Who we are

We design end-to-end solutions that transform global payment standards into simple, trusted, and scalable payment journeys across the ecosystem.

Let's orchestrate your payment journey

About MS Solutions Group

  • MS Solutions Group is a leading payment technology group supporting over 250 clients across 26+ countries. At the core of the Group’s offering is SPARK, an AI-driven owned platform spanning the entire payment value chain, from issuing to settlement, and fraud prevention, through a secure, interoperable hardware and software stack.

  • Built on global payment standards and designed for market-level simplicity, SPARK is composable, API-first, and cloud-agnostic, enabling institutions to modernize legacy infrastructures and accelerate time-to-market with confidence.

  • MS Solutions Group has grown on the strength of solid PCI certifications, a carefully selected ecosystem of international technology partners, and a founder-led organization. These foundations support agile delivery, continued investment in R&D, and ecosystem-centric innovation.

  • Leading institutions such as Société Générale, BTK, ABC Bank, QNB, Ecobank, Coris bank, GIMAC, TOTAL, and Pluxee, rely on MS Solutions Group to operate secure and efficient digital payment journeys while optimizing total cost of ownership.

Our values

  • Design with intent

    Starting from operating environments and regulations to turn complexity into scalable architectures.

  • Trust by design

    With security, compliance, and reliability built into every layer from day one.

  • Full end-to-end ownership

    Ensuring consistency, accountability, and performance from architecture to delivery and support.

  • Reliability and responsibility by design

    With respect, integrity, and diversity embedded into every action from day one.

Moez El Ghali

Founder & CEO of MS Solutions Group

The future of payments is not about adding more layers, it’s fewer, stronger infrastructures. At scale, fragmentation becomes the enemy of performance, control, and trust. At MS Solutions, we reduce fragmentation, simplify complexity, and build resilient foundations for scalable growth.

Meet our leadership team

  • Moez El Ghali

    Chief Executive Officier

  • Reda El Mejjad

    CEO Advisor

  • Naouel Zitouni

    Chief of Staff Officer

  • Maher Mannoubi

    VP Pre-Sales

  • Achraf Ben Moussa

    Chief Financial Officer

  • Aymen Dammak

    VP Product

  • Adnene Zayene

    VP Delivery & Client Success

  • Imen Jgham

    Chief Marketing Officer

  • Manel Harrathi

    VP Global Strategic Partnerships

  • Rafik Naccache

    VP of Engineering

  • Yousra Ziada

    Human Capital Manager

Meet our Regional Sales Directors

  • Doug Ballantyne

    Regional Director - Eastern & Southern Africa

  • Mohamed Aouadi

    Sales Director - West Africa

  • Dora Hmem

    Sales Director - French-Speaking Africa, France & Belgium

  • Yassine Lounis

    Sales Manager - Tunisia & Libya

Your challenges. Our design principles

  • Fragmented payment journeys acorss rails, schemes and ecoystem actors

  • Platform orchestration by design: a single operating model covering the full payment journey from issuing to settlement

  • Complex integration with existing national and regional ecosystems

  • Interoperable and ecosystem-centric platform: standards-based interoperability designed for coexistence, not replacement

  • Security, compliance, and risk controls applied too late or inconsistently

  • Trust, security and compliance by design: controls embedded at platform level, aligned with regulatory scheme requirements

  • Diluted accountability across multiple vendors and platforms

  • Full ownership and long-term accountability: End-to-end control over roadmap, delivery and compliance

  • Limited resilience and availability under market-level volumes

  • Scalable, resilient and market-proven infrastructure: high availability and operational continuity for critical payment systems