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@startupiceland
Nothing to Lose? What the Record Actually Says — and Why I Am Voting No on August 29 This is the fourth piece in a series. The first three argued that Iceland's high cost of capital is mostly self-made — built into pension regulation, banking concentration, and the indexation regime — and therefore fixable at home, without adopting the euro.... https://startupiceland.com/2026/07/22/nothing-to-lose-what-the-record-actually-says-and-why-i-am-voting-no-on-august-29/
Reforming Iceland’s Economy: The Myth of Euro Benefits The Engine Is Ours to Rebuild: Why the Euro Won't Fix Iceland's Cost of Capital — and What Would…... https://startupiceland.com/2026/07/17/reforming-icelands-economy-the-myth-of-euro-benefits/
Why Iceland’s Mortgage Indexation Persists Despite Public Outcry The Painkiller That Became the Disease: Why Iceland Cannot Let Go of Indexation Every few years, Iceland decides to abolish verðtrygging.... https://startupiceland.com/2026/07/16/why-icelands-mortgage-indexation-persists-despite-public-outcry/
Om Malik, 1966-2026 Om was one of those rare people who left every place a little richer simply by being there.... https://startupiceland.com/2026/06/26/om-malik-1966-2026/
The Battlefield Every Founder Knows
I have spent seventeen years sitting with founders at their most honest moments. Not the moments they share on stage at Startup Iceland. Not the polished narratives on LinkedIn, the fundraising announcements, the launch posts. The other moments. They occur at the end of a long day. The metrics are wrong, and the board meeting is on Thursday. The ones that happen at 2am when something in the…
Adapting to New Startup Realities: What Founders Must Know
The King is dead. Long Live the King! There was a time—not that long ago—when building a startup followed a fairly predictable script. You raised money on a strong idea.You hired engineers.You bought yourself time to build something meaningful.And if things went well, you eventually found product–market fit. That world is gone. Completely. And yet, strangely, the essence of the game hasn’t…
The most important impact of AI coding tools is not that engineers will write less code. It’s that millions of new builders will emerge. For decades the limiting factor in software was not ideas. It was people who could build. That constraint is disappearing. We’re entering a world of software abundance where individuals, teams, and small organizations will build their own tools, automations, and micro-products. I wrote a short piece on why this may be the most exciting time ever to be a software engineer.
Technology today is no longer just a tool. It’s an environment we live inside. After decades in this industry, I’ve come to believe that most technological failures are not technical—they’re human. In this piece, I explore why inner development must keep pace with technological power, and what ancient human values can teach us about building a future that truly serves humanity. Would love to hear how others are thinking about this.
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Why Trust Matters: Insights from Nordic Strategies
I spend most of my professional life thinking about trust. As an early-stage investor, I’m constantly reminded that capital is never the scarce resource. Trust is. Just because an investor writes a check does not mean a founder owes them trust. Trust has to be earned—through consistency, alignment, and behavior over time. And once it is lost, it is almost impossible to recover. There is a…
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Unlocking the Ocean's Economic Potential with Technology
Technology as the Lever to Unlock the Ocean’s Economic and Planetary Potential Introduction — The System We Depend On For millennia, the ocean was at the edge of human consciousness — vast, mysterious, and distant. We admired it, feared it, and fished from it, but we never fully understood its complexity or true scale. Today, that relationship has changed. The ocean is no longer a backdrop to…
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AI-Powered Reykjavik Parking App: Save Time and Money
Finding parking in downtown Reykjavik shouldn’t need a PhD in Icelandic parking rules. Yet for visitors—and honestly, even for locals—figuring out P1, P2, and P3 zones can be frustrating. When is it free? Which garage is closest? What will it cost? So we decided to fix that. And with AI as our coding partner, we built a working parking app in a single afternoon. The Problem If you’ve ever…
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Freedom of expression became controversial not because speech changed, but because social media transformed its reach. What we are witnessing today is not a collapse of free speech, but a collapse of incentives. Outrage is no longer accidental—it is engineered, amplified, and rewarded by algorithms optimized for engagement. In response, Europe has increasingly turned to censorship and punishment, while the United States clings to maximal legal protection. Both approaches miss the deeper problem: the real power over speech now lies not with speakers, but with the systems that decide what gets amplified.
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Þegar gagnleg tækni gerir skaða: Röðun á helstu áhættum gervigreindar og hvað Ísland getur gert í dag
Gervigreind er ekki lengur fjarlæg hugmynd sem bíður einhvers staðar í framtíðinni. Hún er þegar orðin hluti af verkfærum okkar, þjónustunni sem við notum, og í auknum mæli ákvarðanatöku í samfélaginu. Fyrir frumkvöðla, stefnumótendur og almenning er spurningin ekki lengur hvort gervigreind muni móta samfélagið – heldur hvernig við tryggjum að hún styrki, en veikji ekki, þau kerfi sem við byggjum…
When Helpful Machines Hurt: Ranking AI Risks and What Iceland Can Do About Them
AI is no longer an abstract idea. It is embedded in our tools and services. It is increasingly noticeable in our decisions. For founders, policymakers, and citizens, the question has changed. Now, we must consider how to guarantee AI strengthens society. We must make sure it does not weaken the foundations we depend on. For a small, digitally advanced, high-trust society like Iceland, this…
Íslenski fasteignalána markaðurinn eftir dóma Hæstaréttar: Frá óvissu til gagnsæis og aga
Eftir Bala Kamallakharan (the original article in English can be found here) Í október 2025 komst íslenski fasteignalána markaðurinn á sögulegan vendipunkt. Hæstiréttur úrskurðaði gegn Íslandsbanka í fordæmisgefandi máli um breytilega vexti í íbúðalánum. Í kjölfarið varð óvissa á markaði, bankar frystu lán, Fjármálastöðugleikaráð gaf út viðvaranir og stjórnvöld hófu kapphlaup við að koma á…
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Iceland’s Mortgage Market After the Supreme Court: From Discretion to Discipline
In October 2025, the Icelandic mortgage market reached an inflection point. The Supreme Court ruled against Íslandsbanki in a landmark case involving variable-rate clauses in mortgage contracts. Overnight, one of the most important pillars of Icelandic household finance — mortgage credit — was thrown into uncertainty. Banks paused products, the Financial Stability Council issued warnings, and…
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Innovation isn’t about limitless power. It’s about finding new representations of reality that make the impossible, possible.