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.

💪 Strength Finds Us

People often ask me where my strength comes from.
The truth is — I never went out looking for it.
It found me.

It found me as a young woman with big dreams and no clear path.
It found me when I was told “this might be too hard” — and I decided to do it anyway.
It found me when I became a mother of four, building a company from scratch while trying to be fully present at home.
It found me when leadership meant standing alone in rooms where I wasn’t expected to be —
and still speaking with conviction, heart, and purpose.

Strength isn’t about never falling.
It’s about learning to rise, every single time.
It’s about leading with empathy when the world tells you to be tougher.
It’s about building something meaningful without losing your humanity along the way.

Over the years, I’ve learned that strength doesn’t always roar.
Sometimes it whispers: “One more try.”
Sometimes it sits quietly beside you when you’re tired, reminding you that you’ve overcome worse.
And sometimes it surprises you — showing up right when you think you’ve run out.

We, as women, carry so much more than we give ourselves credit for.
We build, nurture, and drive change — not because it’s easy, but because it matters.
And in the process, we discover that we don’t have to chase strength.

Because when you lead with love, purpose, and belief —
strength always finds you.

✨ To every woman reading this:
Keep showing up. Keep leading your way.
Even on the days when it feels heavy — trust that strength is already on its way to you.

There are so many amazing women in this world — and I’m endlessly proud to be part of a circle that lifts each other higher.
Strong women lift each other. Always. 💪✨


Tina Suomi Aino Bergius Elin Dölker Denise Johansson Deb Dutta Das Christina Dahlblom Anna Przewoznik Saoni Mukherjee Annina Lehtimäki Anuja Deshpande Anastasia Tzeveleka Anne Boden Anna Sillanpää Amy Jasmin Hägerström Fadumo Ali  Patricia Lohman Marika Pirhonen Daphne Noordhoff Vanessa Schotes Linda Essén Nicole Heringer Amy Oshin Tamara Maria Morge Quintela Melissa Walsh Melissa Harju Merja Hilska Oksana Skorodihina Minttu Oinonen Miapetra Kumpula-Natri Maria Gartz Marie Kymalainen Melinda French Gates Laura Tuominen Joanne Dewar Joanne Waldron Louise Hill Silvia Mensdorff-Pouilly Kirsi L. Henrietta Dahlqvist

Co-founder, co-CEO at Enfuce the leading European card issuer processor. "Legacy isn’t about how long they remember you. It’s about what they carry forward because of you."

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💪 International Day of the Girl

These three remind me every day why it matters to believe, build, and be brave.

My daughters and my goddaughter are growing up in a world full of opportunities — but also full of noise telling them who they should be. I want them to know they already have everything they need to lead, to speak up, and to change the world.

Empowering girls isn’t just about equality — it’s about shaping the future with courage, kindness, and conviction.

Let’s keep showing every girl that she doesn’t need permission to dream big or take space.

#DayOfTheGirl #EmpowerHer #Leadership #Entrepreneurship #GirlsWithDreams

💫 Luin juuri Woltin tarinan.
Sama fiilis kuin The Hard Thing About Hard Things -kirjaa lukiessa; rehellinen, raadollinen ja inspiroiva kuvaus siitä, mitä yrittäjyys oikeasti on.

Ei siloiteltua menestystarinaa, vaan totuudenmukainen matka epävarmuuden, rohkeuden ja päättäväisyyden läpi.
Tarina siitä, mitä tarkoittaa uskoa ideaan niin vahvasti, että jatkaa, vaikka kaikki järki sanoisi toisin.

Hattua päästä Mikille, Mariannelle, Rikulle ja koko Woltin tiimille 💙
Teidän tarinanne inspiroi — ei vain kasvuyrittäjiä, vaan kaikkia, jotka haluavat tehdä mahdottomasta mahdollista.

Iso kiitos myös kirjan kirjoittajille, Katjalle ja Merinalle, hienosta työstä. 👏

… ja kun tähän lisää Martenin Kasvun kaavan sekä Timon & Jyrin Startup-käsikirjan, syntyy täydellinen paketti kaikille, jotka elävät ja hengittävät yrittäjyyttä.

Don’t do shit – get shit done.
Ideas are worthless – execution is everything 🔥

🇮🇹 Italy — we are here!

Today marks something big.
FLEET220, a ROUTE220 company and certified B Corp, just launched ODOS — a game-changing mobility solution powered by Visa Fleet 2.0, built together with Enfuce and Cardlay.

💳 One open payment layer for everything on the road — EV charging, fueling, parking, tolls, maintenance, micromobility, and more.

🌍 One purpose: enabling smarter fleets, cleaner journeys, and faster corporate decarbonization.

No more closed loops. No more fragmentation.
Just open, scalable innovation that makes mobility simpler — and more sustainable.

Massive congratulations to Carolina Solcia and the incredible FLEET220 team, and to Visa and Cardlay for true partnership in action.

At Enfuce, we’re proud to bring our cloud-native issuing and processing platform to ODOS — powering secure, compliant, and effortless payments that move Europe toward a low-carbon future.

Italy, we’re just getting started. 💥

🔗 Read the full press release: https://lnkd.in/dfBjqjwn

#VisaFleet #Enfuce #Cardlay #FLEET220 #Mobility #Innovation #Decarbonization #Partnership #Sustainability #Fintech #Payments #Italy

Why I’m heading to Web Summit Lisbon 2025 🇵🇹

Web Summit isn’t just a tech conference. It’s where the world’s innovators, investors, and thinkers gather to shape what’s next — and challenge what’s broken.

I’m going because we need more than fast growth. We need fortitude.

At Enfuce, we’ve built our journey on doing business the right way, with values, integrity, and sustainability at the core. That’s why we founded the Fortitude Pledge — our commitment to bold, sustainable growth built on transparency and courage, and to making SDG 16 – Peace, Justice & Strong Institutions a reality in the payments industry.

This year in Lisbon, I’ll take that message to the stage in two sessions:

💸 Funding fintech: Navigating the next decade
🕑 Tuesday, Nov 11 | 14:05 – 14:25 | Centre Stage
With Prashant F. , CEO of Fundbox
Moderated by Charlie Perreau, Tech Editor at Les Échos

Topic: How fintech funding is evolving — from shifting market dynamics and venture capital flows to defining what sustainable, resilient growth really looks like in the decade ahead.

⚙️ Simplifying to scale
🕛 Wednesday, Nov 12 | 12:50 – 13:10 | Growth Summit Stage
With Simone Skovshoved, Head of Policy at Danish Entrepreneurs

Topic: How smarter, simpler regulation can help startups scale across Europe — enabling innovation, cross-border growth, and trust in equal measure.

Both conversations will explore how we can build a stronger, more united Europe — one where innovation and integrity go hand in hand, unlocking growth that lasts.

Because the future of finance depends not just on how fast we grow, but on what we stand for while we do it. 💪

#Leadership #Integrity #Fintech #Sustainability #Innovation #Enfuce #PurposeDrivenGrowth #Europe

Open article: Monika Liikamaa | Web Summit by websummit.com

🔥 Super excited to be on stage at MoneyLIVE Nordic Banking next week!

We’ll be talking about investor–founder partnerships — what works, what doesn’t, and why the human side of it matters so much.

As a founder, I’ve learned that great partnerships aren’t built on money alone — they’re built on trust, honesty, shared purpose, and the courage to challenge each other when it counts. When those things align, magic happens. When they don’t… well, you learn fast.

📍 Tuesday, October 28th at 11:55am
💜 MoneyLive Nordic Banking

Can’t wait to share stories from the Enfuce journey — the highs, the lows, and the lessons that shaped who we are today.

#MoneyLive #Fintech #Entrepreneurship #Founders #Leadership #Growth #Enfuce

We’re growing fast — and we’re building something big. 🚀

At Enfuce, we’ve always believed that payments should empower, not complicate. That’s why we’ve built one of Europe’s leading issuer processing platforms — trusted by customers who dream big and execute boldly.

Now, we’re scaling up.
Faster, wider, stronger.

We’re expanding across Europe (and beyond), onboarding incredible new customers, and pushing the boundaries of what’s possible in payments — safely, compliantly, and sustainably.

And to do that, we need more brilliant minds.

💡 Why join us now
Because this is the most exciting stage of the journey.
The foundation is strong — our technology, our culture, and our purpose — but the biggest growth is still ahead.

You’ll be joining a team where you can truly make a mark, shape how fintech is done at scale, and build products that touch millions of lives.

We’re looking for people who:
✨ Think like builders and act like owners
✨ Love solving complex problems with simplicity
✨ Believe in teamwork, transparency, and trust
✨ Want to grow with a company that’s redefining payments in Europe

At Enfuce, we’re not just processing transactions.
We’re powering possibilities.

If that sounds like your kind of challenge — come build the future with us 💙

👉 See open roles at Enfuce

#Enfuce #WeAreHiring #Fintech #Payments #Growth #Teamwork #Innovation #ScalingUp

Ready to build your happiest career yet? 🌟 Enfuce is growing across several teams! 

It’s not just another job, but a journey with the company where happiness is built in.  
Check out our open roles and apply today: https://lnkd.in/eQV9eTjV

#Enfuce #HappinessBuiltIn #Hiring #FintechCareers #JoinUs

Nuorissa on tulevaisuus – ja se tulevaisuus rakennetaan teko kerrallaan 💙

Siksi olen ihan superiloinen, että Enfuce on jälleen mukana tukemassa Innokas -ohjelmointi- ja robotiikkaturnausta! 🤖✨

Meidän yhteistyömme Innokas Network kanssa alkoi jo vuonna 2018, ja siitä lähtien olemme uskoneet samaan asiaan: että oppiminen, teknologia ja rohkeus kokeilla voivat muuttaa lasten ja nuorten tulevaisuuden.

Innokas tekee upeaa työtä – se antaa lapsille ja nuorille mahdollisuuden oppia tekemällä, kokea oivalluksen iloa ja nähdä, miten teknologia voi olla väline unelmien toteuttamiseen.

Tässä turnauksessa ei ole kyse vain roboteista tai ohjelmointikielistä, vaan luovuudesta, tiimityöstä, ongelmanratkaisusta ja uskosta omaan potentiaaliin.

Enfucella uskomme siihen, että teknologia kuuluu kaikille, jokaiselle lapselle, joka haluaa oppia ja kokeilla.

Siksi olemme ylpeitä siitä, että saamme olla mukana tukemassa Innokas-verkoston työtä – työtä, joka rakentaa rohkeampaa, osaavampaa ja tasa-arvoisempaa tulevaisuutta.

👉 Lue lisää Innokas2026-turnauksesta ja tule mukaan

#innokas #innokasturnaus #enfuce #teknologia #oppiminen #tulevaisuus #rohkeus #lapsetjanuoret

Innokas2026 ohjelmointi- ja robotiikkaturnauksen tiedot on julkaistu!

Turnaus koostuu maaliskuussa eri puolilla Suomea paikan päällä järjestettävistä alueturnauksista sekä turnausvuoden huipentavasta valtakunnallisesta etätapahtumasta, jossa palkitaan turnauksen valtakunnallisessa arvioinnissa sijoittuneet joukkueet.  
Lue lisää sivuiltamme ja tule oppilas- tai lapsiryhmäsi kanssa mukaan!
https://lnkd.in/df2xgCwu

🤖 Innokas ohjelmointi- ja robotiikkaturnaus on lapsille ja nuorille suunnattu tapahtuma, jossa mitellään viidessä ohjelmoinnin ja robotiikan taitoja soveltavassa Innokas-lajissa: XSumossa, Pelastuksessa, Tanssi/teatterissa, GameDevissä ja uudistuneessa Keksinnössä.

#innokas #innokasturnaus Enfuce

So proud of you, Linda! 💫

Seeing you named Best Marketing Rising Star makes my heart burst with pride. 💖 You’ve grown so much over these seven years, and what a ride it’s been! From day one, your curiosity, creativity, and can-do spirit have stood out — and you’ve turned ideas into real impact.

You’ve helped shape how the world sees Enfuce, built our brand with purpose, and shown what next-gen marketing looks like when it’s done with passion and heart. 💎

Huge thanks also to Vanessa for transforming our marketing into a true business driver, and to Nicole for the creativity and energy you bring to every idea. Together, you make magic happen.

This is Enfuce at its best — bold, collaborative, and full of people who make things happen. 🚀

#ProudCEO #TeamEnfuce #MarketingExcellence #Leadership #NextGenMarketing

Wow — feeling so grateful! Can’t believe I was named the Best Marketing Rising Star! 🥹✨

In just about a month, I’ll be celebrating 7 years at Enfuce. When I joined, I had a feeling that the ride would be special but never thought that would be so extraordinary and being working with next-gen marketing, doing impactful and fun things every single day!

Huge shoutout to Vanessa Schotes, who came in and completely changed our marketing — turning it into a real business driver and showing how powerful it can be. And to Nicole Heringer, my partner in crime in all things brand 
— our brainstorm sessions are the best! ❤️

And feeling so lucky to have the best and most supportive co-founders and co-CEOs, Denise Johansson and Monika Liikamaa, who back our wild ideas and work so closely with us 🙏✨

And of course, to the whole Enfuce team, especially our amazing marketing and commercial teams - you’re the real magic! We have so much fun together, and that’s exactly what makes the magic happen 🚀❤️

🚨 Encore alert! Join us for After Dark next month! 

After last month's sell-out show, we're doing it all over again – and tickets are available right now! 

Join us at London's Village Underground on Thursday 20th November for a live episode of Fintech Insider News featuring:

Hosts:
 🎤 David M. Brear - Group CEO at 11:FS
 🎤 Kate Moody - Strategy Director at 11:FS

Special guests:
 ⭐ Thomas Easterby - Head of Fintech at HSBC Innovation Banking
 ⭐ Monika Liikamaa - Co-Founder and Co-CEO at Enfuce

Followed by networking and, with Christmas fast approaching, a few festive-themed surprises. 👀

Seats are limited – don't miss out! 

Grab your ticket here 👉 https://lnkd.in/eF79T3_i 

Sponsored by Enfuce, HSBC Innovation Banking and Formance.

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