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Heikki Koivula has extensive experience in commercial operations and executive roles in companies such as ABAX and Enento Group. With a background in business insight, risk decisions, and consumer information, Heikki has a strong track record in product development, P&L delivery, pricing, and sales support. Additionally, Heikki has held key positions in the OP Bank Group Central Cooperative, focusing on mortgage finance and consumer finance. Heikki has a solid educational background with degrees from Stanford University Graduate School of Business, University of Jyväskylä, and University of Tampere. Heikki is known for their expertise in driving innovation and new ventures in the digital banking sector.