Crunchfish AB

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/

S2W12E36. Forum Moderator. Cash goes digital - a payment pandemic. by Crunchfish AB

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/