Raoul Mulheims’ first experience in digital product building started in 1996 with Luxembourg’s largest social network named Luxusbuerg which peaked at 70’000 users. In 1999, he co-founded his first company, Nvision – a digital agency – in his final year at law school in Paris. Nvision quickly turned into one of the leading digital agencies in the country with a staff of 30. In 2006, he became the general manager of a spin-off named Mpulse which is handling over 90% of micropayments made via mobile operators. In 2009, Mpulse established a subsidiary in France. In parallel, it began to develop a new platform focusing on bank-centric mobile payments. In 2012, Raoul became the CEO of this new venture named Digicash Payments which is running the Luxembourg banks’ mobile payment scheme.