FinTech for SMBs

Michael Ghandour is a serial entrepreneur (1x exit) and investor. Today, Michael is founder & CEO of Kema, a fintech startup accelerating cash flow for SMEs in the UAE and the broader MENA region. Prior to Kema, Michael has been deeply involved in the regional startup ecosystem – investing, building and scaling tech startups. Most notably, Michael was co-founder of mumzworld.com, a Dubai-born startup that became one of the largest baby e-commerce in MENA before it was acquired by Tamer Group in 2021. Michael is also an active investor, supporting exceptional entrepreneurs and regional VCs. Michael holds a MBA from London Business School and a B.Eng in Mechanical Engineering from McGill University.

Anjali Aggarwal, Head of Business GCC, Noon Payments: Anjali has a longstanding career in the banking and fintech sectors with expertise in driving robust payment solutions such as Ecommerce, Payment Gateways, BNPL, and VAS that enhance client networks and streamline payments in a cost effective manner. Anjali has contributed her strong leadership and knowledge to renowned organizations such as Noon, Zomato, Bank of America and her dedication, vision, and leadership have made her a respected figure within the Fintech and banking sectors in the MENA Region.

Omer is the Founder & CEO of PostEx, Pakistan’s largest e-commerce service provider, offering easy access to capital with embedded logistics. Previously, Omer has worked in finance & sales at different leading financial institutions and has also been a professional football player, representing the Pakistan National Football team for 2 years.

Nizar Almaree, Beehive Fintech’s Group Chief Development Officer and KSA Country Manager, spearheads operational growth and leads KSA expansion. He previously introduced embedded finance at Nymcard and led Beehive’s initial KSA expansion. His background includes key roles at the Ministry of Media and PWC, contributing to national transformation initiatives.

Warda is the Director for Strategic Communications at FTI Consulting, where she specializes in fintech and digital assets within the Technology, Media, and Telecommunications (TMT) segment. In her role, she leads comprehensive strategic communications mandates that encompass strategy design, narrative and content development, media relations, stakeholder engagement, and government relations advisory. Warda also provides go-to-market strategy guidance, working closely with fintech companies, financial regulators, and cloud service providers to shape and execute impactful communication strategies.

Salman Attieh is the Founder and CEO of Jumlaty, a platform transforming supply chain finance for small and medium-sized enterprises in Saudi Arabia’s HORECA sector. He established one of Saudi Arabia’s first venture studios, which evolved into Jumlaty. Leveraging, smart finance solutions, software, and AI, Jumlaty empowers small restaurants and cafes to to operate more efficiently, contributing to the goals of Vision 2030. Salman attributes his success to his incredible team and remains committed to supporting the growth of the F&B industry in the region.

Naif AbuSaida is a seasoned Senior Executive with over a decade of experience in Strategy, Communications, Marketing, and Business Development. He has successfully led Corporate Communications, Public Relations, and Brand Management across various industries, including Energy, Telecom, Aviation, and Healthcare. Naif’s notable achievements include executing GE’s $1 billion investment plan in Saudi Arabia, launching the first National Breast Cancer Screening Program in partnership with the Ministry of Health, and managing GO Telecom’s IPO. He also brings 11 years of media experience as a journalist, reporter, and TV anchor for major outlets. Known for his results-driven approach, Naif has a proven track record of driving growth and innovation, contributing to both start-up and established organizations across the Middle East.