Hicham Zerouali

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payroll management transaction processing pos kiosk management remittance services lending services online payments bill payments mobile banking payment solutions prepaid cards debit cards credit cards loyalty programs atm management pos management e-commerce payment gateway card management system financial transaction processing fraud management risk management third-party processor electronic disbursement services wages protection system micro finance payroll services contactless payments dynamic currency conversion merchant acquisition digital inclusion programs utility bill payments mobile top-up bank partnerships corporate incentives government benefit cards employee salary processing business intelligence card production customized solutions value-added services customer retention automated payroll foreign currency transactions open loop gift cards general purpose reloadable cards insurance replacement cards data analytics cross-border payment solutions transaction security field problem resolution self-service solutions emv chip technology multi-channel payments financial institutions partnerships underbanked services credit solutions financial services e-commerce consumer internet consumers internet information technology & services analytics