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 - 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/