Leading the ASEAN Cashless Revolution
AN overview

As ASEAN’s leading payment solutions provider, GHL’s reach spans across 6 countries; Malaysia, Philippines, Thailand, Indonesia, Singapore and Australia – stretching over a vast footprint of over 398,000 payment touchpoints across the region. GHL prides itself as a one stop provider for both offline and online payment solutions, empowering businesses across ASEAN, with over 28 years’ worth of expertise to attest to our portfolio.
GHL is the leading payment acquirer in ASEAN for over 100 global and regional payment schemes and channels, processing over RM2 billion payment transactions per month. GHL is also a Bursa Malaysia listed company since 2003, and is Malaysia’s largest prepaid credit top up and bill collection network. GHL aspires to catalyse sustainable livelihood of the Micro Small Medium Entrepreneurs (MSMEs) through financial and non-financial value-added services.

Mr. Mohamed Rashdi Bin Mohamed Ghazalli
Independent Non-Executive Chairman
Mr. Mohamed Rashdi has over 30 years working experience in both industry and consulting. He graduated with a B.Sc (Hons) Degree in Computation from the University of Manchester Institute of Science and Technology (UMIST) and started his career with Jabatan Telekom Malaysia. Subsequently, he led the IT services division of a major telecommunications company before moving into consulting, becoming Partner at a Big Four Consulting Firm as well as Partner in Charge of the Public Sector in a leading International IT Company. As a Management and IT Consultant, Rashdi has led assignments in IT Strategic Planning, Systems Implementation, Project Management, Operations Review and Business Process Improvement. His clients comprised of large corporations and government agencies across a range of sectors such as telecommunications, oil & gas, transport, financial services as well as the federal government. He has served as an independent non-executive director in a number of companies in the financial services, government and private sector and currently sits on the board of several public companies.
Mr. Simon Loh Wee Hian
Executive Vice Chairman
Mr. Simon's professional background lies in the telecommunications industry. In 1989, he successfully secured the master distributor license for Ericsson Malaysia, through Telemas Corporation. Mr. Simon co-founded e-pay (M) Sdn Bhd in 1999, which became a leading electronic mobile reload processor in South East Asia and largest in Malaysia. Mr. Simon has been selected as the winner for Ernst & Young Entrepreneur of The Year Malaysia 2006 Award under the Technology Category in December 2006. In 2010, Mr. Simon acquired 30% stake in GHL, restructured and brought GHL to profitability level. Mastermind behind the successful merger between e-pay and GHL in 2014, Mr. Simon conceived doubled revenue and footprint of the enlarged entitity across ASEAN. 
Dato’ Carol Chan
Independent Non-Executive Director
Dato' Carol Chan is a Chartered Accountant of the Malaysian Institute of Accountants and a Certified Public Accountant of the Malaysian Institute of Certified Public Accountants (MICPA). She began her accountancy training in 1979 with a reputable accounting firm, and joined the corporate sector in 1984, where she gained more than 30 years of experience with large public listed companies; engaged in the businesses of banking and insurance, automotive manufacturing and distribution, property and construction, plantation, hospitality, and education. Dato' Carol Chan was also a key management member, serving as a nominee director on the boards of various group companies of a large conglomerate before her retirement.
Mr. Matteo Stefanel
Non-Independent Non-Executive Director
Mr. Matteo's career focuses on Financial Institutions in global growth markets and in Europe. He started the first decade of his career leading financial services and technology companies in their M&A and Balance Sheet Restructuring (equity and equity derivatives). He then moved on to Private Equity Investing, where he also paid attention to financial services across growth markets, which to date, he has been doing for more than 12 years.
Mr. Richard Henry Phillips
Non-Independent Non-Executive Director
Mr. Phillips was appointed as Non-Independent and Non-Executive Director of the Company on 16th April 2021. Mr. Phillips has been a Partner at Actis, the leading growth markets investor since it’s foundation in 2004. He serves as global Head of Private Equity and is responsible for seven funds invested across 21 countries in emerging markets. Prior to Actis, he began his career in a private equity at 3i in the UK and then joined CDC. He was based in Uganda, Zimbabwe, Malaysia, and Egypt, before returning to the UK after 20 years.
Over 36 years in private equity, Mr. Phillips has held a number of Non-Executive Director roles including that of Emerging Markets Payments Holdings (EMPH) Mauritius, a leading payments company in Africa and the Middle East. Mr. Phillips currently serves as a Non-Executive Director on the Boards of Directors of Integrated Diagnostics Holdings (IDH), which is listed on the London Stock Exchange and the Egypt Exchange, Honoris United Universities, a network of 14 universities across Africa and Les Laboratoires Medis SA, the largest pharmaceutical company in Tunisia.
Mr. Phillips holds a BA in economics from the University of Exeter UK.
Ms. Kung Lee See
Independent Non-Executive Director
Ms. Kung Lee See’s 35 years of experience kicked off when she joined Kassim Chan & Co (Deloitte Malaysia) as an External Auditor and Information Technology Auditor, upon graduation in 1985.
In 1988, she left and joined Hong Leong Finance Berhad as a Systems Executive where she designed, developed, and implemented banking applications. In 1991, she facilitated the setting-up of Innovative Software Solutions (M) Sdn Bhd, where she started as a Systems Analyst and eventually became the Deputy Managing Director.
In 1995, she facilitated the setting-up of another company in the healthcare system industry, before she founded WizSoft Technology Sdn Bhd ("WizSoft") in 1996. WizSoft focuses on software development, consultancy, and project management for the finance, healthcare and human resource industries. In 2000, she sold part of WizSoft and was retained as the Chief Executive Officer of WizSoft until 2007, before moving on to consulting internationally in the areas of solution architect, development, integration, data migration, testing, and deployment.
Ms.Tan Lye Sim
Independent Non-Executive Director
Ms. Tan Lye Sim is an accomplished risk practitioner with more than 30 years of experience in financial institutions, securities houses, insurance companies, and software company. 
After 13 years of working with various financial institutions in London, Ms. Tan joined MBf Finance Berhad in Malaysia as Senior Manager, Head of Treasury Settlement in 1997. She was promoted to Head of Risk Management Department in 1998. She then moved into risk management consultancy services in 2002, before returning to the financial sector in 2005, holding senior positions such as the Head of Treasury Compliance of RHB Bank Berhad, Group Chief Risk Officer of Alliance Financial Group, Group Chief Risk Officer of Hong Leong Bank Berhad, Director and Head of Operational Risk Management of CIMB Investment Bank Berhad. Her last position was as Group Chief Risk Officer at Kenanga Investment Bank Berhad from 2013 to 2017.
In addition to the above, Ms. Tan was an Independent Non-Executive Director of Bank Pembangunan Malaysia Berhad and the Chairman of the Group Risk Management Committee. Ms. Tan is currently an Independent Non-Executive Director of Malaysian Life Reinsurance Group Berhad. She is also the Chairman of the Risk Management Committee in MLRe.
Mr. Sean S. Hesh
Executive Director
Mr. Sean is a high caliber senior executive with an in-depth experience in Payments, Merchant Acquiring, E-commerce, Operations, and Technology in the Asia Pacific ("APAC") Region and the United States. He has demonstrated a solid ability to build and grow businesses and to improve efficiency, productivity, profitability, and delivery of strategic initiatives.
Mr. Sean commenced his long and distinguished career in the Payments industry with Wells Fargo Bank in 1989. He worked at First Data Corporation (now Fiserv) from 1993 to 2010 and held a variety of senior management positions with First Data, including Vice President & General Manager of Financial Institution Alliances; Senior Vice President of Business Development at TASQ Technology; Chief Operating Officer of Card Service International and Chief Executive Officer ("CEO") of Wells Fargo Merchant Services LLC. Most recently, from 2006 to 2010, Mr. Sean served as the CEO of Merchant Solution Pte. Ltd., a joint venture between First Data and Standard Chartered Bank in APAC.
Mr. Sean joined Citibank in 2010 as the Regional Head of Merchant Acquiring, Network Management and Commercial Cards. In this capacity, he was responsible for the strategy, business and product management, contract negotiations and best practices across Citi's Merchant Acquiring and Commercial Cards businesses as well as for the relationships with the Payment Networks across Citi's footprint in 16 APAC and Europe, the Middle East and Africa (EMEA) markets.
Mr. Loh Hin Yaw
Alternate Director to Simon Loh Wee Hian
Mr. Loh Hin Yaw joined GHL Systems Berhad ("GHL") in March 2018 as an Associate in the Special Projects department, where he was responsible for new product development and launching. In January 2020, he was promoted to Special Projects Manager, tasked to manage and grow GHL's e-pay business. He held the position as Managing Director of e-pay (M) Sdn Bhd from January 2021 until July 2022.


Sean S. Hesh
Group Chief Executive Officer
Yap Chih Ming
Group Chief Financial Officer
Tan Hong Sern
Group Chief Technology Officer
Dunstan Gerald Maurice
Group Chief Risk Officer
Kevin Lee
Chief Executive Officer - GHL Malaysia
Rey Maria R. Chumacera
Chief Executive Officer - GHL Philippines
Prinya Jinantuya
Chief Executive Officer - GHL Thailand
Frank Leong
Chief Operating Officer - Paysys
Jeremy Low
Group Head - Operations
Jeremy Low
Group Head - Operations
Sally Chong
Group Head - Human Resources & Administration
Chong Kok Wai
Group Head - Legal, Compliance & Sustainability
Shobana Jayandran
Head - Corporate Communication & Marketing

Group of Companies

Our Vision
The asean payment people
To be clearly recognised as the leading ASEAN payment services provider. Delivering powerful solutions to deeply rooted local relationships.

Our Mission
payments simplified
We help merchants, financial institutions and telcos make money by simplifying their distribution, payment and collections needs. We provide ASEAN merchants, both big and small, with complete solutions that fulfil their customers’ needs.

  •   Malaysian e-Payment Excellence Awards (MEEA) - Best e-Payments Acceptance Growth Award for MyDEBIT as a non-bank Acquirer 
  •   11th Malaysian Investor Relations Association (MIRA) Investor Relations (IR) Awards - Best IR Website (Mid Cap category) 
  • Malaysia Technology Excellence Awards (MTEA) won for INSTANT by GHL
  • BrandLaureate’s The Most Valuable Brand - Digital Payment Solutions Awards
  • Malaysian e-Payment Excellence Awards (MEEA) - MyDebit Non-Bank Top Acquirer
  • The Edge Billion Dollar Club Award 2019 - Highest Growth in Profit After Tax Over 3 Years (Technology)
  • MyClear – Top MyDebit Acquirer (Non-Bank)
  • PIKOM Unicorn Tech Awards – Regional Tech Company of the Year
  • Asia Corporate Excellence and Sustainability Awards – Asia’s Best Performing Companies
  • ASOCIO ICT Award – Global Digital Icons
  • Mastercard Award - Best Payment Services Award eGHL
  • MyClear – Top MyDebit Acquirer (Non-Bank)
  • Ingenico Asia Conference – A Valued Partner
  • Red Herring Top 100 Asia Winner
  • MyClear – Top MyDebit Acquirer (Non-Bank)
  • Verifone – Top Partner Award 
  • MyClear – Malaysia e-Payments Excellence Awards 
  • SME100 Award – Malaysia’s Fast Moving Companies (e-pay for 2016)

GHL is headquartered in Malaysia, with other offices located in Thailand, Philippines, Indonesia, Singapore, and Australia


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