Monika Liikamaa

Chief Consultant

Enfuce

Monika Liikamaa is the co-Founder and co-CEO of payment service provider Enfuce. Monika’s visionary thinking and her 20+ years of experience in the fast-paced payment industry has enabled Enfuce to integrate services for its customers in record time. Building sustainable solutions is a core value of the company and this is made possible thanks to Monika’s wide knowledge of the industry. Monika believes wholeheartedly that a business is nothing without a great team of people, and that is why she has joined forces with industry experts as co-founders and employees. Enfuce is one of the leading Fintechs in Europe, with over 16 million end-users on its platform.

Co-Founder

Finnish Information Security Association (FISA) - Tietoturva ry

Finnish Information Security Association (FISA) is the largest information security association in Finland. FISA is a non-profit association, which objective is to advance information security professionalism, awareness and best practices. Activities include member meetings, discussion groups, company visits, conferences, CISSP-certification and participation of various information security programmes.

Member of the Board

Aktia

I worked at Aktia Bank as the interim director responsible for Aktia Cards and Payments Business Unit. The unit works with the overall Lifecycle management of Aktia Visa branded cards and consumer credits and servicing Aktia Finance with services in regards to running their Mastercard program. My goal at Aktia is to ensure the growth targets set by Aktia strategy. I also had the P&L responsibility attached to my role.

Director Cards and Payments (interim)

Project director responsible of implementing the solutions, products and processes related to the Aktia - R-Kioski partnership, where customers can purchase Mastercard Global Prepaid cards at 619 R-Kiosks in Finland and also implement the "pay your bills" service at R-Kioski via Aktia.

Project Director, Cards & Payments

Crosskey Banking Solutions

Responsible for Crosskey Card and Mobile Payments Business

At Crosskey I have been in charge of setting up the Card Business Unit, organising, staffing and setting the vision and goals for the unit, I had P&L responsibility. I was a member of the executive team of Crosskey and as a regional director also responsible for our Finnish market.

Crosskey Card and Mobile Payments Solutions cover most parts of the card issuance sector. The services and solutions handle everything from applications to billing. All parts required to operate a card business, such as card manufacturing, accounting and printing, are examples of interfaces that are available. Crosskey has direct connections to both Mastercard- and Visa- schemas. The solution is also a hub for mobile payments, where the end-user can create payments to other people. 

At the Card and mobile payments unit we were the first unit at Crosskey to change our work processes to Agile. We have gone from a traditional waterfall methodology to an agile (scrum) way to work, we deliver high quality by working according to Software Development Life Cycle with great emphasis on test automation.

I was the program owner of PCI DSS at Crosskey and was a key player in ensuring that Crosskey became PCI DSS Compliant back in 2013 and implemented the PCI DSS quality mindset in the Business As Usual daily processes.

Director

S-Pankki

As the CIO of S-Bank I was responsible for the bank's Service production and IT department and a member of the executive team of S-Bank. I was responsible for ensuring that the banks infrastructure and solutions fulfilled the business needs of the bank. I restructured and streamlined the organization in order to meet the demands of the post-project way of work within the bank. A member of the S-Group Strategic IT forum. When S-Bank acquired Citibank Finlands consumer lending business, I was responsible for the merger of the loan portfolio into S-Bank including IT and resources

Proactum

I had the opportunity to be a part of starting up Proactum. Worked with various issues related to a start-up company; everything from developing the company website, recruiting people, offering to customer prospect to setting up the office IT. Started to work as a consultant for the S-Group in a project to setup a Bank for the Group, S-Bank. At the S-Bank project I worked as a test manager in the beginning of the project, responsible for the technical tests. The responsibility grew to lead the implementation and setup of S-Banks Card System and being a key role in the overall technical projects related to setting up the bank.

TDC Song

As the IT Manager responsible for the internal IT of TDC Song (acquired Song Networks) I was a team manager of the Finnish IT personnel. My responsibilities included budget responsibility, internal IT development budget, the operation of the internal IT infrastructure and that the IT supported the company’s needs from information technology such as mobile devices and PCs.
I was a member of the Nordic IT management team at TDC Song.

IT Manager

Song Networks

As a project manager at Song Networks (who acquired Telia Finland) I worked with different projects such as implementing a common Active Directory for Finland, Sweden and Norway. Implementing a GIS system to keep track of the Telco network.

Project Manager

Telia Finland

As an International Network Planner I worked in the switching team at Telia Finland, working with Ericsson AXE switch, responsible for the international network connections.

International Network Planner

Cap Gemini

As a consultant at Cap Gemini I worked as a programmer (PL SQL) within the Telecom and Media Business Unit. I worked at projects for the Post of Finland (Suomen Posti) and Loviisan Voimala.

Consultant

I co-founded Enfuce in 2016, at 41, when my youngest was 7, with a mission to reshape the payments landscape in Europe. Today, we’re building the #1 issuer processor in Europe by 2035, with a bold goal of €10B in ARR.

I lead with integrity, customer obsession, and a deep belief in doing what's right — even when it’s not easy. I’ve never had patience for corporate politics or empty buzzwords. I believe in clarity, directness, and empowering people to own outcomes.

At Enfuce, we’ve built a culture that prioritises values over egos. We’ve moved away from “product knows best” to a model where strategy starts with the customer, and scale comes from process, ownership, and smart execution.

Beyond fintech, we've launched Everyone Should Give a Damn — a call to action for leaders to take responsibility for the social and environmental impact they create. From driving ESG initiatives to supporting underrepresented voices, I believe leadership means stepping up where it matters.

I'm passionate about supporting female founders, challenging the status quo, and showing what’s possible when you blend ambition with authenticity.

💬 If you want to talk about scaling, fintech, values-based leadership or how to build a unicorn without losing your soul, let’s connect.

Monika Liikamaa is the co-Founder and co-CEO of payment service provider Enfuce. Monika’s visionary thinking and her 20+ years of experience in the fast-paced payment industry has enabled Enfuce to integrate services for its customers in record time. Building sustainable solutions is a core value of the company and this is made possible thanks to Monika’s wide knowledge of the industry. Monika believes wholeheartedly that a business is nothing without a great team of people, and that is why she has joined forces with industry experts as co-founders and employees. Enfuce is one of the leading Fintechs in Europe, with over 13 million end-users on its platform.

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