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 Salminen

Episode produced and edited by Fintech Daydreaming

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