Hatem Osman is an entrepreneur and founder of various companies in the technological sector. His flagship company, VIVA, focuses on applying innovative FinTech solutions in Europe and the MENA region. Osman’s knowledge on MENA’s regional infrastructure has allowed him to develop unique solutions that are tailored to the area, making them effective and practical. Adamant on progressing the social and economic climate, Mr. Osman has worked together with commercial and central banks, mobile operators, and public institutions to develop customized payment methods integrated within a communication compartment that is available for both closed and open communities. VIVA’s presence is international, with the greatest reach in countries like Belgium, Holland, France, KSA, UAE, Iraq, Sudan, and Lebanon.