Led by an
accomplished Senior Systems and Operations Manager with a strong
technical background and a solid record of achievement in the
development, implementation and management of systems for banking
and financial services, HFS contributes at management and board
level in the building of systems from scratch and as added value to
the overall project through to commissioning, maintenance and
training in the agreed and usually unique implementation of its
mandate particularly in reliability, team building and client
Confidentiality is key in our agreements with our clients however
below demonstrates a selection of the projects we have been involved
in throughout the region:
From scratch, established and developed a national EFTPOS Switch
and Automated Clearing House for the Bahrain banking
community handling local bank ATM and retail POS transactions
and including a Disaster Recovery facility
Successfully implemented and managed the Systems and Operations
of the Kuwait National EFTPOS Switch (KNET), from its
inception, to the point where it became a role model for a
number of similar operations in other countries throughout the
Negotiated and implemented facility for a major American charge
and credit card company to become their regional ATM switch.
Designed and wrote the Operating Regulations and Technical
Specifications for the KNET National EFTPOS Switch including the
financial settlement model.
Implemented and customised the Banks’ national Switch system
Planned and implemented Disaster Recovery facilities for the
Switch and associated network.
Designed the functionality of the banks’ shared ATM network.
Implemented the national Point Of Sale system, customised to
local bank requirements.
Designed and produced the specification for the GCC Central
Bank’s regional ATM sharing scheme (GCCNET), including both
Technical Specifications and Operating Regulations.
Designed and implemented a national Direct Debit scheme as the
first step in the establishment of the Automated Clearing House.
Subsequently developed proposal to take over and enhance the
national cheque clearing operation.
Instrumental in the establishment off the legal basis and
operational structure of the national Credit Reference Bureau.
- Introduction of debit
- Expansion into the
Merchant Acquiring business
- Selection and
installation of a POS network
- Evaluation and
selection of suitable card processing hardware/software
- Introduction of an
on-line link to VISA, London (MIP/PC).
- Establishment of
standby card authorisation facilities.
We welcome organisations
who require an innovative approach to their objectives particularly
in exploration and concept using HFS as a sounding board in
consulting advice, study and feasibility, installation and
commissioning with full local support in the management and
maintenance of the project with training and knowledge management
upper most in project satisfaction and completion.
A strategic and planning
motivation at client board level with an ever watchful eye on
funding and budget control creates a well managed project and as
importantly being aware of up to date systems and state of the art
technology and the implementation of the technology into user
friendly systems to the satisfaction of our clients and their