“We are ASEAN’s Trusted Payment Experts”

GHL is a leading payment service provider and one of the top merchant acquirers in the ASEAN region. We provide world-class payment services and solutions that encompass physical, internet, and mobile payments on a sale, rental, or transactional basis.

Over the years, we have built a solid reputation for revolutionising the ASEAN payment industry, shifting from manual to digital approach. We aspire to be recognised as the leading ASEAN payment service provider by delivering powerful solutions that simplify distribution, payment, as well as collection, catered to all merchants in the region. 

To date, our regional presence comprises more than 1,000 employees spread across Malaysia, Thailand, Philippines, Indonesia, Cambodia, Singapore, and Australia. GHL is listed on the Main Board of Kuala Lumpur Stock Exchange and we process over RM1 billion in transaction value per month. We are also accredited by reputable organisations and governing bodies such as VISA, Mastercard, JCB, UPI, Alipay, MEPS, SIRIM, and Line Encryption Working Group.

Our Board and Management Team

Datuk Kamaruddin bin Taib - Independent Non-Executive Chairman
Datuk Kamaruddin Bin Taib - Independent Non-Executive Chairman

Datuk Kamaruddin Bin Taib, from Malaysia, is the Executive Chairman of Germanischer Lloyd GLM Sdn. Bhd, a leading technical service provider to the Oil and Gas Industry. He graduated from the University of Salford, United Kingdom, with a Bachelor of Science Degree in Mathematics.

His career began in 1980 with a leading Merchant Bank in Malaysia. Subsequently, he served as a Director of several private Companies and other Companies listed on Bursa Malaysia. 

Apart from his vast experience in serving on the Board of Companies Listed on Bursa Malaysia, his experience also includes serving on the Board of Companies listed on the Stock Exchange of India as well as those listed on NASDAQ (U.S.A.). Throughout his tenure on the Board of Companies, he attained a significant amount of experience in merchant banking, corporate finance, and mergers and acquisitions.

Currently, he is an Independent and Non-Executive Director of Great Eastern Assurance (Malaysia) Berhad as well as an Independent and Non-Executive Chairman of Great Eastern Takaful Berhad.


Loh Wee Hian, SimonExecutive Vice Chairman

Simon Loh Wee Hian was appointed as a Non-Independent Non-Executive Director on 28 December 2010. Subsequently on 18 January 2011, he was redesignated as a Non-Independent Non-Executive Chairman, and on 3 March 2011, he became an Executive Chairman. On 1 September 2012, Simon was selected as an Executive Vice Chairman, a position that he holds to this day.

Simon’s professional background lies in the telecommunications industry. In 1989, he successfully secured the master distributor license for Ericsson mobile phones in Malaysia through Telemas Corporation, an organisation that he controls as well. As the market for mobile phone distribution matured, Simon ventured out and co-founded e-pay (M) Sdn Bhd (“e-pay”) in 1999, an organisation that provides electronic mobile reloads for prepaid mobile phones. In the ensuing years, e-pay became a leading electronic mobile reload processor in South East Asia and the largest in Malaysia. In 2006, Simon was appointed Executive Chairman and at the same time, e-pay was listed on the Australian Stock Exchange (ASX).

When the market for electronic reloads started maturing in 2010, Simon attempted to acquire a 30% stake in GHL. He replaced the existing Board and management team with experienced professionals and within two years, he brought the company to a profitability level after four consecutive years of losses.

Simon is also one of the founding members of the Young Entrepreneurs Organization Malaysia Chapter, a global, non-profit educational organisation for business owners.

In recognition of his contributions in the technology sector, he won the prestigious 'Ernst & Young Entrepreneur of The Year Malaysia Award' for 2006, under the Technology Category.

In 2014, GHL successfully acquired the e-pay company when its general offer was accepted by e-pay's shareholders. Since then, e-pay and GHL have consolidated to become a significant merchant acquirer in ASEAN. Today, the GHL group's entities comprise footprints located throughout Malaysia, Philippines, Indonesia, and Thailand that offer various payment solutions such as card payments along with e-wallet, prepaid reloads, bill payments, and more
Dato' Carol Chan - Independent Non-Executive Director

Dato' Chan (also known as 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.

Dato' Carol Chan began her accountancy training in 1979 with a reputable accounting firm and left KPMG in 1984 for the corporate sector where she gained most of her experience with large public listed companies.

Dato' Carol Chan has more than 30 years experience with public listed companies engaged in the businesses of banking and insurance, automotive manufacturing and distribution, trading and services, property and construction, plantation, hospitality, and education. Dato' Carol Chan's senior management experience covers the areas of mergers, acquisitions and divestments, corporate secretarial and legal, including corporate governance, risk management, and internal control. 

Dato' Carol Chan was a key management member and also served as a nominee director on the boards of various group companies of a large conglomerate before her retirement.

Dato' Carol Chan is also an Independent Non-Executive Director of Ann Joo Resources Berhad and APM Automotive Holdings Berhad, both listed on Bursa Malaysia Securities Berhad.

Hossam Abou Moussa - Non-Independent Non-Executive Director
Hossam Abou Moussa is a Partner of Actis, a leading growth market investor. He graduated with an MBA from the University of Oxford and with a BA in business and finance from the American University in Cairo. He is also a CFA Charter holder.
Actis is a leading investor in growth markets that responsibly delivers consistent competitive returns. It has a growing portfolio of investsments across Asia, Africa, and Latin America, raising over US$12 billion since its inception. 
Hossam has a total 18 years of experience in private equity. He joined Actis in 2006 and is based in Actis’ office in Cairo. He is in charge of origination, execution, and management of investments in North Africa and other Financial Services sector across Actis’ markets. During this period, Hossam has played leading roles in several significant transactions including Commercial International Bank (CIB) - a leading bank in Egypt and one of the largest companies listed on the Egyptian Stock Exchange, Emerging Markets Payments Holdings (EMPH) - a leading payments company in Africa and the Middle East offering accounts processing, merchant acquiring and ATM switching across the region, and Integrated Diagnostic Holdings Plc (IDH) - a London Stock Exchange listed company that is the largest fully integrated private-sector provider of medical diagnostics in Egypt, Jordan, and Sudan.
Before his stint at Actis, Hossam was at CIIC and EFG-Hermes Private Equity, recognised as the leading regional private equity investor.
To date, Hossam has held a number of Non-Executive Director roles on various Board of Directors and Boards’ Committees, including the Board of Directors of Emerging Markets Payments Holdings (EMPH) Mauritius, a leading payment company in Africa and the Middle East; where he served on the Remuneration, Risk and Audit Committees. He also served as a Director on the Boards of EMPH’s subsidiaries in Egypt and Jordan. In addition to that, Hossam is an Observer of the Board of Directors of Integrated Diagnostics Holdings (IDH), which is listed on the London Stock Exchange.
Other than the Actis portfolio companies, Hossam sits on the Board of Trustees of the CIB Foundation, a leading Egyptian non-profit organisation dedicated to enhancing existing health services for underprivileged children in Egypt. He is also the Treasurer and is on the Board of Directors of the British International School Society (BISC) in Cairo.

Matteo Stefanel - Non-Independent Non-Executive Director
Matteo Stefanel - Non-Independent Non-Executive Director

Matteo has spent the entirety of his career focusing on Financial Institutions in Global Growth Markets and in Europe.

For the first decade of his career, he advised leading financial services and technology companies in their M&A and balance sheet restructuring (equity and equity derivatives). He then moved to Private Equity investing, once again focusing on Financial Services across Growth Markets, which he has been doing for over 12 years. 

Currently, Matteo lives in London with his wife and three children. He enjoys most outdoor activities, including hiking, skiing, sailing, and scuba diving. 


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

Our Mission

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.

Our Core Values

CUSTOMER IS THE BOSS – We listen, anticipate and deliver what the customer needs for now and for the future.

TEAM WORK – One Team, One Dream.

“BOLEH" ATTITUDE – We are leaders, NOT mere followers.  We are passionate about the things we do each day.

NO DISHONESTY – Not tolerated!

ADDICTED TO INNOVATION – Innovate anything and everything, internal or external, small or big.