Jehan (Jay) has a vast and varied background in Retail Banking. His career started at the ANZ Bank in Melbourne where he spent a significant amount of time in the Operations and Systems area within the Cards Business of the ANZ Bank. He then ventured out on his own in 1997 working as a SME for corporations such as American Express, State Bank of India, Colonial Mutual and GE Money before realizing a major void in the provision of specialist services by companies within the Retail Banking industry. “The big tier 1 corporations offer specialist services at a premium cost and that’s where we come in”, Jay noted. “We can keep margins lower and provide the same if not better services to organizations within our network of influence”. iSphere Global Australia, Singapore and Manila was borne from this realization with companies such as ANZ Bank, GE Money Australia and Nordics requiring these specialist services to migrate, upgrade and provide product enhancements/development to credit card systems at a realistic cost. Our company has grown exponentially post these early days and we have shifted from having an overseas presence to being wholly Australian owned and operated as our technology and products are superior and service exceptional. Cost does not have to be a factor anymore because we are competitive.