Everything Embedded with Jani Ristimäki

Everything Embedded with Jani Ristimäki

In this episode of Fintech Daydreaming, Pål and Ville are joined by Jani Ristimäki from BearingPoint to dive deep into one of the buzzwords of the moment—embedded finance. Spoiler alert: it’s already here, and it’s changing the game for banks, fintechs, and consumers alike. From payments baked seamlessly into apps to financial services appearing in places you’d never expect, we break down what embedded finance really means and why it’s the future. Will banks survive this shift, or are fintechs taking over the new customer touchpoints? And how does it all impact you—the everyday user who just wants to sustainably and intelligently finance your next purchase without thinking about it too much? If you find yourself sometimes wondering whether banking will become entirely invisible or if banks are going to lose touch with their customers as a result - this might be an episode for you. Tune in for a lively discussion packed with smart insights, terrible humor, and plenty of speculation about what’s next in the world of 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/

Episoder(135)

Tap, Merge, Repeat! with Baard Slaattelid from Vipps MobilePay

Tap, Merge, Repeat! with Baard Slaattelid from Vipps MobilePay

In this episode of Fintech Daydreaming, Ville and Pål are joined by Baard Slaattelid from Vipps MobilePay - a man who casually drops phrases like “closed-loop wallet,” “payment potato,” and “we accide...

23 Apr 54min

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

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 le...

10 Apr 44min

One Does Not Simply... Buy from Fintechs with Markus Niemi-Nikkola, Chief Procurement Officer, Savings Bank

One Does Not Simply... Buy from Fintechs with Markus Niemi-Nikkola, Chief Procurement Officer, Savings Bank

In this episode, Pål and Ville sit down with Markus Niemi-Nikkola, Chief Procurement Officer at Savings Bank and quickly realise that procurement might be one of the most misunderstood (and critical) ...

27 Mar 51min

AI Everywhere, AML Under the Microscope & Banking That Delivers (Literally) | Nordic Fintech Highlights February 2026

AI Everywhere, AML Under the Microscope & Banking That Delivers (Literally) | Nordic Fintech Highlights February 2026

Another month, another set of headlines quietly orbiting the same big question:Where does AI actually change the game and where does it just sit on top of old problems?In this Nordic Fintech Highlight...

13 Mar 43min

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

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, P...

27 Feb 59min

Klarna Moves Money, Lunar Loads the War Chest, Loomis Rewires the POS | Nordic Fintech Highlights January 2026

Klarna Moves Money, Lunar Loads the War Chest, Loomis Rewires the POS | Nordic Fintech Highlights January 2026

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 ...

13 Feb 42min

Stablecoins, CBDCs, and Finland’s 1990s Warning Shot with Aleksi Grym

Stablecoins, CBDCs, and Finland’s 1990s Warning Shot with Aleksi Grym

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 ...

30 Jan 53min

Welcome 2026 with Nordic Fintech Highlights | Nordic Fintech Highlights December 2025

Welcome 2026 with Nordic Fintech Highlights | Nordic Fintech Highlights December 2025

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 f...

16 Jan 45min

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