Lahore, Pakistan · Principal Consultant, i2c Inc.

Muhammad Usman

Product strategy and operations for cards, digital wallets and open banking — turning fintech launches into repeatable, compliant, global programs.

Fintech Cards & Payments Digital Wallets Gateways Acquiring & Processing Open Banking Contactless PSD2
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18+Years in fintech
16+Years at i2c Inc.
200+Team members led
7+Markets delivered in
I2C · PRINCIPAL CONSULTANT
Muhammad Usman
Muhammad Usman
Product Strategy · Cards & Payments · Digital Banking
Based inLahore, PK
Member since2009
01 — About

18 years of turning card programs into scale.

Muhammad Usman is Principal Consultant — Product Operations at i2c Inc., leading end-to-end delivery of card programs across Prepaid, Credit, Debit and Gift — spanning Visa, Mastercard, AMEX and Discover, plus closed-loop and white-label solutions.

Over 18 years in fintech, his work sits at the intersection of technical delivery, operational leadership and product strategy: streamlining onboarding, optimizing transaction flows, and building experiences that are secure, compliant and ready for scale. He's launched dozens of fintech programs — from prepaid and credit cards to digital wallets — with global teams addressing evolving market needs, and has led product operations for teams of over 200.

If you're building the future of payments, digital banking or embedded finance — where compliance drives progress instead of getting in its way — that's the conversation worth having.

Key strengths

Where the value shows up

  • Launching scalable, customer-first card products
  • Driving workflow automation and operational efficiency
  • Enabling digital banking and wallet integrations
  • Agile-based delivery, stakeholder alignment and regulatory compliance
02 — Services

Ways to work together

Consulting and delivery support across the disciplines behind a fintech launch.

Project ManagementEnd-to-end delivery ownership
Program ManagementMulti-workstream coordination
Information ManagementData and process structure
Information SecurityCompliance-first design
Change ManagementAdoption across teams
Financial ConsultingFintech and payments strategy
Business AnalyticsDecisions backed by data
SaaS DevelopmentPlatform-led product delivery
Request services
03 — Experience

A statement of record

Sixteen years at i2c Inc., across engineering, operations and consulting.

Pr. Consultant, Product Operations | Project Manager
i2c Inc. · Lahore, Pakistan · On-site
Introduced standardized templates for client environment setup, cutting launch timelines to 30 days.
Jan 2024 — Present
2 yrs 7 mos
Sr. Consultant, Product Operations
i2c Inc. · Lahore, Pakistan · On-site
Jan 2023 — Feb 2024
1 yr 2 mos
Product Operations Consultant
i2c Inc. · Lahore, Pakistan · On-site
Jan 2021 — Jan 2023
2 yrs 1 mo
Product Operations Manager
i2c Inc. · Lahore, Pakistan · On-site
Multi-currency clearing, SMS/DMS processing, interchange revenue and expense, network and surcharge fees, financial reconciliation.
Jul 2018 — Dec 2020
2 yrs 6 mos
Associate Manager
i2c Inc. · Lahore, Pakistan · On-site
Jul 2016 — Jun 2018
2 yrs
Principal Software Engineer
i2c Inc. · Lahore, Pakistan · On-site
Jul 2014 — Jun 2016
2 yrs
Senior Software Engineer
i2c Inc. · Lahore, Pakistan · On-site
Jul 2011 — Jun 2014
3 yrs
Software Engineer
i2c Inc. · Lahore, Pakistan · On-site
Sep 2009 — Jun 2011
1 yr 10 mos
Board Founding Board Member PITF · Sep 2023 — Present
Board Software Advisory Board Member Government College University (GCU), Lahore · Jan 2022 — Present
University of the Punjab — Master of Science (MSc), Information Technology
2005 — 2007
04 — Global Deployments

Programs shipped across markets

A selection of card, wallet and open banking programs delivered on i2c's platform.

SHAREPay Card & Mobile Wallet

UAE

Award-winning digital wallet linking up to 10 cards to one, with earn-and-burn across the Majid Al Futtaim ecosystem. Named most innovative card of the year, Seamless Awards 2022.

Since Aug 2022

QNB Visa · FIFA World Cup Qatar 2022™ Prepaid Card

Qatar

Virtual Visa prepaid cards issued straight to mobile, with NFC contactless payments and Apple Pay support.

Since Jul 2022

Qatari Fintech KARTY

Qatar

Digital Visa wallet enabling instant, cashless P2P transactions plus budgeting tools, regulated under the Qatar Central Bank Sandbox.

Since Jan 2022

Ooredoo Digital-First Payments

Qatar

Digital-first payment initiatives built on i2c's agile banking and payments platform.

Since Sep 2021

BEYON Money × Visa Super App

Bahrain

First open banking super app under a Central Bank of Bahrain license — retail, bill and P2P payments, bank connections and digital remittances.

Since Jul 2021

Zolve — Banking for Global Citizens

USA

Bank accounts newcomers can open before arriving in the US, with FDIC-protected balances up to $250,000 and no upfront fees.

Since Mar 2021

Jifiti Consumer Financing

France

In-store and online financing with instant virtual card issuance on approval, processed through Mastercard.

Since Jan 2021

TAG — Pakistan's First Digital-Native Financial Super App

Pakistan

Digital-native financial super app built for the Pakistani market.

Featured project

Banco do Brasil Americas® EMV Prepaid Card

Brazil / US

EMV prepaid card launched on i2c's global processing platform.

Featured project

Corporate Prepaid Solutions

Australia

The uChoose card — a turnkey, brandable Visa gift card for companies, usable anywhere Visa is accepted.

Since Jan 2015

Apple Pay for Najm Prepaid Cardholders

Middle East

Apple Pay enablement for reloadable prepaid cardholders across the Middle East.

Featured project

CardFlex Japan

Japan

Flexible card program delivery for the Japanese market.

Featured project
05 — Skills

Selected from 51 endorsed skills

Product & Delivery
Product Operations Program Management Agile Methodologies Problem Solving Continuous Improvement
Fintech Domain
Card Issuing Digital Wallets Open Banking Contactless / NFC Regulatory Compliance
Leadership
Compliance Management Stakeholder Alignment Change Management Business Analytics
06 — Contact

Let's talk about your next launch

Building a card program, wallet or open banking product? Send a note below.

Based in Lahore, Pakistan — working with teams globally across cards, payments and digital banking.