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BBVA-backed fintech Holvi is a payment service launched in 2011 , designed for freelancers and entrepreneurs . The platform provides financial management tools as well as a business account to help these individuals better manage their funds . The FinTech is headed by CEO AJ Suominen , whom you may recognise from a number of other institutions such as Nokia , Habbo Hotel and Sulake . Holvi has recently announced that it will be expanding into the UK . Suominen had this to say : “[ The UK ] is the biggest sole trader market in Europe . There are nearly six million small businesses and threequarters of those have no employees , i . e . they are one-person operations . If you want to make it big in Europe in this area you have to be in the UK at some point .” APRIL 2020