Work & Projects

Selected work with a short note on why each initiative mattered.

• Tekkis
  A product family — t-Pay for payments, t-Verify for identity — on one cloud-native, API-first platform.
  Why it mattered: Gave merchants a single integration across every major Malaysian payment rail instead of one per acquirer.

  2021–2023 Acquired

• eJamin
  Malaysia’s sole national digital bail infrastructure, operating across the court system.
  Why it mattered: Removed friction from a high-stress legal payment process for citizens at the worst moment of their week.

  2019–Present Live · National

• MyPay
  Government bill payment across 49 agencies, with retail acceptance and cash digitisation alongside it.
  Why it mattered: Made government payments reachable through one consistent digital pathway instead of agency-by-agency processes.

  2019–Present Live · National

• DuitAwal
  Earned-wage access and digital financial aid, running on a purpose-built open banking payments engine.
  Why it mattered: Gave workers access to wages they had already earned instead of pushing them toward high-cost short-term credit.

  2024–Present Live

• BizKecil
  A finance platform built for micro-SMEs, sized for businesses the banks find too small to serve.
  Why it mattered: Micro-SMEs sit below the threshold where traditional lending economics work, leaving a large segment unserved.

  2024–Present Live

• Teekrr
  A legacy government SMS platform repositioned as a multi-channel commercial communications product.
  Why it mattered: The legacy platform had a single government channel and a shortcode with a known end date.

  2025–Present Shipping

• Analytics and Decision Systems
  Analytics and data-led operating models for retention, usage, and marketplace scale across Southeast Asia.
  Why it mattered: Converted large operational datasets into practical decisions and interventions.

  2016–2023 Past