Heiki likes to spark meaningful and challenging discussions. You will either find him captious or captivating. Prior to co-founding Aprila, a small business challenger bank, he established a customer driven disruption lab outside the red tape of DNB, in order to explore what is the future of banking. Neither being a bank nor becoming digital emerged as the centerpiece.
He holds an MBA in strategy and entrepreneurship from Instituto de Empresa (IE) in Madrid. During his career he has managed divisions, teams and projects within strategy and innovation. In many shapes and forms.