TerraPay builds payments infrastructure globally, providing a B2B real time cross border payments service for mobile wallets and bank accounts; as well as transaction processing, clearing and settlement services for regional and domestic faster payment systems.Our best-in-class technology serves as the interoperability engine that enables our partner’s customers to send and receive real-time transactions across diverse payment instruments, platforms and regions.We believe in the power of the mobile to transform financial inclusion, and are building the digital payment infrastructure to fulfil our vision of being able to send money to any mobile.TerraPay is registered and regulated in several jurisdictions worldwide.

I designed credit card, debit card, prepaid and mobile payment programs for banks and large retail chains. I also helped setup these programs with program managers and payment processors.In addition, I worked with startups in the payments and mobile app space as an advisor and domain expert.

I had leadership roles in three portfolio companies of MPower Ventures, an Austin, TX-based fund that invests in the prepaid debit card and mobile payments sectors globally.In addition, I had advisory roles for the group’s telecommunications strategies and products globally and I personally managed mobile payments implementations in the Asia Pacific region - New Zealand, Australia, Vietnam and India.

MPOWER Mobile. Inc., (formerly Sapphire Mobile Systems Inc.) operates a global mobile banking and payments network.I managed the India operations of the company.

Rêv India is the operational subsidiary of Rêv Asia Pacific Limited, a MPower Ventures company.As Director, I have shared responsibility for corporate affairs; legal, financial and regulatory compliance, and strategy.

Rêv built and operates a global network designed specifically to innovate cutting-edge, end-to-end payment solutions that bring financial empowerment to underserved markets. Rêv’s processing platform achieves standardization and consistency worldwide while seamlessly adapting to local currencies, customs, languages and laws.I was responsible for Rêv's mobile banking and transactions products across our Asia Pacific deployments, as well as product development for prepaid programs for new markets. In addition, I shared responsibility for strategy, compliance and business development for new markets.

As a consultant, I advised clients on biometrics, network security, IT strategy and management communications.

Vox Spectrum is a Detroit-based telecommunications service provider with business lines in voice and data interception, analysis and actionable intelligence; passive infrastructure and product distribution. Operationally, the company is based in the UAE.I was responsible for the entire technology, engineering, implementation and software development. I established the UAE development centre and in addition, provided strategic, technology and business inputs into other areas of business.I was also responsible for business development in South Africa, by identifying, partnering and building up dealer networks, enabling and supporting sales into government, utilities and law enforcement.

I worked with various companies in the BPL Innovision Business Group, starting with Oyeindia Internetworks, which developed and managed portals for the BPL group companies. I built up a full development team for Oyeindia, and then, as the Internet crash happened, my team and I merged with two other group software companies in the services space to form Wirefree Innovision Technologies.Seeing an opportunity in the mobile platform market in developing countries, I pushed for, and succeeded in building, a telecom products company. Wirefree (now Tayana) builds a range of products in the SS7 service node and SMS and voice messaging space, from SMSCs to Chat Servers, and has successfully sold these products to several Indian and international operators.

I was one of three promoters of a full-service Internet and Web consultancy, which provided a range of services from Web presence strategy to e-commerce and large site hosting. Other projects executed included designing a segmented data delivery service for a satellite radio broadcaster.

Business analysis for and project management of a ERP system for a INR 400 million chemical manufacturer with multinational facilities. The system comprised finance and accounts, materials, exports and human resources modules across four locations in India and two locations in the USA, covering the entire materials life-cycle, the order cycle, and the human resource functions.

Designed, implemented and managed administrative, accounting, personnel and information technology systems for a INR 600 million leather garment manufacturer and exporter.Facilities under my charge included two factories employing over 650 people, as well as an administrative office. Information systems developed were deployed over these three facilities, as well as in seven other locations within India, in Europe and in Russia. A payroll system was developed specifically to handle the kind of semi-skilled workforce employed, which had a significant monthly turnover. Also developed a computerized material tracking system from the store to finished goods dispatch. Reported to the Managing Director.

Managed the underwriting, accounts, policy services, office services and EDP departments in large (INR 270 million and above) branch offices. I had specific responsibility for underwriting individual proposals up to INR 0.5 million. I was also instrumental in adding several non-computerized functions to the ambit of the EDP department, after negotiations with branch-level employee trade unions. This paved the way for a successfully implemented total branch computerization effort.