Päivi Heikkinen is head of the Payment Systems Department and chief cashier in Bank of Finland. The Payment Systems Department is responsible for central bank duties in cash supply and for oversight of payments and payment and settlement systems in Finland. That department also analyzes the impact of digitalization p, the financial sector and prepares the Bank of Finland’s policies related to cash and payment systems. Heikkinen has worked in various management positions both in the private and public sector and she has been a member of several Eurosystem working groups. Currently, she is a member of the Banknote Committee (BANCO) and Market Infrastructure and Payments Committee (MIPC). Päivi has M.Sc. (econ.) from Turku School of Economics.