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Nino Pavičić
Episode · #501

MISLIŠTE Nino Pavičić

Guest Nino PavičićHosted by Sandro KraljevićMay 3, 2026
About this episode
What you'll hear in this conversation

Nino Pavičić operates at the intersection of where many people are still asking "what *is* that?" and where a select few are building the financial systems of tomorrow. As co-owner of the fintech and crypto newsletter Fintech Wave, Pavičić has had to distill the complexities of financial technology not just for his audience, but for his own family and friends who struggle to grasp what a "newsletter business" even is. His path into this niche wasn't a sudden pivot, but an organic evolution from years in IT, observing how technology reshapes industries. The conversation explores not just the mechanics of fintech, but the mindset required to build a business in a space so new it requires constant explanation, and the quiet work of building a new venture. Readers will walk away with a clearer understanding of how emerging financial tech impacts daily life, and the less glamorous, but essential, aspects of entrepreneurial grit.

Insights from the conversation
What to take from this episode
01
Nino's family and friends still ask him "what *is* that?" when he explains his primary business, a fintech and crypto newsletter. When you're building a new kind of business, the first challenge isn't the market, but simply explaining your existence to the people closest to you. The clarity you gain by repeatedly answering "what do you do?" is itself a form of market validation.
02
His interest in fintech didn't start with an "aha!" moment, but evolved from five years in IT, working on web, mobile apps, marketing, and data. Your next venture often isn't a sudden passion, but a natural progression from adjacent fields, where accumulated experience quietly prepares you for a new domain.
03
Fintech, he believes, will change how we use money as profoundly as the iPhone changed how we use smartphones, citing examples like cheaper international money transfers for migrants or Revolut for investing. The real impact of a new technology isn't just in disrupting established industries, but in democratizing access to services and fundamentally altering everyday habits for a broader population.
04
Asked if one can live without technology today, Nino suggests buying land in Lika, growing your own food, and living off the grid. Opting out of technology today isn't a passive choice; it's an active decision to embrace a radically different lifestyle, effectively choosing to live outside the dominant societal current.
05
His decision to leave a secure job for entrepreneurship, while seen as "brave" by others, was for him "a logical sequence of some of my life circumstances." What appears to be a bold, risky leap to an outside observer is often, for the entrepreneur, a natural and almost inevitable next step, shaped by a lifetime of smaller, interconnected experiences.
06
Nino and his current business partner started with small ventures while in college, including a service writing CVs and motivational letters for students. Early, seemingly insignificant side projects, even those that don't scale, are crucial for building the entrepreneurial muscle and partner dynamics that can lead to more ambitious ventures later.
07
On going "all in," Nino has a divided opinion, noting some build businesses on the side for years, while others jump in without a developed plan. The critical factor for entrepreneurial success isn't the timing of your full commitment, but your mental preparedness for the daily grind, the inevitable self-doubt, and the long, non-linear path.
08
He describes moments of self-doubt: "you're not normal for doing this," "you could be earning two, three thousand euros for a firm. Why do you even need this?" The most persistent challenge in entrepreneurship isn't external competition or market conditions, but the internal battle against the siren call of conventional stability and the questioning of your own sanity.
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