Michael Ayoub

Michael Ayoub

Mentor
4.9
(70 reviews)
US$20.00
For every 15 mins
42
Sessions/Jobs
ABOUT ME
Solution Architect & Innovation Leader | Fintech & Digital Expert
Solution Architect & Innovation Leader | Fintech & Digital Expert

I’m Michael Ayoub, a Solution Architect and Innovation Leader with over 15 years of experience delivering complex, scalable, and secure technology solutions across fintech, banking, aviation, and enterprise platforms. I specialize in digital transformation, payment systems, enterprise architecture (TOGAF), and product development, with hands-on leadership across B2B, B2C, and microfinance ecosystems. Having held senior roles in companies like Sharjah Airport, Banque Misr, Fawry, and CashCall, I bridge business goals with cutting-edge technology, driving innovation, operational efficiency, and regulatory compliance. Passionate about aligning IT strategy with business value, I thrive in dynamic, cross-functional environments and continuously explore emerging tech to fuel growth and competitive advantage.

Arabic, English
Abu Dhabi (+04:00)
Joined March 2017
EXPERTISE
8 years experience
8 years experience
7 years experience
8 years experience
7 years experience | 1 endorsement
8 years experience

REVIEWS FROM CLIENTS

4.9
(70 reviews)
Igor Wise
Igor Wise
August 2025
I don't recommend it. I needed to check if the PDFs had been edited. In addition to this mentor, I ordered and paid for four more. All from different countries and different platforms - not only from Codementor. All four came to the conclusion that the files were edited or created. All gave arguments with the provision of all information with provision of codes. The examination employed industry-standard forensic techniques including: - Metadata extraction and comparison - Internal structure analysis - Document fingerprinting - Statistical content analysis - Font and formatting comparison. This mentor's response: "I did not see clear signs of editing within the PDF text itself (like overwritten text or mismatched fonts), so each document appears to be a faithful copy of the email content as exported." Is this an expert's examination of the files or the opinion of some pizza seller?
Aria Narayan Vikram
Aria Narayan Vikram
August 2025
michael was great and solved our bug in minutes!
Removed User
Removed User
August 2025
Very helpful and patient.
Luke Turner
Luke Turner
August 2025
Very patient and was able to answer my questions well. Thanks!
Ernie Brown
Ernie Brown
July 2025
Michael is fast, eager, and very smart. He gets the jod done and had a great attitude toward the work!
Sankaran
Sankaran
July 2025
Good assistance with the required inputs
Nir sh
Nir sh
July 2025
Has a vast of knowledge, and put in time and effort and very nice!
Hasan Mokaddes
Hasan Mokaddes
July 2025
He was really helpful and solved int in minutes
Jit Parekh
Jit Parekh
July 2025
Thanks Michael. You were to the point.
Michael Amay
Michael Amay
September 2020
Pleased to received help from Michael on a tricky SQL question.
EMPLOYMENTS
Solution Architect and System Analyst
Sharjah International Airport
2024-10-01-Present

Solution Architect and System Analyst – 10/2024 to present

Sharjah International Airport., Sharjah, United Arab Emirates

<u...

Solution Architect and System Analyst – 10/2024 to present

Sharjah International Airport., Sharjah, United Arab Emirates

  • Design and implement scalable, secure, and efficient technology solutions to support airport operations, including passenger management systems, baggage handling, security systems, and airport resource management.
  • Collaborate with business and technical teams to understand requirements, define the architecture, and ensure alignment with the airport's operational goals.
  • Develop roadmaps for digital transformation, identifying opportunities for automation, cloud computing, IoT integration, and data analytics to improve airport performance.
  • Conduct feasibility studies and cost-benefit analyses for proposed solutions.
  • Ensure that the architecture complies with regulatory requirements, security standards, and industry best practices.
  • Provide leadership and guidance to development teams during the implementation phase, ensuring timely delivery and adherence to quality standards.
  • Collaborate with stakeholders, including airport management, government authorities, and external partners, to assess and address any technical challenges.
  • Track and monitor the performance of implemented solutions, collecting feedback from stakeholders to ensure continuous improvement.
  • Ensure that proposed technology solutions meet the business needs and adhere regulatory and compliance standards.
  • Work with operational teams, management, and external vendors to identify opportunities for process improvement and automation.
  • Stay up to date with emerging technologies and trends in the airport and aviation industry.
IoT
Data analytics
Cloud computing
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IoT
Data analytics
Cloud computing
Architectural Design
Regulatory reporting
Business transformation
Government security standards
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CTIO [Chief Technology and Innovation Officer]
CashCall Inc.
2023-03-01-2024-09-01

CTIO [Chief Technology and Innovation Officer] – 03/2023 to 09/2024

CashCall Inc., International, Remote
(Projects: Paymen...

CTIO [Chief Technology and Innovation Officer] – 03/2023 to 09/2024

CashCall Inc., International, Remote
(Projects: Payment Gateway, B2B, B2C, B2M, Bill Payment, IT DR Revamp, Super App Revamp, Card Acceptance Module, BNPL Integration, Infrastructure Upgrade, Device Management Update, QA Review and Customer Acceptance, Microfinance) Budget 135M EGP

  • Lead the development and maintenance of software systems and applications.
  • Develop technical aspects of the company’s strategy alignment with its business goals
  • Discover and implement new technologies that yield competitive advantage
  • Supervise system infrastructure to ensure functionality and efficiency
  • Oversee the design, implementation, and management of IT infrastructure.
  • Communicate technology strategy to partners and investors
  • Setting a vision for how technology will be used in the company.
  • Ensuring that technological resources meet the company's short and long-term needs.
  • Creating timelines for the development and deployment of all technological services.
  • Making executive decisions on behalf of the company's technological requirements.
  • Managing technology budgets and time frames.
  • Drive technological innovation and digital transformation initiatives.
  • Ensuring all technology practices adhere to regulatory standards.
  • Manage and analyze data generated by the exchange house's operations.
  • Develop and implement the overall IT strategy aligned with business goals.
Software Development
Infrastructure
Data analytics
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Software Development
Infrastructure
Data analytics
Regulations
Strategic Technology Planning
Business transformation
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Deputy e-Channels General Manager
Banque Misr
2020-09-01-2023-03-01

Deputy e-Channels General Manager – 09/2020 to 03/2023

Banque Misr, Dubai, United Arab Emirates
(Projects: Card Management...

Deputy e-Channels General Manager – 09/2020 to 03/2023

Banque Misr, Dubai, United Arab Emirates
(Projects: Card Management System, ACS/3DS, SMS GW, Middleware, Mobile Wallet and Internet Banking, Acquisition and POS Management)

  • Managing Bank Payment Gateways (MPGS, CyberSource and UPG)
  • ISO Messages 8583 (Acquirer and Issuer)
  • Managing Bank Digital Wallets
  • Managing Card Management System for Bank Card BINs
  • Managing SMS Gateway for the entire bank entities
  • Leading Bank Switch team (MDSL – Oasis) Debit and Prepaid
  • Leading Bank Switch team (HPS - PowerCard) for Credit Card System
  • Responsible for the bank payment cycle for both acquiring and issuing
  • Handling Internal Bank Applications that would serve the new Digital Banking (IPN, MPOS)
  • Certifying POS, MPOS across different facilitators
  • Working to collaborate and elaborate all new and daily tasks
  • Responsible for each member’s performance and KPIs measurement
  • Working with Bank Vendors directly to handle the business-as-usual tasks and new projects.
Payment gateway
Banking
POS
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Payment gateway
Banking
POS
Mobile Wallet
ISO 8583
Debit card management
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PROJECTS
Full Systems Revamp
2024
Java
Java