Malek Mroueh brings over 30 years of experience in the card and payments industry to MSQ, having undertaken several leadership roles throughout his distinguished career. His in-depth knowledge of global payment landscapes has been developed through living and working across multiple continents, including the UK, Cyprus, Malaysia, and Dubai.

Professional Background

As the founder and CEO of MSQ, Malek is based in Dubai when not traveling to meet clients wherever they are globally. Previously, he served as Regional General Manager for the Asia, Middle East, and Africa region at TSYS, one of the world's largest payment processors.

Education & Qualifications

M.Eng in Microelectronics, Middlesex University, UK

B.Eng in Microelectronics, Middlesex University, UK

Payment Solution Design

Comprehensive expertise in designing and architecting payment solutions that meet complex business requirements while ensuring scalability and compliance.

Market Development

Proven track record in market expansion strategies, having successfully launched payment services across diverse geographic regions and market segments.

Payment Cards Consulting

Deep expertise in payment card ecosystems, including issuing, acquiring, processing, and compliance across multiple card schemes and markets.

Digital Payment Innovation

Extensive knowledge of digital payment channels, mobile payments, and emerging technologies transforming the payments landscape.

International Payment Systems

Comprehensive understanding of international payment regulations, cross-border transactions, and multi-market compliance requirements.

System Integration

Technical expertise in complex system integrations, API development, and modernization of legacy payment infrastructure.

Thought Leadership & Speaking

Malek is a passionate speaker at international conferences and events, frequently representing the industry's perspective on emerging payment trends. His particular interests include financial inclusion, embedded finance, and the practical application of blockchain technologies in payment systems.

Financial Inclusion

Advocating for payment solutions that expand financial access and inclusion, particularly in underserved markets and emerging economies.

Embedded Finance

Exploring innovative approaches to integrate financial services seamlessly into non-financial platforms and customer journeys.

Blockchain Applications

Investigating practical applications of blockchain technologies in payment systems, focusing on real-world implementation and benefits.

Global Experience

Malek's international experience spans multiple continents and diverse market environments:

United Kingdom

Extensive experience in the UK market, including regulatory compliance, payment innovation, and fintech ecosystem development.

Cyprus

Deep understanding of European payment regulations and cross-border payment solutions within the EU framework.

Malaysia

Comprehensive knowledge of Southeast Asian payment markets, including mobile money, digital wallets, and emerging payment technologies.

United Arab Emirates

Strategic location serving as the hub for Middle East and Africa operations, with deep regional market knowledge and regulatory expertise.

Speaking & Advisory Services

Malek is available for various speaking and advisory opportunities:

Conference Speaking

Industry conference keynotes and panel discussions on payment innovation, market trends, and technology developments.

Executive Briefings

Private briefings for executive teams on payment strategy, technology selection, and market positioning.

Advisory Board Positions

Strategic advisory roles for fintech companies, payment processors, and financial institutions seeking expert guidance.

Market Entry Guidance

Strategic consulting for companies looking to enter new markets or launch new payment services.

Advisory Network

MSquared Consultancy maintains relationships with a carefully selected network of industry experts, technologists, and regulatory specialists to ensure our clients receive comprehensive support across all aspects of their payment transformation initiatives. Our advisory network includes former executives from major payment companies, regulatory experts, and technical specialists who contribute their expertise on complex engagements when specialised knowledge is required.

Industry Veterans

Former executives from leading payment companies providing strategic insights and industry connections.

Technical Specialists

Expert technologists specialising in payment systems architecture, security, and emerging technologies.

Regulatory Experts

Specialists in payment regulations across multiple jurisdictions, ensuring compliance and risk management.