About us

OUR CLIENTS
OUR VISION
Maintain and strengthen our position as payment and e-government solutions service provider. As well as capitalizing on our track record and long experience to become the major player in the payment and fintech businesses in Egypt and eventually the region.


OUR MISSION
To provide state-of-the-art payment and digital solutions to all business sectors in Egypt and eventually the region while focusing primarily on governmental and financial sectors through innovative ideas, talented and well developed staff members, and qualified partners and suppliers and leveraging from our infrastructure to provide alternative payments methods and increase cards and wallets acceptance.

OUR VALUES DEFINE US
At SMART, our values are the pillars of our identity and the foundation of our success. We take immense pride in who we are today and are committed to these core principles:
- Mission-Driven Excellence: Our mission is clear: to lead in payment and e-government solutions, not just in Egypt, but across the region. We are relentless in our pursuit of excellence, always aiming to innovate and stay ahead.
- Exceeding our Partners’ Expectations is Our Benchmark: Meeting partners’ expectations isn’t just a goal; it’s our benchmark. We go above and beyond to ensure our partners’ expectations are not only met, but exceeded with our cutting-edge solutions.
- Empowering Our People: Our people are the heartbeat of SMART. Their creativity and hard work are the engines of our success. Their dedication and creativity drive our achievement and innovation. We are committed to their growth and well-being because their accomplishments are the foundation of our collective realization. Together, we grow and innovate.
“Working at SMART has been an incredible journey. The support and opportunities for growth here are unmatched. I feel valued and empowered every day, knowing that my contributions make a real difference.” – Amr AbdelBasset
“From day one at SMART, I’ve been part of something truly transformative. The collaborative environment here pushes us to innovate while the leadership team genuinely cares about our development. What makes SMART special is how we constantly challenge ourselves to raise the bar, turning ambitious ideas into groundbreaking solutions.” – Mostafa Salama
“Our partnership with Smart has brought about a significant transformation at CARGAS. We replaced the traditional coupon system with an innovative digital solution that enables monitoring fuel consumption, helping us achieve notable savings and enhance fleet efficiency. The advanced technology and continuous support from SMART have allowed us to deliver greater value and superior services to our customers, contributing to the implementation of financial inclusion and digital transformation, while maximizing the efficiency and productivity of vehicle fueling operations and promoting sustainability.”– Mahmoud El-Aswany, General Manager of Financial Affairs, CARGAS
- Quality without Compromise: While growth is important, quality is paramount. We expand thoughtfully, ensuring that our high standards of service are never compromised. We focus on nurturing our current talent and maintaining excellence in every project.
- Impactful Innovation: We are committed to making a positive social impact. Our work with Egypt’s subsidies and bread programs exemplifies our dedication to continuous improvement and innovation. For nearly two decades, we have been enhancing lives and we remain committed to this mission.
OUR CERTIFICATIONS
BOARD OF DIRECTORS




Eng. Tarek is a director of Smart Card Applications, SiWare and IdealRatings. In this role, he was also responsible for the investment in Fawry, the leading bill payment and presentment company in Egypt, which realized a $100m exit in 2015.
Eng. Tarek started his career as an engineer at Lucent Technologies then as a software developer for SAQQARA Systems, an internet startup in Silicon Valley. He later became General Manager of CID Consulting where he led the company’s high growth, helping it to become one of the leading local consulting firms in Egypt.
Eng.Tarek holds a B.Sc. in Electronics and Communication Engineering from Ain Shams University in Cairo and an MBA from Stanford Graduate School of Business.


Dr. El Bardai obtained his Ph.D. in Computer Communications from the University of California Berkeley.

His earlier career includes Operations Director for Mastercard - Dubai, Operations & Technology Director for Citibank - Egypt, and Cards Business Manager for Banque du Caire - Cairo.
He graduate in Business Administration from Cairo University with an Executive Management Diploma from the American University in Cairo, additionally he is a Certified Operations Professional