Axel graduated from Columbia Business School in the US.

Previously he worked at Mastercard where he led market expansion for digital payments, and at Spendesk as Head of Banking.

Spendesk has raised $311m to this date from top investors worldwide.

Michael spent 8 years as a Staff Engineer at Google before leaving to lead the development of WhatsApp's Commerce Platform.

He now brings that best-in-class software expertise to Kulipa.

After honing his skills with a Computer Science degree from EFREI, Karl gained a wealth of experience as a backend developer on various projects, from startups to banking.

One of those projects was at Spendesk, where he met Axel while working in the Financial Services unit.