Crunchfish AB: Recent Episodes
Crunchfish AB
Crunchfish is a tech company with a patent-pending solution for digital offline payments that can be integrated both with the payment rail or in a mobile wallet. The offline solution is globally scalable and makes digital payments more robust as the risks of disruptions and downtime are eliminated. We have also developed Blippit, an app terminal that connects to a cash register system for both online and offline payments. Crunchfish also develops gesture control of smart AR glasses for the consumer market. Crunchfish has been listed on Nasdaq First North Growth Market since 2016 with headquarters in Malmö, Sweden and with representation in India.
Welcome to the first interview in Season 3: Digital Cash – Partners and Patents! We are starting out with an interview with our own CEO, Joachim Samuelsson by Anna Liebel.
Joachim Samuelsson is a serial entrepreneur and a tech pioneer with over 20 patents in Digital Cash and Proximity Interaction. Prior to Crunchfish Joachim had successful engagements in ComOpt, Actix and Biomain. He started his career at Ericsson in 1989 after a Master of Science degree from Linköping. He involves himself in many social activities pro-bono, e g several business networks, a football club in his hometown Helsingborg, as well as youth entrepreneurship.
In this interview, Joachim and Anna talk about leadership and fostering an environment where curiosity, creativity and caring can prevail. Joachim also tells a story from his military service, where a major gave a fantastic piece of leadership advice that Joachim has used throughout his entrepreneurial career. During Season 2: Cash goes digital – a payment pandemic, Anna Liebel was interviewed in return on Leadership. Here is a link to that interview. https://www.youtube.com/watch?v=SzhmLSI5Jek
This is interview 1 in season 3: Digital Cash – Partners and Patents, out Tuesday morning at 6 am CET / 10.30 am IST. https://www.crunchfish.com/the-interviews/
Coeli Fonder https://coeli.se/ is the only institutional investor in Crunchfish to date. We are very proud of our solid and dedicated shareholder base and having a well-known fund like Coeli among our top five owners is a great strength for Crunchfish as a company. Their fund manager Mikael Peterson came across Crunchfish when we were preparing for IPO back in 2016 and he helped us to contact many of our anchor investors in the IPO.
Mikael Petersson is a very experienced and knowledgeable fund manager, currently co-managing their Coeli Absolute European Equity and Coeli European Opportunity funds. His brilliant monthly fund report gives insightful views on macrotrends, news from the global stock markets and financial sectors – often with a twist. Here is the latest issue: https://coeli.se/forvaltarkommentar-coeli-absolute-european-equity-r-sek-januari-2021/
In this interview, Mikael and Joachim talk about current trends in the global financial markets, especially during the last year which has been unique in many ways, not least for global finance. They also talk about why Coeli chose to invest in Crunchfish and his reasoning behind their investment. Mikael also explains what he is looking for as a fund manager – and why “There Is No Alternative to Growth”.
This is interview 35 of 36 in the second season - Cash goes digital, a payment pandemic - out Wednesday morning at 6 am CET / 10.30 am IST. https://www.crunchfish.com/the-interviews/
Stephan Carlquist is the fourth largest shareholder in Crunchfish with 1 million shares and has been a committed long-term investor in the company since 2013, when he invested in the second financing round. He had also been a Crunchfish board member for four years during 2014-2018.
Stephan is a seasoned business executive, having decades of international experiences from Atlas Copco, ABB Financial Services and Electrolux. Stephan and Joachim Samuelsson are long-time friends and have invested in other ventures before Crunchfish.
In this interview, Stephan and Joachim talk about their appreciation of Crunchfish’s very loyal shareholder base, their experiences from long careers abroad and the importance of a strong patent portfolio in innovative companies like Crunchfish.
This is interview 34 of 36 in the second season - Cash goes digital, a payment pandemic - out Monday morning at 6 am CET / 10.30 am IST. https://www.crunchfish.com/the-interviews/
Twelve weeks ago, we set out on an ambitious journey to do 36 consecutive interviews in our series Cash goes digital – a payment pandemic, and what interesting weeks it has been. We have visited places all over the world, from Silicon Valley to Taiwan and many places in between, and talked to payment experts in several different fields, including Payment Schemes and Wallet Security. We have also talked to people involved in our Gesture business, board members and senior managers, Alumni and many more. You can find all interviews here: https://www.crunchfish.com/the-interviews/
We are now in our twelfth and last week, and we will be talking to some of our shareholders who share their thoughts on why they think Crunchfish is an interesting company. We will be hearing from our fourth largest shareholder Stephan Carlquist, then an interview with Mikael Petersson from Coeli who is our only institutional investor to date, and we will finish by talking to the moderator of Crunchfish’s shareholder’s forum on Facebook. Come join us for this exciting final week!
UL https://www.ul.com/ is all about empowering trust. They solve critical challenges and help innovators around the world to discover new possibilities and deliver what matters — safety, quality, security, sustainability and confidence. Exactly what Crunchfish needs to establish our Digital Cash solutions.
Today, UL is back in our interview series, this time represented by Houssam Soubra, Principal Advisor & EMV Global Solutions Lead. Houssam is extremely knowledgeable and experienced within EMV and mobile payments, and since January 2021 he has been giving bi-weekly masterclasses to the Crunchfish team, providing us with new insights and deep knowledge in these fields.
In this interview, Houssam and Joachim Samuelsson talk about entrepreneurship and the concept of surrounding yourself with masterminds in order to succeed in approaching the market as an entrepreneur, as described by author Napoleon Hill in his book Think and Grow Rich, written almost 100 years ago but still relevant today https://www.amazon.com/Think-Grow-Rich…/dp/1585424331. They also talk about that UL provides Crunchfish with certification and compliance processes for payment services, as well as the importance of being able to see the big picture in the complex global payment ecosystem.
This is interview 33 of 36 in the second season – Cash goes digital, a payment pandemic – out Friday morning at 6 am CET / 10.30 am IST. https://www.crunchfish.com/the-interviews/
TietoEVRY https://www.tietoevry.com/en/ is a global digital services company with a strong Nordic presence, employing over 24 000 people within many fields of expertise all over the world today. The financial ecosystem is constantly evolving, with new technology creating both exciting opportunities and very real challenges. Within payments, TietoEVRY supplies key software platforms to banks and payment systems across the world, being an essential part in the digital payments infrastructure.
Jarkko Turunen is the Head of Business Development & Product Management at the Payment Solutions division of TietoEVRY, based in Helsinki in Finland. Jarkko has tons of experience from the payments sector as well as the banking industry, and sees convergence between card schemes and real-time payments in the market.
In this interview, Jarkko and Joachim Samuelsson talks about trends in payments, how value-adding services will be key for the payment in the future and how TietoEVRY is present in almost all payment systems in the Nordics. They also talk about synergies between different players in the financial industry and how small companies like Crunchfish with great innovative ideas can make a big market impact.This is interview 32 of 36 in the second season – Cash goes digital, a payment pandemic – out Wednesday morning at 6 am CET / 10.30 am IST. https://www.crunchfish.com/the-interviews/
ACI Worldwide https://www.aciworldwide.com/ is a global software company that provides mission-critical real-time payment solutions to banks and financial networks, transferring 11 trillion USD on a day, having 18 of the top 20 largest banks in the world as clients. Resilience is a key feature of their switching platform, making sure it works 24/7. They have a transaction-based business model, where volume is key.
Kaushik Roy was the business head of ACI Worldwide in India, and has recently transferred to become Head of Product Management in the emerging Asian, Middle Eastern and African markets. Kaushik understands that the current online payment services needs to be redesigned to cope with tomorrow’s digital payment volumes and this is why he thinks that Crunchfish’s Digital Cash is such an interesting solution. In addition to great conversations about the future of digital payments, Kaushik and Joachim Samuelsson discussed his love of soccer, and his wish to go and see the northern lights.
This is interview 31 of 36 in the second season – Cash goes digital, a payment pandemic – out Monday morning at 6 am CET / 10.30 am IST. https://www.crunchfish.com/the-interviews/
An ecosystem for Digital Cash Partners will be key in the commercialization of Crunchfish’s Digital Cash solutions. By cooperating with partners within complementing fields of technology, Crunchfish opens up marketing channels, new geographical markets and strategic customer segments. With some partners already in place, Crunchfish has defined an ecosystem for Digital Cash with the purpose to quickly scale up sales and get a global spread of the company’s solutions. https://www.crunchfish.com/digital-cash/#digital-cash-partners
Next week in our interview series Cash goes digital – a payment pandemic will be about Digital Cash Partners. We will talk to some potential partners that could help us get to our goal, which is to implement our solutions into as many wallets as possible. You don’t want to miss this – come join us!
Time for the third interview in the Food Waste week, and in this interview we are focusing on pricing intelligence. NielsenIQ https://nielseniq.com/global/en/ is a global market research company that has been working within consumer intelligence for several decades, focused on using on providing the best retail and consumer data platform, enabling better innovation, faster delivery, and bolder decision-making. Crunchfish is rescuing food by providing POS rewards, and in order to do that, an intelligent system for pricing goods based on many factors such as best-before-date and delivery date needs to be in place. https://www.crunchfish.com/food-waste/
Anna Ekström works with Intelligent Analytics at NielsenIQ and is specialized in pricing intelligence based on retail market data, developing insights about how pricing of goods can be optimized and identifying how pricing and similar aspects can be used to affect customer behavior. In this interview, Anna and Joachim Samuelsson talk about the fast development within market intelligence, how the insights from the market data analysis that NielsenIQ provides can be used as a basis for reducing food waste by using it to optimize the pricing of goods at the point of sale, and how the concept of intelligently reducing food waste is gaining traction within the entire FMCG sector.
This is interview 30 of 36 in the second season - Cash goes digital, a payment pandemic - out Friday morning at 6 am CET / 10.30 am IST. https://www.crunchfish.com/the-interviews/
We are continuing the interviews about Food Waste and now it’s time to talk about clearing. This is important in order to automatically reward customers at the point of check-out for rescuing food.
ClearOn https://www.clearon.se/, was originally founded by DLF Sweden with the purpose to facilitate coupon management for retailers. Today, ClearOn offers seamless clearing processes, and is a major developer of sales promotion campaigns and retail payment services in Sweden.
One of ClearOn’s key solutions is ClearOnline https://www.clearon.se/…/our…/sales-promotion-tjanster/ , a platform integrated into thousands of grocery stores and connected to their POS systems, with automated processes for clearing of discount coupons and other types of value cheques.
The system can be used by the stores as well as their suppliers to instantly launch in-store price campaigns, promotions and other types of offers. Since Crunchfish’s solution for Food Waste is based on pricing incentives for customers, the ClearOnline platform could be used as an efficient way of achieving this.
Johnny Lönnberg is Sales Director at ClearOn with many years of experience from the FMCG sector. In this interview, we talk about how incentivizing customers can be a major driver towards reducing food waste and we both long for the next physical Clear Event, where bright minds from the Swedish retail industry meet and get inspired.
This is interview 29 of 36 in the second season – Cash goes digital, a payment pandemic – out Wednesday morning at 6 am CET / 10.30 am IST. https://www.crunchfish.com/the-interviews/
This week is all about Food Waste. We start by looking at the data standards supporting the industry. GS1 standardizes the global language for businesses, https://www.gs1.org/. They own and manage for instance the world-wide standard for article numbers, represented by the well-known bar code on every product.
In the future, a new product marking standard GS1 Digital Link https://www.gs1.org/standards/gs1-digital-link contains more information than just the article number. Every single product package may get a unique marking with information such as best-before date, batch number or serial number. Based on this Crunchfish has a patented solution that makes it possible to rescue food by automatically rewarding the consumer at the point of sale for not taking the freshest product on the shelf, thereby reducing food waste as it otherwise might have been scrapped. https://www.crunchfish.com/food-waste/
Staffan Olsson is the longest serving employee at GS1 Sweden, helping clients to get as much as possible out of using GS1 standards. In this interview, Staffan and Joachim Samuelsson talk about circular economies, the ubiquitous bar codes and new GS1 Digital Link standard, and about innovative ways to drive the industry towards sustainability.
This is interview 28 of 36 in the second season – Cash goes digital, a payment pandemic – out Monday morning at 6 am CET / 10.30 am IST. https://www.crunchfish.com/the-interviews/
Do you know that a third of all food produced in the world is thrown away? This is very costly and has a huge negative impact on our planet. Reducing food waste by half before 2030 is one of the United Nations’ sustainability goals. Crunchfish has come up with a great idea that tackles this problem. We rescue food by providing POS rewards to consumers for making environmentally friendly purchase decisions. https://www.crunchfish.com/food-waste/
Next week in our interview series Cash goes digital – a payment pandemic will be all about Food Waste. We will start the week talking to Staffan Olsson from GS1 Sweden https://gs1.se/en/ that owns the QR codes which our solution is based on. Then we will interview Johnny Lönnberg from ClearOn https://www.clearon.se/, the clearing house that handles discounts for customers at the point of sale, and finally we’ll talk to Anna Ekström from NielsenIQ https://nielseniq.com/global/en/, a consumer intelligence company that can help the industry finding the right pricing for the solution. Come join us for this exciting week!
At the heart of Crunchfish lies our core values – Curious, Creative and Caring. An inspired curiosity drives us to explore the world, adapting technology to human needs. Our creative minds combined with deep technical know-how originates radical new ideas and innovations. And we care about the society we live in, customers and colleagues, always developing sustainable relationships.
Anna Liebel https://annaliebel.com/ is a Leadership and Team Development Consultant who help founders reclaim their genius zone by eliminating reactivity, transforming their leadership, and becoming catalysts of thriving company culture.
In this interview, Anna and Joachim Samuelsson discuss how curiosity is an important driver, the importance of being authentic as a leader and how it all comes down to setting a direction for the company and creating an environment where curiosity, creativity and caring can thrive.
Here is the link to a TED-presentation of the spaghetti-challenge mentioned in the interview https://www.ted.com/…/tom_wujec_build_a_tower_build_a_team and the article in Swedish https://kvalitetsmagasinet.se/vilka-valjer-du-till-ditt…/
This is interview 27 of 36 in the second season – Cash goes digital, a payment pandemic – out Friday morning at 6 am CET / 10.30 am IST. https://www.crunchfish.com/the-interviews/
Light affects us in mainly three ways; visually, emotionally and biologically. The visual dimension is the traditional one, affecting what we see and how we are seen. The emotional dimension has to do with how light affects our mood, energy and state of mind. The third dimension focusses on how we are biologically affected by light. More and more people are realizing the potential in using light to enhance alertness, cognitive performance and the sleep/wake cycle.
Niclas Olsson is the CEO of Brainlit https://www.brainlit.com/ – the company with biocentric lighting as a business idea that literally brightens up our days at the office. In this interview, Niclas and Joachim Samuelsson talks about Health as a service, the Brainlit lighting system that we recently installed at our office and how it increases the well-being, creativity as well as the productivity of our team.
Mentioned in the interview were the Idea book by Fredrik Haren https://lnkd.in/eb9McKk, the Swedish books Härarbeta by Teo Härén https://lnkd.in/eqWP8sN and YCDBRALAI by Klas Hallberg https://lnkd.in/e7sGEzK
This is interview 26 of 36 in the second season – Cash goes digital, a payment pandemic – out Wednesday morning at 6 am CET / 10.30 am IST. https://lnkd.in/e3E6vEm
Crunchfish’s headquarters is at The Penthouse of Media Evolution City in central Malmö, in the south of Sweden. Here we have been renting the top floor from Wihlborgs since 2013 and created a work environment conducive to creativity.
Hans Andersson was hired by Wihlborgs https://www.wihlborgs.se/ as the Director of Arbetsglädje, translating to Job satisfaction in English. But Job satisfaction is a too narrow description of the Swedish word Arbetsglädje as it also implies pure happiness or joy of working. In this interview we start off talking about Arbetsglädje but venture off into discussing how to design a great office environment and what will offices be in a post-pandemic world.
This interview kicks-off the 9th week with the focus on The Office. Even if the title was inspired by the British TV-series with the same name we argue that any resemblance with the original show is purely accidental. https://www.youtube.com/watch?v=j1qtsLfZWWQ This is interview 25 of 36 in the second season – Cash goes digital, a payment pandemic – out Monday morning at 6 am CET / 10.30 am IST. https://www.crunchfish.com/the-interviews/
We have spoken to payment experts as well as a large number of people at Crunchfish about our Digital Cash solution. All agree that it is a very exciting solution with great potential to change the market for digital payments. In the coming weeks, Joachim Samuelsson will, among others, interview Digital Cash Partners, experts in Food Waste and some of our shareholders who give their view on Crunchfish's future.
Next week will be all about The Office. During this week we will focus on our work environment and our core values – Curious, Creative och Caring. The week starts off with an interview with Hans Andersson, responsible for job satisfaction at Wihlborgs https://www.wihlborgs.se/en/. Then we will interview Niclas Olsson, CEO of Brainlit https://www.brainlit.com/ – the company with biocentric lighting as a business idea that literally brightens up our days at the office. We’ll finish with an interview with leadership consultant Anna Liebel https://annaliebel.com/ about the value in Crunchfish’s playful work environment.
A third of all food produced in the world is thrown away. This is tragic, very costly and has a huge negative impact on our planet. Reducing food waste by half before 2030 is one of the United Nations’ sustainability goals. https://lnkd.in/eyz7hjh
Crunchfish rescue food by providing POS rewards to consumers for making environmentally friendly purchase decisions. https://lnkd.in/epJ6qYu
Linda Kronby has been with Crunchfish as a Senior Business Developer at our Stockholm office for almost a year now, and has taken on our solution for Food Waste. crunchfish.com/foodwaste
In this interview we talk about the United Nation’s 17 Global Goals for a sustainable future https://lnkd.in/e7jP8ts, how our Food Waste solution area came about and how it relates to Linda’s experience from GS1 Sweden, gs1.se and Nielsen, NielsenIQ.com.
This is interview 24 of 36 in the second season – Cash goes digital, a payment pandemic – out Friday morning at 6 am CET / 10.30 am IST. https://lnkd.in/e5RHAYD
Customers prefer to pay using their mobiles. Creating secure and user friendly check-out experiences is key. This is where Blippit comes in as the world’s first app terminal that links payment apps to cash registers. It enables customers to check-out with a single blip and merchants to identify customers even before payment. Crunchfish.com/blippit
During 2020 Patrik Lindeberg focused on launching Blippit on the Swedish market. He established many of the necessary sales tools needed and established the partnership with www.extendaretail.com, the leading Nordic POS provider. 80% of the grocery sales in the Nordics passes through their cash registers. https://lnkd.in/gbFWpnh
Recently Patrik was promoted into a wider as CEO of Crunchfish Proximity. https://bit.ly/2MOE2Cb. In this interview Crunchfish CEO Joachim Samuelsson explore his work with Blippit in Sweden in 2020 and his feelings on stepping into the wider role as CEO. More importantly, in this interview they also agree on what is the score on the Boule courts after their many games during 2020.
This is interview 23 of 36 in the second season – Cash goes digital, a payment pandemic – out Wednesday morning at 6 am CET / 10.30 am IST. https://lnkd.in/e3E6vEm
Joakim Nydemark has two key roles at Crunchfish. He is the CEO of our subsidiary Crunchfish Gesture Insteraction AB, https://lnkd.in/ezhZ5Fb, but also COO at the group level of Crunchfish. In the latter capacity he has recently worked with our Digital Cash Partner strategy that we launched last week. https://lnkd.in/etMxX7G
In this interview we explore the extraordinary improvement in our gesture technology, packaged in our XR Skeleton product, that has happened in 2020. In spite of only using a single RGB camera sensor, the one in mobile phones, we are able to model three dimensions. Magic. https://lnkd.in/ed4UQru We also talk about how it is to work at Crunchfish in the COO role.
This is interview 22 of 36 in the second season – Cash goes digital, a payment pandemic – out Monday morning at 6 am CET / 10.30 am IST. https://lnkd.in/e5RHAYD
Over several weeks, we have heard interesting takes on our Digital Cash solutions from payment experts, professionals from payment schemes, wallet security experts and much more. Now it’s time to take a week in which we will talk to some of the bright minds that we have in-house here at Crunchfish and hear about their areas of expertise.
We will be talking to Patrik Lindeberg, Joakim Nydemark and Linda Kronby who are all in Crunchfish’s Top Management. During 2020, they have gotten new roles in the company, leveraging their experience and knowledge in our various solution areas and how we’re working towards partners. For all three, it’s the second time in the interview spotlight, so you definitely don’t want to miss this.
This is the 8th week in the interview series Cash goes digital – a payment pandemic. The episodes will be available on Monday, Wednesday and Friday at 6 am CET/10.30 am IST on Crunchfish’s website https://www.crunchfish.com/the-interviews/ as well as on our YouTube channel.
In many parts of the world, feature phones are still very common and for instance in India, half of the population still use them. Feature phone users have poor support for digital payments. But what if there was a technology that could enable swimmingly easy payments on all these feature phones?
TAISYS Technologies Co., Ltd https://www.taisys.com/index from Taiwan has that technology. Their patented Thin SIM solution is a SIM overlay, a paper-thin electronic strip which is placed over the phones’ SIM card which serves as an additional Secure Element. This ingenious solution has the potential of unlocking mobile payments on every feature phone in the world, offering up a huge market potential.
In this interview, Taisys’ CEO Peter Chen and our CEO Joachim Samuelsson talk about the king-and-queen approach that Taisys uses in their technology, how the technology is a perfect fit for many of many of the areas that Crunchfish is also approaching with our Digital Cash solutions such as CBDC, global financial inclusion, as well as some differences between Sweden and Taiwan.
This is interview 21 of 36 in the second season – Cash goes digital, a payment pandemic – out Friday morning at 6 am CET / 10.30 am IST. https://lnkd.in/e5RHAYD
Mastercard estimates that almost half of all login attempts in 2019 were at high risk for being fraudulent. In such a world, authenticating a user is more crucial than ever https://bit.ly/3pmBb1B . This is especially true for Digital Cash where security is of essence, both from a user perspective and from the PSP’s perspective.
Alessio Mauro is the CEO and founder of neoEYED, Inc., https://www.neoeyed.com/ a global player in Behavioral Biometrics, a technology that enable strong user authentication through analysis of how humans interact with their devices and applications. This technology is centered on probabilistically identifying if the legitimate person is physically present in the interaction. The beauty of Behavioral Biometrics is that it can reside everywhere in the solution and constantly monitor that security is not compromised.
Crunchfish AB and neoEYED recently announced a partnership https://bit.ly/3t1c8n1 in which behavioral biometrics will enhance the security in Crunchfish’s Digital Cash solutions. In this interview, Alessio and Crunchfish’s CEO Joachim Samuelsson talks about neoEYED’s vision of ridding the world from the traditional password, about India where neoEYED is also active, and also about Sicily, where Alessio lives.
Wallet security is key with Digital Cash. V-Key https://www.v-key.com/ is a Singapore-based firm that invented the world’s first virtual secure element. It provides a secure runtime environment within a native iOS or Android mobile app where an offline balance may be stored and cryptographic processes execute in isolation from the unsafe environment of the mobile app. Their excellent virtual secure element V-OS https://bit.ly/3pfGUWZ matches or even improves on the security characteristics of hardware secure elements and is much more scalable as it is a software solution not tied to any specific piece of hardware. V-Key is Crunchfish’s very first Digital Cash Partner https://bit.ly/3qOZaqB.
Joseph Gan is the CEO and co-founder of V-Key and a pioneer in digital security. He started working for Singapore’s Ministry of Defense and realized soon that mobile operating environments were wide open. Here we explore how security can be improved by using a virtual secure element in combination with the hardware Trusted Execution Environment TEE. We conclude in the interview that the required security level is now readily available for Digital Cash.
We heard it from the payment experts - they like Crunchfish’s Digital Cash solutions. We have also verified it with payment professionals having extensive hands-on experience of EMV Card Payments, Real-Time Payments as well as Central Bank Digital Currency. Digital Cash is ubiquitous and important feature for all payment schemes. https://www.crunchfish.com/cash-is-king-of-digital-payments/
Digital Cash provide the same properties as physical cash and will eventually replace it completely. In some markets like Sweden and Norway we have already past the tipping point as most people do not carry cash any longer in their wallets. https://www.crunchfish.com/cash-is-dead-long-live-cash/
This week’s Interviews are focused on Wallet security. A key topic as Digital Cash require an offline balance to protect for double-spending. To enable the required level of trust we rely on our respected Digital Cash Partners’ superior know-how and state-of-the-art technology.
This is the 7th week in the interview series Cash goes digital – a payment pandemic. The episodes will be available on Monday, Wednesday and Friday at 6 am CET/10.30 am IST on Crunchfish’s website https://www.crunchfish.com/the-interviews/ as well as on our YouTube channel
UL https://www.ul.com/ is all about empowering trust. They solve critical challenges and help innovators around the world to discover new possibilities and deliver what matters – safety, quality, security, sustainability and confidence. Exactly what Crunchfish needs to establish with our Digital Cash solutions.
Shantanu Shirke, Head of Product – Identity Management & Security Practice at UL is an extremely knowledgeable payment expert that Crunchfish has had the benefit of working with to align our terminology and solution with the EMV card rail. This is of paramount importance as this scheme is the global digital payment scheme of the world and used by networks like VISA, Mastercard and American Express. Getting our solution compliant with the EMV we joined the highway for a global roll-out of our Digital Cash.
The mission of eCurrency http://www.ecurrency.net/ is to enable central banks to issue digital currency – CBDC. They have pioneered the world’s only true CBDC solution to securely issue and distribute digital fiat currency by central banks as legal tender alongside notes and coins.
Today on January 19th, Crunchfish and eCurrency announced a partnership https://lnkd.in/gAgaN9f aimed at combining Crunchfish offline settlement with eCurrency’s DSC3 product for CBDC, https://lnkd.in/gyc2TVd. For almost a decade eCurrency has been in dialogue with central banks all over the world on the requirements of CBDC. As offline settlement is a key requirement of central banks we are very excited over this partnership.
In this interview Crunchfish’s CEO Joachim Samuelsson explores how cash can be implemented in digital form with eCurrency’s Chief Security Officer Mitch Cohen, based in Silicon Valley. We compare cryptocurrency to CBDC and discuss why blockchain may not be the right choice for implementing CBDC. https://lnkd.in/g6cyuYk.
This is interview 17 of 36 in the second season – Cash goes digital, a payment pandemic – out Wednesday morning at 6 am CET / 10.30 am IST.
On December 12, 2012 the major banks of Sweden launched Swish https://www.swish.nu/ as a novel real-time payment service. It has become a major success and with 80% penetration being a major explaination of why Sweden use less cash than any other country in the world.
Crunchfish AB has been a partner of Swish for two years. It all started by integrating the app terminal Blippit as bridge between Swish and retail POS and checkout products, exemplified here with an implementation https://lnkd.in/ekkbBXc with the leading Nordic supplier Extenda Retail. Here Crunchfish’s CEO Joachim Samuelsson interviews Magnus Lageson, a key person behind the success of Swish with his multiple roles as Lead Product, Innovation & Partner manager. In addition to confirming the applicability of Crunchfish’s digital cash for Swish as a real-time payment service, the interview became a discussion on the importance of a challenger corporate culture and to remain lean by partnering. Swish is a prime example, being one of the best-known brands of Sweden and transferring millions of transactions a day, with a surprisingly small team of only 18 employees.
Before Christmas, VISA came out with a research paper proposing a two-tier settlement architecture which confirms what Crunchfish has been saying all along for a year. An architecture with offline settlement separate from online settlement makes digital payments truly robust. https://usa.visa.com/visa-everywhere/blog/bdp/2020/12/17/central-bank-digital-1608165518834.html
This week, the three main payment schemes are in focus, card payments, real-time payments and the new Central Bank Digital Currency CBDC scheme. We will explore what payment professionals from each of these schemes think about digital cash solutions and how it complements their digital payment service.
This is the 6th week in the interview series Cash goes digital – a payment pandemic. The episodes will be available on Monday, Wednesday and Friday at 6 am CET/10.30 am IST on Crunchfish’s website https://www.crunchfish.com/the-interviews/ as well as on our YouTube channel!
Crunchfish’s revolutionary digital cash solutions with its patent pending two-tier architecture, offline vs. online, may be integrated into all kinds of eWallets regardless of payment scheme – Card rail, Real-Time Payment or Central Bank Digital Currency, for the subsequent online settlement.
In this interview Patrik Centellini, an experienced payments consultant at TietoEVRY https://www.tietoevry.com/, reflects on why the timing is right for Crunchfish to promote this kind of solution.
In addition to all the insights on payments that Patrik brings, he also tell us also about his passion for Italian gelato naturale with his own business Caput Mundi (https://caputmundi.se/) in SoFo, Stockholm. Patrik selected our friends at Pej (https://pej.se/), to provide a payment solution at his gelateria.
This is interview 15 of 36 in the second season – Cash goes digital, a payment pandemic – out Friday morning at 6 am CET / 10.30 am IST. https://lnkd.in/e5RHAYD
Bengt Nilervall is the payments expert of Svensk Handel https://www.svenskhandel.se/ since many years. He is working to promote innovation in the Swedish payments market as he believes this is the best way to provide Swedish merchants with better payment services at competitive rates. Bengt clearly understands the positive implications of providing cash in digital form as Crunchfish is suggesting. As Sweden is moving towards a society without cash it is important to quickly solve for a digital alternative that provides the robustness and redundancy that cash represents.
Bengt at the Swedish Trade Federation was co-producer of the webinar series The role of Swedish state in digital payments. He also participated in the first webinar as a panelist. https://lnkd.in/eqtrUNg
This is interview 14 of 36 in the second season – Cash goes digital, a payment pandemic – out Wednesday morning at 6 am CET / 10.30 am IST.
Ram Rastogi, a digital payments pioneer from India. Ram started his payments career in 1980 with India’s largest bank, State Bank of India https://www.onlinesbi.com/, which was a founding partner in National Payments Corporation Of India (NPCI) https://www.npci.org.in/, where Ram worked with product management and instant payment services for 10 years. Now he is a senior consultant working with multiple organizations in the Indian market as well as internationally. Ram recognized the great potential of Crunchfish’s two-tier settlement architecture, offline vs. online, very early and was willing to put his good name behind our solution and describe it to his 47 000 LinkedIn followers. He is an important influencer providing frequent and insightful news about the fast-moving payments market in India.
Here are two links from Ram’s newsletter and LinkedIn posts that was discussed in the interview. First a link where Ram’s promotes Crunchfish two-tier settlement architecture: https://bit.ly/3nzBmF6 , followed by a post where VISA experiments with very much the same architecture for Central Bank Digital Currency, CBDC as we promote. https://bit.ly/2K3E0p7
This is interview 13 of 36 in the second season – Cash goes digital, a payment pandemic. https://lnkd.in/e5RHAYD
Crunchfish’s has a revolutionary solution for digital payments. What do the payment experts think about it? We will start in by asking Ram Rastogi, a prominent payment pioneer and Indian influencer with more than 47 000 LinkedIn followers that started his career 1980 with SBI, State Bank of India and also has worked 10 years at NPCI, National Payments Corporation of India. Next in line is Bengt Nilervall, the payment expert at the Swedish Trade Federation who is constantly on the lookout for better payments solutions for Swedish merchants. We will close the week with a discussion about schemes and settlement in an interview with Patrik Centellini, an experienced payments consultant at TietoEvry, also with a background from Bankgirot that provides the settlement switch for many payment schemes in Sweden.
This is the 5th week in the interview series Cash goes digital – a payment pandemic. The episodes will be available on Monday, Wednesday and Friday at 6 am CET/10.30 am IST on Crunchfish’s website https://www.crunchfish.com/the-interviews/ as well as on our YouTube channel!
Gesture week and third and final interview. This time we take a deep dive into our patent portfolio together with Malin Ahlgren, Patent Attorney at Ström & Gulliksson https://www.sg.se/ who is our Gestures portfolio manager. On that note, did you know that Malmö, where our HQ is located, is actually the hottest European region when it comes to patents in the fourth industrial revolution? https://lnkd.in/ethFxRE
We also talk about Crunchfish’s proactive patent strategy as well as our local football club Malmö FF which Malin is a big supporter of.
Also check out this client case study that Ström & Gulliksson wrote in November about our conscious effort to build a protected market position by patents: https://lnkd.in/ecPj2wE
This is interview 12 of 36 in the second season – Cash goes digital, a payment pandemic – out Friday morning 6 am CET / 10.30 am IST. https://lnkd.in/e5RHAYD
As a special treat – an interview with Crunchfish’s lovely and talented UX design intern Kornelia Papp .
Kornelia focuses on touchless interaction with public screens, which has become a hot topic during the pandemic since people simply don’t want to touch public screens anymore. Crunchfish CEO Joachim Samuelsson talks to Kornelia about being an intern at Crunchfish, wine and cheese – and why Kornelia believes that Crunchfish is the future!
Check also out the first video Crunchfish ever published back in 2014 on our YouTube channel, which starts with touchless interaction with public screens: https://lnkd.in/ek_sdwg
This is interview 11 of 36 in the second season – Cash goes digital, a payment pandemic – out Wednesday morning 6 am CET / 10.30 am IST. https://lnkd.in/e5RHAYD
Gestures are in focus in this fourth week in our interview season. is focusing on Joachim Samuelsson starts off by talking to our senior research engineer Anders Henrysson who has a PhD in computer vision-based interaction.
Anders and Joachim discuss the intricate process of teaching a computer to recognize a hand, the difference between algorithms and neural nets, how neural nets for hand recognition are able to train themselves from data – and last but not least mountaineering and skydiving that Anders does when he’s not doing his magic at Crunchfish.
You can take a look at this video of our XR Skeleton product using only the camera sensor in a mobile phone – https://lnkd.in/erz6gwm – a really cool project that Anders has been working on.
Interview 10 of 36 in the second season – Cash goes digital, a payment pandemic – out tomorrow morning 6 am CET / 10.30 am IST. https://lnkd.in/e5RHAYD
Gestures is the focus in our fourth week of our interview season “Cash goes digital – a payment pandemic”. https://lnkd.in/ed4UQru
We will start with a deep dive into neural nets interviewing our senior research engineer Anders Henrysson (PhD no less!), followed by our UX design intern Kornelia Papp and finally we’ll be talking to Patent Attorney Malin Ahlgren from Ström & Gulliksson, who handles our extensive patent portfolio for gesture control.
The interview with Anders: https://lnkd.in/eJWHjrt The interview with Kornelia: https://lnkd.in/eZuVQ8H The interview with Malin: https://lnkd.in/eRma369
The episodes will be available on Monday, Wednesday and Friday at 6 am CET / 10.30 am IST on Crunchfish’s website https://lnkd.in/e5RHAYD as well as on our YouTube channel! https://lnkd.in/ecMPJjx
Joachim Samuelsson rounds off the Alumni week talking to Henrik Winberg, our Head of Global Sales for five years 2015 – January 2020, who currently serves as COO of Dlaboratory Sweden AB, an innovative company that provides power companies with an intelligent analytics platform to manage their grids.
Henrik and Joachim discuss the famous Ketchup effect and how technology should be adjusted to humans instead of the other way around – something that permeates everything we do at Crunchfish. Don’t miss this interesting discussion! Please visit https://dlaboratory.com/ to find out more about how they’re unlocking valuable insights in power grids with their data-based analytics tool.
Interview 9 of 36 in the second season – Cash goes digital, a payment pandemic – out Friday morning 6 am CET / 10.30 am IST.
Alumni week, Joachim Samuelsson Samuelsson is interviewing Carl Tönsgård Tönsgård, our COO for five years 2013 – 2018, who moved on and co-founded super-cool Superhumans developing AR applications. They talk about the human superpowers that Superhumans are building, about AR and aBubbl in our Nearby solution area, and how technology differs from applications.
Please visit https://superhumans.se/ and find out more about how they’re creating human-centered software for augmented reality and wearables.
Here is the link to the free touchless camera app of Crunchfish on iOS appstore. https://lnkd.in/e8vQFKP
Interview 8 of 36 in the second season – Cash goes digital, a payment pandemic – out Wednesday morning 6 am CET / 10.30 am IST. https://lnkd.in/e5RHAYD
We’re starting the Alumni week with a special treat – Joachim Samuelsson interviews a truly bright soul, Elinor Samuelsson, who used to work with UX at Crunchfish for two years 2014 – 2015 and is now the co-founder of BrightAct, winner of EUvsVirus Challenge!
BrightAct’s mission is to end domestic violence using smart tech against abuse. At Crunchfish, Elinor developed several use cases for our aBubbl product within the Nearby solution area – a perfect task for Elinor whose mission is to design for a better and more beautiful world.
Please visit https://www.brightact.org/ to find out more about the very important work that BrightAct is doing to end domestic violence, especially during the pandemic when people are spending more time at home.
Interview 7 of 36 in the second season – Cash goes digital, a payment pandemic – out Monday morning 6 am CET / 10.30 IST. https://lnkd.in/e5RHAYD
Crunchfish alumni is the focus in the third week of our interview season “Cash goes digital – a payment pandemic”! During the season holidays it is great to call on old friends and family – kicking off with Elinor Samuelsson, https://youtu.be/Y3M-CboTNzA?t=1, who used to work with UX at Crunchfish for two years 2014 – 2015 and is now the co-founder of BrightAct.org, winner of EUvsVirus Challenge!
She is followed by Carl Tönsgård, https://youtu.be/JgXRyiSYAwM, our COO for five years 2013 – 2018 who moved on and co-founded super-cool www.Superhumans.se developing AR applications, and finally Henrik Winberg, https://youtu.be/U5LY3LewC-M, our Head of Global Gesture Sales for five years 2015 – early 2020 and now serves as COO of dLaboratory.com.
The episodes will be available on Monday, Wednesday and Friday at 6 am CET / 10.30 IST on Crunchfish’s website https://www.crunchfish.com/the-interviews/ as well as on our YouTube channel!
In the third and final interview during the India week, meet Dhruv Singh, our Indian top model, world famous from several photos in our financial reports, on our website and product presentations. Dhruv is also working on several of our business opportunities in India as well as currently helping us produce more marketing photos with an Indian flair!
This is interview 6 of 36 in the second season – Cash goes digital, a payment pandemic – out Friday morning 6 am CET/10.30 am IST. https://lnkd.in/e5RHAYD
The theme for this week is India and our CEO Joachim Samuelsson talks to Gagan Kochar, our Indian payment professional. They discuss how the payment market in India is currently undergoing a fundamental change, how Crunchfish will fit into this shift, Blue Ocean Strategy – and of course the virtues of Sikhism!
Want to know more about the Blue Ocean Strategy and standing apart from the competition? Check out https://lnkd.in/gyrVsMn!
This is interview 5 of 36 in the second season – Cash goes digital, a payment pandemic – out Wednesday morning 6 am CET / 10.30 am IST. Tune in! https://lnkd.in/e5RHAYD
Interview 4 of 36 in the second season – Cash goes digital, a payment pandemic – published Monday morning 6 am CET via https://lnkd.in/e5RHAYD
The theme for this week is India and our CEO Joachim Samuelsson talks with Samar Vikram Singh, one of our guys on the ground in India – specifically in Mumbai, considered by many to be the financial capital of India. Samar has several decades’ worth of experience from the financial sector in India, and he and Joachim discusses Mumbai, the Indian de-monetization, WhatsApp Pay, and much more.
You can read more about WhatsApp Pay, the fast-growing payment service based on the ubiquitous WhatsApp messaging service, here: https://lnkd.in/e4SDzcJ
On Monday, it’s time for the second week in our interview season “Cash goes digital – a payment pandemic”! This week will focus on India 🇮🇳, starting with our man in Mumbai, Samar Singh, followed by our indian payment professional Gagan Kochar and our top model, Dhruv Singh. Our India head Vijay Raghunathan was already interviewed during the first interview season. https://youtu.be/1GbgF3tNKPQ….
The episodes will be available on Monday, Wednesday and Friday in Sweden 🇸🇪 at 6 am CET / in India 🇮🇳 10.30 am IST on Crunchfish’s website https://www.crunchfish.com/the-interviews/ as well as on our YouTube channel.
Interview 3 of 36 in the second season – Cash goes digital, a payment pandemic – out Friday morning 6 am CET. https://lnkd.in/e5RHAYD
The theme of the week is The Board and our CEO Joachim Samuelsson talks with Susanne Hannestad, member of our Board of Directors, about scaling for the world, how financial services are going digital across the globe, and how quick fintech companies can scale once their technologies get market acceptance.
Apart from being one of our board members and a Norwegian hand ball legend, Susanne is also CEO of Fintech Mundi http://www.fintechmundi.com/ , a global fintech accelerator, which has released a very interesting report about the Nordic fintech scene called “Striving, scaling or sailing? Nordic Fintech and the Future of Finance”. This report is available here: https://lnkd.in/eZ5n7Mr
Second interview of 36 https://lnkd.in/ecYsQ7g in the second season – Cash goes digital, a payment pandemic – released Wednesday morning 6 am CET. https://lnkd.in/e5RHAYD
The theme of the week is The Board and Crunchfish CEO Joachim Samuelsson has a discussion with Crunchfish AB board member Robert Ekstrom about how to build the future, digital payments in Germany and running marathons.
Below is a link to Peter Thiel’s entrepreneurial book Zero to One mentioned in the interview. https://lnkd.in/eY4xBPK
The first episode in our interview season “Cash goes digital – a payment pandemic” is out now! We start with the Chairman’s cut, interviewing Göran Linder, Chairman of the Board of Crunchfish.
Interviews will be released every Monday, Wednesday and Friday at 6 am CET over 12 weeks, so stay tuned for more!
Tune in for our second interview season “Cash goes digital – a payment pandemic”. This season will mainly focus on our Digital Cash Solutions, our radical thinking and new technology within the payment space.
The episodes will over 12 consecutive weeks be available on Mondays, Wednesdays and Fridays at 6 am CET on Crunchfish’s website and on our YouTube channel. https://www.crunchfish.com/the-interviews/
Håkan Paulsson, a board member at Crunchfish is interviewed by Crunchfish's CEO Joachim Samuelsson with lots of food laughs. Håkan shares his corporate motto ”Make money and have fun everyday” at successful IT-consultancy Q-group that he leads and co-founded with Mikael Kretz, who also has been interviewed recently.
Oscar Ahlgren, CEO of Västra Hamnen Corporate Finance believed in Crunchfish very early and help the company with its seed round back in 2012. Västra Hamnen also managed the IPO and the last two financing rounds, all heavily oversubscribed. Listen to this interview by our CEO Joachim Samuelsson that brings up how Sheikh Mohammed Al Amoudi became one of the main shareholders of Crunchfish.
Patrik Olsson is the product and technology expert on Crunchfish’s board of directors with many years of experience from technical development at Sony prior to joining the board. In this interview, our CEO Joachim Samuelsson explore with Patrik the strengths and potential of Crunchfish's two technology platforms.
Malte Zaunders is an experienced and successful businessman within growth capital and corporate finance. Since 2014 he is also a board member of Crunchfish. In this interview, Malte and our CEO Joachim Samuelsson talk about his experience in the financial sector and his interest in building and running companies. Don't miss out!
Mikael Kretz, founder of successful IT-consultancy Q-Group, is one of the main shareholders of Crunchfish. He is an extraordinary networker and was the guy that made the initial connection to our India Representative Vijay Raghunathan. Please listen to this interview by our CEO Joachim Samuelsson.
Time for another interview from Crunchfish, this time about equity research! Our CEO sits down for a chat with Alf Riple, who is Chief Analyst at Västra Hamnen Corporate Finance. Alf writes a regularly updated analysis about Crunchfish and our shares, and in this interview he describes the process of how such an analysis is made.
Slavica Todorovic är en av de som arbetat allra längst på Crunchfish. Idag är hon vår kontorschef, sköter vår ekonomi och är en av grundpelarna som ser till att allting fungerar - en riktig spindel i nätet. Missa inte denna intervju!
We start this week with an interview with Björn Andersson, European Patent Attorney at Ström & Gulliksson. Björn has been working with Crunchfish's patent portfolio for the best part of a decade, so for an in-depth overview of our IP situation - look no further.
You have seen her in pictures in our annual reports, interim reports, on our website etc. Now it's time for her to tell her story! Joachim sits down for a chat with Kai Darden-Jackson who is not only a Team Supervisor a Media Evolution City (where our HQ is) - but also our in-house Top Model!
And now, for a special interview with Daniel Milesson, our Head of R&D, Gesture Interaction. Daniel gives his view on where we are planning to apply Gesture Control in the future. An in-depth talk with a lot of techie details!
Interview time! This one is with Patrik Lindeberg, our recently-appointed COO and Sweden representative. Patrik has a long background at international tech companies and will use all of his experience in our roll-out in Sweden, a very important first market for Crunchfish. In this interview, he gives an in-depth description of our current position in Sweden. And of course, the weekly boule matches with Joachim.
Today's special treat - an interview with our Executive VP Global Sales, Joakim Nydemark. Joakim has been with us as CEO for almost eight years, and as such has very interesting and special insights to share from our journey. He also gives his view of how our journey forward will look like, both from gesture interaction and a global sales point-of-view.
Another week - another interview! This time with one of our long-time Keyboard jockeys, mr Kristian Sylwander. He talks about the development in Crunchfish from his point of view over the years he's been here, how much that can be done in a small and agile team such as ours, and what lies ahead of us. Maybe a flute concert in India?
It's time for an interview with the one and only Paul Cronholm, our founder, CTO and artist. If you want to hear about the history of Crunchfish and where we're heading - look no further. Oh, and Paul will also tell you about his Scottish heritage, so don't miss out on this one!
Time for another interview! Joachim Samuelsson sits down for a chat with Ulf Rogius Svensson, our IR & Marketing Manager, about his background in finance and also what our shareholders can look forward to over the coming years. And of course, how he is kept busy in Crunchfish's transformation towards becoming a fintech player.
Our CEO Joachim Samuelsson sits down for a chat with Linda Kronby, International Key Accounts. They talk about her background within SaaS and fintech, our possibilities on international markets going forward and also why she chose to join us at Crunchfish!
Our CEO Joachim Samuelsson sits down for a chat with our new Chief Growth Officer, Jeremie Poirier. They discuss what a CGO's role in a company is, why Jeremie chose to jump aboard the Crunchfish train, and also how Jeremie ended up with a private chauffeur at his new job...
Joachim Samuelsson interviews our India Representative, Vijay Raghunathan, about his background and about Crunchfish's opportunities on the huge Indian market.