Michael Javier

Michael Javier is the Chief Executive Officer and Founder of Cwallet, a mobile money wallet company based in Qatar. Here are some key details about Michael Javier:

Professional Background

Michael Javier has over 20 years of experience in the Middle East.3 His career journey includes:

• Graduating with a degree in Computer Science3
• Obtaining a Master's in Business from HEC Paris3
• Starting his career in 2000 as an IT Specialist at Ateneo de Manila University2

Current Role

As the CEO and Founder of Cwallet, Michael Javier leads a company that:

• Promotes financial inclusion and literacy, especially for the unbanked majority1
• Provides fintech solutions for people and businesses4
• Has been accepted into NVIDIA Inception, a premier program for AI and data science startups1

Vision and Expertise

Michael Javier has a strong focus on:

• The intersection of AI and fintech
• Financial inclusion in emerging economies
• Promoting cashless societies in areas where traditional banking is limited

He believes that AI will play a crucial role in revolutionizing the finance industry, particularly in:

• Empowering B2B, B2C, and B2G sectors in emerging markets in Asia and MENAT (Middle East, North Africa, and Turkey)1
• Analyzing financial data for decision-making and strategic planning1
• Customizing financial advice based on real-time data1

Industry Involvement

Michael Javier is actively involved in the fintech community:

• He initiated the first Qatar Fintech Association1
• He works to unify communication channels among fintech startups, regulators, and other stakeholders1

Through his work at Cwallet and his involvement in the broader fintech ecosystem, Michael Javier is contributing to the evolution of financial services in the digital age, with a particular focus on serving underbanked populations and leveraging AI technologies.