Chief Commercial Office
Recently joined Areeba SAL in March 2017 as its CCO looking after all the business aspects of the company and its strategy in the market and the region.
Ramzi was formally the Country manager for Lebanon and Syria and Iraq for Visa international.
He started his career in Banking in the National Bank of Kuwait and moved to Ahli United Bank as the regional head for private banking for Kuwait, Qatar, Bahrain and United Kingdom then moved to the Commercial Bank of Kuwait as head of marketing.
In 2008, Ramzi won the award from the Asian Bankers Association as the most promising banker for the Middle East and Asia Pacific and received the award in Hanoi Vietnam.
Graduated from Wayne State University in the USA with a bachelor degree in electrical and computer engineering.
In which professional and non-professional areas you feel confident as an expert?
In the e payment and innovation arenas and mainly in the banking sector I can add value and I
feel comfortable in advising on road maps and ways forward.
On the non professional areas I am very social and people oriented person. I can accommodate
and cope with different types of personalities easily.
What do you feel about the disruptions in the payment industry? What recent event /
innovation inspired or frightened you?
I am a believer in innovation but I have more tendency to education and awareness about new
methods and channels of payments. Innovation sometimes create the frightening impact at the
consumer level and the only way to fight it is education and awareness.
When choosing a business model, what characteristics do you expect are the most
Simplicity of implementation and minimal interventions and dependancy Are characteristic that I
always seek when choosing a business model.
Is there a book or a channel that grabbed your attention recently? Why?
A whole new mind. By Daniel Pink. A great book that talks about the art of creative thinking.
One of the skills that can not be outsourced.
How do you envision the role of banking and processing companies in 5 years?
Banking and processing companies have to embrace together in the coming years to think and
innovate together to be able to meet consumer expectations.
Processing companies can not act anymore as executors. On the contrary they have to engage
together with banks in all areas of e payments and innovative ways to ensure seamless customer
What skills do you feel are must-have for a decision-maker today and in the future in
the banking industry?
Data analytics and behavioural data mining need to be within the skills of each decision maker to
be able to execute correctly and base the way forward on scientific findings that are becoming
essential in this arena.
What qualities of your strategic partners will make you feel confident now and in the
The way to understand the business and the technology aspects in a more coherent way.