The founders of Xgemina have worked for and formed some of the most influential payments companies in the world

Xgemina team includes the founders of Oasis Technology whose solutions now drive over 20% of the global Payments market. Xgemina’s C Level represents years of combined experience, ranging from Start-ups to Public Listings and Global Banks.

Chief Executive Officer
Over 30 years in payments industry spanning Payments Schemes, Payments Technology Companies and Payments Processors - VISA, ACI, First Data Corp, Oasis Technology, Thorn EMI, ViaPay and Makeena.
Chief Financial Officer
Over 40 years' experience in public accounting, consulting and businesses, including public company / SEC reporting, with 15 years in the payment industry. Extensive international experience in operations, finance and development of new businesses.
Chief Technology Officer
Over 30 years payments industry; Principal Founder Oasis Technology, the world's second largest payment software provider with installations in over 70 countries. Co-founder, Chairman and COO of Makeena Corporation - a payment software and services company targeting the Asia market.
Chief Marketing Officer
With nearly 20 years of experience in integrated marketing, technology and consulting. He established the digital division in Leo Burnett Malaysia before becoming an entrepreneur in 2008. He has since worked on building various businesses and worked on many successful marketing projects for leading brands.
Chief Operating Officer
Over 22 years in Payments and technology. Extensive experience in sales management, marketing and new business development. Strong technical background with many years' experience in banking and card payments. Qualifications include MSc and MBA.
Chief legal Officer
20 years as an in-house lawyer with the EU Commission, Alstom, British American Tobacco and in private practice with major law firms in Europe and Japan. regulatory and compliance matters as well as intellectual property and litigation. Qualifications include Solicitor (England and Wales) and Advocate (Brussels).
Xgemina maintains a group of senior advisors, board members and consultants. These individuals represent a vast pool of experience, capabilities and contacts.
Tony Grandidge
Ex Asia Pacific President of both NCR & Euronet
Nigel Bidmead
Ex Global SVP at First Data, Verifone & ACI
David Proctor
Ex CEO Standard Chartered Europe, ME, Bank of America
Halim HJ Din
Chairman IA Group, ex President E&Y Malaysia, EPF Board, BNP Paribas Board
Hans Turitz
ViaPay Board, Merrill Lynch, Macquarie Bank, Rix Telecom


The UNITY framework represents a new generation of Technologies, Business Models, Relationships and Capabilities.

UNITY has been created to provide a Framework that unifies relationships under a new alliance and builds a sustainable technology ecosystem to support the evolution of Banking and Commerce.

UNITY solves two
basic problems:

The integration between Banks and Fintech
The replacement of legacy Payment technologies and models


UNITY Alliance

The UNITY Alliance creates a new type of trusted and innovative relationship structure between Banks, Fintech, Government and Industry. Participation brings a UNITY NODE to each member. UNITY is formed and managed by Xgemina on a commercial basis.


For Banks

UNITY offers Banks a Node that integrates Fintech companies into the banking system using secure standards. The UNITY Node can optionally also replace a bank’s legacy Payments Systems. The Node serves all channels, Mobile & Internet.

By deploying the Node, Banks are able to:

  • Interface multiple, secure Fintech relationships
  • Facilitate new Payments standards, such as PSD2
  • Refresh legacy Payment technologies in the areas of ATM, POS, MPOS & INTERNET
  • Enhance; User Authentication, Fraud & Risk Management, Clearing & Settlement, as well as Audit & Reporting over a Blockchain enabled framework
For FinTech

Fintech Companies can subscribe to a central UNITY Node in each country. This Node is connected to participating Bank. UNITY provides Fintech companies the following:

  • Access to banks in each country – Globally
  • Centralized Payments & Banking relationships/technologies
  • Banking as a Service
  • New Revenues

UNITY can be deployed at multiple levels; State, Country, Region. UNITY can provide unparalleled oversight and governance for Central Banks, Ministries and Security Services.

“Our most recent analysis suggests that the structure of the fintech industry is changing and that a new spirit of cooperation between fintechs and incumbents is developing”
“Financial Institutions must ensure that they have a clearly defined Payments Strategy and must position themselves as an Everyday Payments provider”

Xgemina Group Ltd.
3/F Shun Feng International Centre,
182 Queens Road East,
Hong Kong


Xgemina Technologies Sdn. Bhd.
Suite 8-1 & 8-2, Level 8, Menara CIMB
No.1, Jalan Stesen Sentral 2
Kuala Lumpur Sentral
50470 Kuala Lumpur


Tortuga Mobile Ltd.
111 North Bridge Road,
#08-19 Peninsula Plaza,
Singapore 179098

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