Dr. Manuel Maduapera DBA | Senior IT Executive & Payments Technology Consultant

Executive Positioning Statement

Senior IT Executive, Payments Technology Consultant and Banking Transformation Specialist with over 3 decades of progressive experience across banking, electronic transaction processing, payment systems modernisation, software development, technology consulting and strategic IT leadership.

Proven track record delivering complex, high-impact payment transformation initiatives across Saudi Arabia, South Africa and Zimbabwe, including BASE24 replacement, IST/APEX/CORTEX integration, BASE24-eps migration, ATM modernisation, card scheme compliance, PCI-aligned security initiatives, fraud management integration, host interfaces, reconciliation and digital payment enablement.

Combining deep hands-on technical expertise with executive-level business insight, supported by a Doctorate in Business Administration focused on business and IT alignment, I bridge business strategy, technical architecture, compliance, operations and vendor delivery in highly regulated banking environments. My professional identity is centred on modernising payment ecosystems, strengthening operational resilience, and delivering secure, compliant and business-aligned technology solutions.

Value Proposition

I offer a unique combination of deep technical expertise in electronic payment systems and strategic leadership in banking IT environments. An innovative thinker, proactive problem-solver, and clear communicator, capable of driving complex, regulated transformation programmes across international teams and stakeholders.

Key Areas of Expertise

Electronic Payments & Banking

Electronic Transaction Processing
Payment Switching & Authorisation
ATM, POS, Teller & eCommerce
Tokenised & Contactless Payments
Apple Pay, mada Pay Enablement

BASE24 & HP NonStop

BASE24 Classic & BASE24-eps
HP NonStop / Guardian Environments
TMF, Pathway, FUP, SCF, MEASURE
ISO 8583 Message Processing
HISO, SPAN2, Visa, Banknet Interfaces

Compliance & Security

SAMA / mada Member Bank Mandates
Visa & Mastercard Certification
PCI-aligned ATM & Switch Security
Fraud Management Integration
Reconciliation & Settlement

Selected Career Achievements

Led major payment transformations for a large Saudi bank, including BASE24 replacement, EPS migration, IST/APEX/CORTEX integration, ATM/POS transaction processing modernisation.
Delivered SAMA, Visa and Mastercard compliance, certifications and production implementations.
Enabled tokenized and contactless payments across ATM and POS channels, including mada Pay and Apple Pay.
Implemented ISO 8583 interfaces across core banking, schemes, switches and fraud platforms, including Finacle, Visa, SPAN2/mada, HISO, BIC ISO, FDI, Postilion, CORTEX, and APEX.
Supported ATM modernisation, including NCR NDC Enterprise, multivendor capability, Diebold EMV, graphical screens and Bulk Note acceptance.
Integrated payment systems with fraud management platforms, including ACI Proactive Risk Manager and IBM Safer Payments.
Delivered 100% card-association compliance at Nedcor Bank, avoiding penalties.
Played a key role in implementing and supporting BASE24 ATM, POS and Teller environments across multiple banks in South Africa, Zimbabwe, and Saudi Arabia.
Developed and certified ZIMSWITCH ISO 8583 interbank switch interfaces for Zimbabwean financial institutions.
Built deep expertise in software development, HP NonStop, transaction switching and banking technology architecture.

Professional Experience

IT Consultant - Electronic Transaction Processing & Payments

Arab National Bank (Riyadh, Saudi Arabia) | Sep 2005 - Present

Providing senior advisory and delivery leadership in electronic payments transformation, specialising in electronic transaction processing and payment platform modernisation across BASE24 Classic, BASE24-eps,HP NonStop, ATM and POS acquiring systems. Leading strategic migrations, regulatory and card-scheme compliance, and next-generation payment solutions across business, technology, support, and vendor teams.

Managing & Operations Director

Manex Logistics CC / Manex Automation Products | Jun 2002 - Aug 2005

Led strategic, commercial, operational, finance and HR functions across electronic transaction processing consultancy and road haulage logistics businesses, driving business development, regional banking technology consulting, client growth and operational performance across Zimbabwe and South Africa.

Card Associations Compliance Consultant

Nedcor Bank Ltd (Johannesburg, South Africa) | Mar 2002 - May 2002

Consulted on compliance with Visa, MasterCard, and American Express mandates, achieving 100% compliance and avoiding penalties.

Strategic Business Analyst

FirstRand Bank (Johannesburg, South Africa) | Sep 2000 - Jan 2001

Developed strategic business cases for new banking technology and product initiatives, with a focus on EMV migration, prepaid functionality and money transmission services.

Payment Systems Consultant

FirstRand Bank (Johannesburg, South Africa) | Sep 1996 - Aug 2000

Delivered BASE24 POS and ATM implementation, customisation, integration and support across FirstRand Bank's Integrated Payments Architecture environment. Played a key role in migration from STRATUS to HP NonStop-based BASE24 platforms and integration with HOGAN host systems.

Education

Doctorate in Business Administration (DBA)

Heriot-Watt University, Edinburgh, Scotland (Feb 2018 - Feb 2025)

Thesis: Assessing Business and Information Technology Alignment: A Study of Listed Companies in South Africa

Postgraduate Certificate in Business Research Methods

Heriot-Watt University, Edinburgh, Scotland (Feb 2014 - Feb 2017)

Master of Business Administration (MBA)

Thames Valley University, London, UK

Thesis: The Role of Organisational Learning Practices in Achieving Continual Improvement - A Case Study of First National Bank's Information Systems Division

Bachelor of Science - Physics & Computer Science

University of Zimbabwe

Dr. Manuel Maduapera, DBA

Electronic Payments Technology Consultant | Banking Transformation Specialist | Senior IT Executive