The interviews

Joachim Samuelsson. Genius Leadership. S3E1.

Also available as podcast via SoundCloud, Apple Podcasts, Spotify and elsewhere where podcasts are available.

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.

This is interview 1 in season 3: Digital Cash – Partners and Patents, out Monday morning at 6 am CET / 10.30 am IST.


Jarkko Turunen. Nordic leader @ TietoEVRY. 32/36.

TietoEVRY 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.

Houssam Soubra. Certifying Digital Cash @ UL. 33/36.

UL 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…/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.

Kaushik Roy. World-wide switching @ ACI Worldwide. 31/36.

ACI Worldwide 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.

Johnny Lönnberg. ClearOnline. 29/36.

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, 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…/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.