MyPay
Summary
A bill payment utility covering 49 government agencies and extended to 326 billers, sitting in a portfolio with MyPosPay for over-the-counter retail acceptance and Kocek for coin and cash digitisation.
Why it mattered
- Made government payments reachable through one consistent digital pathway instead of agency-by-agency processes.
- Kept cash-preferring and underbanked citizens inside the same payment system through counter and coin channels.
- Strengthened operational visibility for agencies and their governance stakeholders.
What I did
- Led product and platform architecture with security and governance embedded from the start.
- Grew coverage to 49 government agencies and extended the biller network to 326 billers.
- Built out MyPosPay as the over-the-counter retail acceptance channel for citizens who transact in person.
- Added Kocek for coin and cash digitisation, bringing physical cash into the same digital rails.
- Defined data controls and reliability standards for agency-scale service delivery under audit expectations.
Lessons / principles
- Public digital platforms need resilient operating models, not just software releases.
- Digital-only coverage leaves people behind; counter and cash channels are part of the product.
- Adoption improves when reliability, clarity, and support are treated as one system.
Founder lessons
- High-availability architecture lowers operational and reputational risk.
- Governance quality can become a competitive advantage at institutional scale.
- Team design determines whether systems remain resilient after growth.
Status
2019–Present Live · National