finance with:

.- The rise of accounting platforms turning into neobanks

.- Embedded finance quietly eating the value chain

.- And the slightly uncomfortable truth that traditional banks are still barely showing up

Meanwhile, somewhere in the background:

.- French IBANs are powering Finnish businesses

.- Local quirks are quietly breaking global fintech expansion strategies

.- And Revolut might still have to learn that Finland is… not Sweden

Finally, Pål brings it home with:

.- Wolt entering the employee benefits game

.- Taking on Epassi with zero merchant fees (at least for now)

.- And proving, once again, that every fintech eventually becomes a payments company and every payments company eventually wants to be everything else

If you enjoy fintech analysis with a side of sarcasm, mild existential dread about business models, and the occasional log cabin Wi-Fi issue this one’s for you.

Episode hosted by Pål Krogdahl, Ville Sointu & Janne Salminen

Episode produced and edited by Fintech Daydreaming

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