Khaled Sayed, a highly experienced fintech professional with a proven track record of launching and supporting innovative payment and application products. With more than fifteen years of experience in the industry, Khaled has a deep understanding of the latest trends and technologies in digital payments, mobile wallets, and super apps.
https://www.linkedin.com/in/khaledsayed
With around 15 years of experience Khaled went through long journey started from digitizing mobile recharge and voucher services followed mobile wallet, mobile transfer, mCommerce, credit card processing, cross border remittance and financial services projects. Khaled is an expert in Mobile Payments in emerging markets with strategic and practical “hands on” experience of developing and operating mobile money services in different markets including Egypt, Mauritania, UAE, Canada and many more.
Participate in the launch of mobile wallet program by negotiating with financial partners to define the involved parties scope, role, responsibilities and cost or revenue share model.
Authorities and regulator negotiations to shape the regulation, controls, limits and AML rules and ensure it fits the market needs and allows smooth consumer experience and flexible product design.
Participate in the market and consumer research, build the consumer surveys flow prior to any new services or products launch to evaluate the project potential and predict the consumer adoption model.
Create the project commercial strategy and GTM-Go to market- plan with the detailed launch campaigns and possible on ground sales and marketing activities and the strategic tactical moves to expand the product functionality and lead the market.
Develop the project BC -Business case- and the pricing, fees and commission model and handle the revenue share scheme for connected service providers or service aggregators.
Handle end to end customer experience and design the omni-channel flow for use cases that can be accessed through different channels including USSD, IVR and Mobile app unified service flows.
Illustrate the consumer experience with the needed UML tools to examine the successful path and the other possible experience exceptional needs to be considered. This usually includes the flow defense mechanism against business errors or other possible technical failures.
Design the consumer life cycle starting from the initial opt-in phase along with the month over month awareness, on going CRM communication strategy and the dormant base engagement activities.
Develop the customer acquisition strategy, sales target, commissioning strategy and the needed logistics to ensure effective and efficient acquisition plan.
Build business KPIs, monitoring and revenue analysis reports with multi dimensional criteria that monitors the growth rate, product awareness and customer engagement.
Participate in writing RFP document with functional and non functional scope and develop the commercial and technical evaluation matrix.
Support in creating scope, description, internal or external process and consumer Q&As documents.
Implement the security and fraud controls starting from the data storage controls, the system integration API authentication and integrity controls, fraud controls from white or black labeling, velocity, racing, limits, blacklist and other auditing controls.
Skills
- Strategy creation and full end to end product experience design
- eCommerce and mCommerce payment gateways design
- Mobile Top-up, P2P and bill payment solution design
- Mobile wallet, Mobile payment and mobile ecosystem design and integration
- Mobile Money Transfer MMT, Mobile e-Voucher, TMS and POS integration
- Payroll, m-Ticketing, m-Ordering, m-Coupon and MFS Microfinance platforms
- M-Banking, mPOS systems and Card-less ATM design
- IMT International money transfer Hub design and integration
- Online MIGS, Cybersecurity, Card Processing and ACH file handling payment gateways
- HSM security module integration and implementation
- NFC, RFID and QR implementation and product design
- PCI-DSS standards and compliance implementation
- Virtual debit card and Virtual retail solutions implementation
- Security, fraud and digital certificate controls
- Digital payment and digital mobile apps design