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Episode Title: 🇫🇮Trailblazing & We Women Need to Up our Game! 🇫🇮

Fitting! In this 250th Episode of Heads Talk and today for the 💵 ℙ𝕠𝕨𝕖𝕣𝕗𝕦𝕝 𝕎𝕠𝕞𝕖𝕟 𝕚𝕟 𝕎𝕒𝕝𝕝𝕤𝕥𝕣𝕖𝕖𝕥 & 𝕄𝕠𝕟𝕖𝕪💵 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 industry’s 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 €1 billion in annual transactions, and has recently expanded into Germany and France.

With nearly 20 years in banking and tech, Monika has led Enfuce’s 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:
◽️ Modular Cloud-Based Platforms & Cybersecurity Risks. How Enfuce pioneered cloud-native card issuing while staying resilient against modern cyber threats.
◽️Living and Breathing Compliance - It's not a burden, it's a Culture
◽️Regulatory Complexity: Navigating Dual Licensing - Operating under both the Finnish FSA and UK FCA. How Enfuce manages the regulatory maze across jurisdictions
◽️Data Sovereignty & Cross-Border Compliance - Keeping data local, secure, and compliant while operating in a global ecosystem
◽️Open Banking & DeFi: Disruption or Opportunity? How Enfuce sees decentralised finance and open banking as growth catalysts, not threats
◽️ESG, Sustainability, and Social Inclusion
◽️Everyone Should Give A Damn Campaign
◽️Solidarity? What are you afraid of? - Why women often undermine each other in leadership. Monika’s take on breaking that cycle

So download⏳grab a cup of Bird & Blend Tea Co. - Mojitea Tea ☕️& listen🛋

Episode Sponsored by
◽️Accxia - 𝔼𝕦𝕣𝕠𝕡𝕖'𝕤 𝕃𝕒𝕣𝕘𝕖𝕤𝕥 ℙ𝕣𝕚𝕧𝕒𝕥𝕖 ℂ𝕝𝕠𝕦𝕕 𝕗𝕠𝕣 𝔸𝕥𝕝𝕒𝕤𝕤𝕚𝕒𝕟

In Partnership with
◽️Money 2020 Europe - Heads Talk Discount code HDT200

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