Behind the Scenes at Holvi. Holvi was founded by entrepreneurs, tired of the time and effort that money management and business bureaucracy took up. Holvi is here to make entrepreneurs’ every day life easier.

Founded in 2011, Holvi is a banking service designed for the new era, all about connectivity and full flexibility. Holvi is the world’s first financial hub operating with its own Payment Institution Licence authorised for operations across Europe by the Financial Supervisory Authority of Finland (FIN-FSA).

No one works at Holvi just by coincidence. In addition to building a brand new financial hub, we are also part-time bloggers, designers, developers, photographers, musicians and event organisers. We know what it’s like to set your own path and that’s why we are so dedicated to helping you grow your passion into a business.

Holvi knows no borders. Our service lives online, accessible from anywhere, to anyone. We have Nordic roots (Helsinki, Finland) but we are a global community with a team of over 40 members, of 18 different nationalities. We’re driven by unique ideas and experiences, helping us to deliver our new and innovative platform.

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Why we created Holvi

Holvi was founded by entrepreneurs, tired of the time and effort that money management and business bureaucracy took up. We no longer wanted our business to be held hostage by unnecessary and time-consuming financial processes so we set out to design a banking system that is effortless and actually helps to run a business.

Knowing the pain of business admin first-hand has helped us to create a platform that takes it away so we can all focus on the things that really matter. We are entrepreneurs, for entrepreneurs.

All the services that we have always missed are now wrapped into one nice package that is incredibly fast and easy to use. Entrepreneurs and businesses are at the heart of everything we do. And we want to provide them with something that they enjoy and actually want to use.

Antti-Jussi Suominen


Holvi is helmed by Antti-Jussi Suominen, a senior executive with previous track record in driving new business growth in companies such as Sonera, Nokia and Elisa. He has extensive general management experience in building and running new businesses and innovation in the mobile and online services domains in both corporate and startup environments. Antti-Jussi’s background in different industries, most recently in online games and mobile commerce, plays an essential role in accelerating Holvi’s transition from a fast growing fintech company to an even more customer centric online service.

Tuomas Toivonen


The start of Holvi was initiated by Co-Founder Tuomas Toivonen. Having consulted governments and mobile operators worldwide on payment infrastructure for over 15 years, he decided to build a radically better banking solution from scratch. Experienced entrepreneur and technologist, Tuomas is also a dedicated scout and is always accompanied by Senna – Holvi’s very own office dog.

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