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Episode Title: ๐ซ๐ฎTrailblazing & We Women Need to Up our Game! ๐ซ๐ฎ
Fitting! In this 250th Episode of Heads Talk and today for the ๐ต โ๐ ๐จ๐๐ฃ๐๐ฆ๐ ๐๐ ๐๐๐ ๐๐ ๐๐๐๐๐ค๐ฅ๐ฃ๐๐๐ฅ & ๐๐ ๐๐๐ช๐ต series we have the long-awaited episode with the frank, fearless, and formidable Monika Liikamaa, Co-CEO of Enfuce. My kind of woman! I thoroughly enjoyed this candid, truth-bomb-filled conversation packed with sharp insights into how she and co-founder Denise Johansson built the company from scratch.
Enfuce is a trailblazer in payments, the first to run a cloud-based card issuing platform, and its CaaS (Card-as-a-Service) model is powering the financial industryโs shift to modern, API-first solutions. Enfuce enables clients to launch feature-rich card and payment services in weeks, not months, with industry-leading uptime and stability. Applications range from expense management and neobanks to loyalty programmes, fuel cards, and consumer lending.
Since its founding in 2016, Enfuce has grown to over 13 million active card users, processing nearly โฌ1 billion in annual transactions, and has recently expanded into Germany and France.
With nearly 20 years in banking and tech, Monika has led Enfuceโs rapid growth across Europe, securing record-breaking funding for female founders and forging key industry partnerships. A strong advocate for ESG, sustainability, and diversity in tech, she challenges leaders to take meaningful action.
Topics Covered:ย
โฝ๏ธ Modular Cloud-Based Platforms & Cybersecurity Risks. How Enfuce pioneered cloud-native card issuing while staying resilient against modern cyber threats.
โฝ๏ธLiving and Breathing Compliance - It's not a burden, it's a Culture
โฝ๏ธRegulatory Complexity: Navigating Dual Licensing - Operating under both the Finnish FSA and UK FCA. How Enfuce manages the regulatory maze across jurisdictions
โฝ๏ธData Sovereignty & Cross-Border Compliance - Keeping data local, secure, and compliant while operating in a global ecosystem
โฝ๏ธOpen Banking & DeFi: Disruption or Opportunity? How Enfuce sees decentralised finance and open banking as growth catalysts, not threats
โฝ๏ธESG, Sustainability, and Social Inclusion
โฝ๏ธEveryone Should Give A Damn Campaign
โฝ๏ธSolidarity? What are you afraid of? - Why women often undermine each other in leadership. Monikaโs take on breaking that cycle
So downloadโณgrab a cup of Bird & Blend Tea Co. - Mojitea Tea โ๏ธ& listen๐
Episode Sponsored by
โฝ๏ธAccxia - ๐ผ๐ฆ๐ฃ๐ ๐ก๐'๐ค ๐๐๐ฃ๐๐๐ค๐ฅ โ๐ฃ๐๐ง๐๐ฅ๐ โ๐๐ ๐ฆ๐ ๐๐ ๐ฃ ๐ธ๐ฅ๐๐๐ค๐ค๐๐๐
In Partnership with
โฝ๏ธMoney 2020 Europe - Heads Talk Discount code HDT200ย
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