7 Ways We’re Walking the Talk on ESG.
By Monika Liikamaa & Denise Johansson, Co-Founders and Co-CEOs of Enfuce.
Every company has a statement, a slide deck, or a sustainability page buried somewhere on their website. But meaningful action? That’s a different story.
At Enfuce, we’re not here to tick boxes or drop buzzwords. We don’t do ESG because it looks good in an annual report, we do it because we believe business has both the power and the responsibility to drive real change. ESG isn’t a side initiative; it’s embedded in everything we do and deeply rooted in our Nordic DNA.
We’re committed to challenging the status quo, raising the bar, and yes—even rolling up our sleeves when it matters (sometimes literally, as you’ll see). Because real impact doesn’t come from intention alone, it comes when you walk the talk.
And here are seven bold ways we did exactly that in 2024:
1. We Closed the Gender Pay Gap.
As a female-founded and female-led company, gender equality isn’t just something we support—it’s something we live and lead by.
From day one, we’ve been intentional about building a workplace where women are empowered, represented, and heard at every level. In 2024, that commitment translated into a major milestone: we achieved full gender pay parity across Enfuce.
We took deliberate action, through structured reviews, data-driven benchmarking, and targeted compensation. We didn’t stop at “good enough,” and we never will. That’s why we’re equally proud that women hold 50% of senior leadership roles at Enfuce.
2. We Offset 100% of Our Emissions.
At Enfuce, we don’t just measure and report our emissions. We take action to reduce them. In 2024, we partnered with Lune Climate to offset 100% of our emissions, carefully selecting high-integrity projects that align with our values and the UN Sustainable Development Goals.
And this is just the beginning. We’re aiming for net zero by 2040, and we’re working with our suppliers to clean up the entire chain, because sustainability is a shared effort.
3. We Championed Financial Inclusion.
Let’s be clear—we’re not in fintech just to make payments smarter or more efficient. (Though we’re excellent at that, too). We’re here to reshape the future of payments to create a digital economy that’s inclusive, sustainable, and accessible to everyone.
We put that mission into action by partnering with governments and NGOs to deliver real support where it matters most. In 2024 alone, through more than 52,900 prepaid cards, we enabled over €170 million in secure payments for refugees and vulnerable communities via public sector partners like Migri and Kela in Finland. For many of these individuals, these weren’t just cards—they were a connection to dignity, stability, and independence.
4. We Literally Tested Waterways.
No, this isn’t a metaphor. We actually tested lakes and rivers. As part of our ESG “Give a Damn” series, we jumped into action and tested Sääksjärvi Lake in Finland and the River Thames in the UK.
The results were eye-opening. Sääksjärvi was crystal clear, with low levels of nitrates and phosphates, a sign that strong environmental policies and public awareness do make a difference. The Thames, on the other hand, showed much higher nitrate levels. Not because people don’t care, but because when systems fail and no one’s really looking, nature ends up paying the price.
It might seem like a small thing, but it reminded us why this work matters. Sustainability isn’t about big speeches—it’s about showing up and doing the work.
5. We Elevated Fraud Prevention.
Fraudsters evolve. So do we. Back in 2019, we stepped up our game by integrating Featurespace’s flexible, cloud-based solution into our payments platform.
Fast forward to 2024, and we’ve taken it even further—migrating to Featurespace’s most advanced fraud detection tech yet, meaning better performance, sharper analytics, and an accuracy rate that now exceeds 95%. We’re also optimising our platform for machine learning, laying the groundwork for smarter, faster, and more proactive fraud detection.
Because, let’s be honest, fraud doesn’t just hurt businesses, it carries a very real human cost, funding exploitation and serious organised crime.That’s why this work matters. It’s fewer losses for our partners, smoother experiences for cardholders, and one giant leap ahead of the bad guys.
6. We Made ESG Part of Everyone’s Job.
ESG is everyone’s job at Enfuce. That’s why in January 2024 we launched our first internal climate action challenge, encouraging our people to adopt more sustainable habits, in partnership with climate action platform Deedster.
Together, we saved over 23.6 tonnes of CO2, equivalent to 130 return flights between Paris and London, with 99% of our people taking on at least one challenge to positively impact the environment.
And it doesn’t stop with our internal efforts. At Enfuce, we actively seek out partners who share our values—collaborating to launch products and services that reflect a genuine commitment to ESG.
7. We Backed the Next Generation of Tech Talent.
In 2024, we doubled down on our commitment to future talent through partnerships with grit:lab, a cutting-edge tech school in the Åland Islands, and Innokas, a pioneering program bringing robotics and coding to classrooms across Finland.
And we didn’t just cheer from the sidelines, we hired three grit:lab graduates into full-time roles at Enfuce. Real opportunities, real impact, and a clear signal that investing in the next generation pays off.
Where We Go From Here
Let’s be clear: we’re proud of what we achieved in 2024—but we’re nowhere near done.
This work is ongoing. Because ESG is a mindset, a movement, and a mirror we hold up to ourselves to ask: are we really doing enough?
From advancing gender equality to cutting carbon and fighting financial crime, our mission is to keep raising the bar, not just for ourselves, but for the industry as a whole to build a more sustainable future for this generation and the next.
Curious about how we’re making that happen? Read our full 2024 ESG report and see what walking the talk really looks like.
