Muhammad Sibghatullah Siddiqui is a dynamic, results-oriented IT and FinTech consultant with over 20 years of global experience in digital transformation, financial technology, and strategic IT delivery. A certified leader in enterprise IT governance (CGEIT), risk (CRISC, CRMA), cloud architecture (AWS-SAP), and project management (PMP, CSM), Sibghat has consistently delivered high-impact technology solutions across the Americas, APAC, MEA, and CIS regions. Sibghat orchestrates complex, multimillion-dollar digital initiatives across 159 countries. His exceptional leadership has spearheaded groundbreaking projects such as the launch of self-service kiosks in the UAE, real-time global fund disbursement via mobile platforms, and STC Pay — the KSA’s first white-label, open-loop digital remittance platform, exceeding revenue targets in its first month. Siddiqui is not just a technologist but a strategic architect — aligning business vision with agile execution. His work integrates a sophisticated understanding of digital ecosystems, omni-channel solutions, and real-time payment infrastructures with deep regulatory and compliance knowledge (PCI-DSS, Dodd-Frank, ITIL, COSO). His technology playbook spans agile delivery, platform engineering, cloud-native architecture, and API-led integrations with 100+ financial and telecom partners. From leading regional digital roadmaps to launching products that process transactions in over 130 currencies globally, Sibghat is renowned for turning vision into scalable, sustainable innovation. His experience at firms such as Ernst & Young and Western Union Business Solutions further reflects his versatility in both advisory and delivery roles. Fluent in the language of business and technology, and armed with elite certifications and academic credentials (MS Computer Science, BS Electronics), Sibghat is the proven expert to lead digital disruption, orchestrate large-scale integrations, and drive fintech excellence globally.