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

<p>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).</p><p><br></p><p>From there, we dive into what actually happened in Nordic fintech last month:</p><p>Modest funding rounds, ongoing consolidation, and the quiet realization that scale still wins.</p><p>And a quick detour into Revolut casually printing profits and eyeing the Nordics like it’s their next hobby.</p><p><br></p><p>Then we get into the real meat:</p><p>Ville brings a story that sounds boring… until it isn’t:</p><p>.- DNB launching Buy Now Pay Later for businesses (yes, really)</p><p>.- 30-second onboarding, AI-powered credit decisions, and the ability to delay payments without paying interest.</p><p>.- Or, as Pål puts it: “a new and exciting way to bankrupt companies”</p><p><br></p><p>Which leads to a surprisingly deep debate:</p><p>.- Is BNPL actually useful for SMEs or just consumer debt in a suit?</p><p>.- Are we solving cash flow problems or just moving them 90 days forward?</p><p>.- And how this looks suspiciously like trade finance without the blockchain and the hype</p><p><br></p><p>Janne then doubles down on SME finance with:</p><p>.- The rise of accounting platforms turning into neobanks</p><p>.- Embedded finance quietly eating the value chain</p><p>.- And the slightly uncomfortable truth that traditional banks are still barely showing up</p><p><br></p><p>Meanwhile, somewhere in the background:</p><p>.- French IBANs are powering Finnish businesses</p><p>.- Local quirks are quietly breaking global fintech expansion strategies</p><p>.- And Revolut might still have to learn that Finland is… not Sweden</p><p><br></p><p>Finally, Pål brings it home with:</p><p>.- Wolt entering the employee benefits game</p><p>.- Taking on Epassi with zero merchant fees (at least for now)</p><p>.- And proving, once again, that every fintech eventually becomes a payments company and every payments company eventually wants to be everything else</p><p><br></p><p>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.</p><p><br></p><p>Episode hosted by Pål Krogdahl, Ville Sointu &amp; Janne Salminen</p><p>Episode produced and edited by Fintech Daydreaming</p><p><br></p><p>- Email us on Hello@FintechDaydreaming.com</p><p>- Fintech Daydreaming home page - https://www.FintechDaydreaming.com</p><p>- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream</p><p>- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming</p><p>- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/</p><p>- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/</p>