Recorded live on the floor at Baltic Fintech Days in Riga, this wrap-up conversation with Ville and Pal, hosts of the Fintech Daydreaming Podcast, is the honest debrief you won’t get from the main stage. After a full day of back-to-back interviews, they break down what actually stood out, what surprised them, and where the fintech industry is really heading.
The conversation covers why the core banking space remains overcrowded despite genuine innovation from players like Thought Machine, how payments and licensed infrastructure providers dominated the day’s conversations, and what it means that so many Baltic fintech companies are building white-label solutions for other businesses. Ville and Pal also reflect on the refreshing lack of hype around AI and crypto, and why the most valuable discussions kept coming back to real customer problems and actual product delivery.
If you want the unfiltered takeaways from one of the most engaging fintech events in Northern Europe, this is the episode to watch.