Päivi Heikkinen is Head of 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. Payment Systems Department also analyses the impact of digitalization to financial sector and prepares Bank of Finland policies related to cash and payment systems. Päivi has worked in various management positions both in private and public sector and she has been member in several Eurosystem working groups. Currently she is member in the Banknote Committee (BANCO) and Market Infrastructure and Payments Committee (MIPC). Päivi has M.Sc. (econ.) from Turku School of Economics.