For more than 20 years, SMART has designed, built, and operated the mission-critical systems that power e-government and electronic payments at national scale — serving over 60 million citizens across all 27 governorates of Egypt
Our Journey
A 73-store pilot replaced paper subsidy cards, cutting costs by nearly 20%
Expanded to 16 governorates, rolling out four national subsidy programs, including food subsidy cards
Proprietary platforms went live across all 27 governorates, anchored by the national Bread Subsidies Management System
Launched nationwide digital transaction processing, laying the foundation for Damen
Expanded payment and banking capabilities, scaling the POS network to 100,000+ points
Advanced financial inclusion and government modernization, aligned with the CBE's national agenda
One of Egypt's largest payment ecosystems, serving 65M+ citizens and processing 450M+ monthly transactions across all 27 governorates
Shaping the future of payments and digital government across Egypt and the region
WHO WE ARE TODAY
The journey continues — guided by a clear vision, a working mission, and values proven over twenty years
VISION
To be the most trusted technology partner driving secure digital transformation and payment ecosystems across Egypt and the region — empowering governments, businesses, and citizens through innovative technology.
MISSION
We design, build, and operate mission-critical digital platforms that enable governments and financial institutions to deliver secure, scalable, and citizen-centric services — transforming public services into seamless digital experiences.
VALUES
We embrace technology with purpose, continuously developing smarter solutions that solve real-world challenges — with integrity in every partnership and excellence in every operation.
CERTIFICATIONS
For more than two decades, SMART has delivered mission-critical digital platforms backed by the highest standards of security, compliance, and operational excellence. Our certifications reflect this commitment
Certified ISMS
Certified QMS
Level 1 Service Provider
Licensed Payment Service Provider
BOARD MEMBERS
The journey continues — guided by a clear vision, a working mission, and values proven over twenty years
Chairman
Tarek Malash brings a distinguished international career spanning Sweden, Egypt, and Saudi Arabia. He founded Adcom, a promising telecommunications start-up, and contributed to numerous landmark telecom projects supporting Egypt's economic growth. He currently serves as Chairman of the Board of both Smart Cards Applications Company and Damen.
Board Member & Head of Human Resources
Over 25 years of experience in human resources, organizational leadership, and talent development.
Board Member
Over 30 years of leadership in ICT, manufacturing, and energy technologies, driving innovation through executive leadership and academic expertise
Board Member
More than 43 years of expertise in banking technology and IT leadership, driving digital innovation and operational excellence across leading financial institutions.
Chief Executive Officer
Over 37 years of expertise in banking, payments, and digital transformation, leading operational excellence and financial innovation.
Board Member
Global pioneer in digital banking with decades of innovation in financial technology, telecommunications, and secure digital infrastructure.
Board Member
Experienced leader in postal operations and financial services, advancing digital transformation and strategic initiatives to enhance nationwide public services.
