Monami Tech, a division of Monami group, is launching a suite of innovative solutions and products for banks and financial institutions. These products are made to redefine banking in the developing world by bringing in an international team of practitioners, partnering with renowned software developers (Novatti) and investing in active industry leaders (Intelligenes). The team at Monami Tech is able to understand gaps in the financial market where the ability to provide tailor-made solutions will increase efficiency, simplify operations and create tried and tested services that are best in class.


    Monami Group, lead by Ammar Afif (CEO), is a conglomerate of industry leaders with a vast experience in managing companies and operating the Tech space for over 30 years. It is a first time collaboration of practitioners in this field to address the high demand for innovative financial solutions in the developing world. In addition to launching its own company; Monami Group’s mission will be to accelerate its presence in the region by acquiring companies in the developing countries that have an existing customer base, unique products and a stable management team. We believe there is significant arbitrage opportunities available if we can find these companies in countries that are still early in the private capital markets space and are focused on either new start-ups or larger companies while ignoring the small to mid-market sector.



      An advanced cash management solution that allows banks to offer cash management solutions to its corporate clients by automating the advanced processes of Payments and Collections.


      Remittex is a remittance management and processing solution that completely automates the remittance process.


      An exclusive solution that provides banking on finger tips with effortless self service and smooth transaction processing. It offers high security features minimizing the level of frauds to the least.


      Alexxo is the first locally developed ITIL service desk successfully running at several organizations providing a platform to automate the key services and managing back office support resulting in increased quality of service.


      Flexepin is an open-loop cash voucher that can be redeemed online as an alternative payment method to credit cards. Flexepin vouchers can be purchased in retail stores and then used online to pay for products or services directly, or instantly top up a digital wallet.


      TransferBride provides a cross-border network to process airtime, cash transfer, bill payments, purposeful remittance or donations. TransferBridge allows any agent to integrate into the network and start reselling any partner product.

      Our team

      Our team maintains an effective mix of development experience and seasoned leadership.


      Ammar has more than 20 years of experience in leading finance and strategy for key technology and service organizations in the United States. He has worked for leading venture capital and private equity firms in the technology sector for various industries including media, healthcare and financial services. He has led acquisitions, fundraising (equity and debt) and has grown companies and eventual exits. He is a graduate of McGill University in Montreal Canada and is a chartered accountant.

      Ammar Afif
      CEO Monami Group

      Najam is an entrepreneur with over 10 years of experience in providing technology consultancy and solutions to customers belonging to multitude of industries ranging from manufacturing, technology, telecom, government, healthcare and most prominently the banking industry. He has a bachelor degree in Computer Science from Shaheed Zulfikar Ali Bhutto Institute of Science and Technology and a Marketing MBA from the Institute of Business Management.

      Najam us Saqib
      CEO Intelligenes and Monami Tech (Pakistan)

      Umer brings over 10 years of experience to the team in Web Applications Development, System Analysis and Project management by successfully delivering applications to large enterprises in Pakistan, UAE, UK, USA and Canada. He graduated with a degree in Software Development from Shaheed Zulfikar Ali Bhutto Institute of Science and Technology and received his MBA from the College of Business Management.

      Umer Nawab
      CTO Intelligenes and Monami Tech (Pakistan)

      Before joining the Monami Tech team, Nimmer was a financial consultant for Israa Capital focusing on projects. He graduated from the University of British Colombia with a Bachelor degree in Sociology with a specialization in Urban Studies. While there, he co-founded Kalama Collective, an organization focused on promoting cultural arts, music and performances to the Vancouver community.

      Nimmer Khokhar
      COO Monami Tech

      Before Monami, Adriana worked for National Oilwell Varco, a US based Oil & Gas company in areas of business development, inventory management and analytics. She studied Business Management and Economics at Tusculum College, USA.

      Adriana Vizcarrondo
      VP Marketing


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