Niko Karhapää is building the most loved wallet in the world as Strategy Execution Lead at Vipps MobilePay. He works with Vipps MobilePay’s payment strategy and strategic partnerships across the Nordics.
With experience spanning payments, strategy, regulation and commercial development, Niko brings the perspective of a leading Nordic digital wallet to the discussion. As a founding member of the European Network for Payments (ENP), Vipps MobilePay is actively working towards European payment interoperability and sovereignty. Niko will explore how regulation, competition and market-driven innovation can shape a more competitive and sovereign European payments landscape.

‍