Fintech product manager specialising in cards, payments, multi-currency banking and financial infrastructure.
I'm Saad Salman, a fintech product manager based in Lahore, Pakistan. I lead program management at Keep Technologies, a Toronto fintech, where I run the corporate card program end to end: Mastercard as the network, PTC as the sponsor bank and i2c as the processor, plus the wallets, physical cards and expense tooling built on top of it.
Before Keep I spent a year consulting on card programs for startups and scale-ups in the UK, the EU and MENAP, and two years at i2c on the processor side, doing the L2/L3 support and client implementations that teach you what a card network will and won't allow. Along the way I've launched 20+ financial products, from a co-branded prepaid card for AS Roma to a migration of six million gift cards in New Zealand.
I also consult independently on card program strategy, processor and network selection and payments roadmaps, and I write here about payments, fintech in emerging markets and building products in public.
Card programs, wallets and migrations across Canada, the UK, the EU, MENAP and New Zealand. Hover a name for the result, or see the full list.
Products and tools I've shipped on my own, from a free API for Pakistani mutual fund data to a group savings and investing app.
Interview questions for payments PMs, a free API for Pakistani mutual fund NAVs, agentic wallets and what changes when you build fintech where cash is the incumbent. Swipe or drag to browse.
Aug 24, 2026
Fifteen questions that come up in real payments PM interviews, what each one is testing and what strong answers sound like. Gathered from comparing notes with fellow payments PMs.
Jul 19, 2026
MUFAP's own JSON endpoints reject any request that isn't a browser. So I scraped their public Fund Directory instead and open-sourced the result: a small, free API serving live NAVs for 500+ Pakistani mutual funds.
Aug 29, 2026
AI agents can now book, buy and pay. The missing piece was a wallet they can actually control. Here is the market being built around agentic payments, and where I think it goes.
Aug 19, 2026
Most fintech writing assumes a US context: cards everywhere, trust by default, one currency. Across MENAP the defaults flip. Here's what actually changes when you build where cash is the incumbent and mobile is the front door.
Jul 26, 2026
Google could already find me. The hard part was standing out from every other Saad Salman. How I made the site unambiguous, what schema could not do, which off-site links count and how to measure it, packaged as a Claude skill.
Jul 24, 2026
A small push, a row of growing dominoes and the moon. A short FAQ on why one right thing topples the next, and how doing that day after day compounds the same way.
Jul 24, 2026
One question from Gary Keller's The One Thing rearranged how I run my workdays: what's the one thing I can do such that everything else becomes easier or unnecessary?
Jul 8, 2026
Subscriptions fund great products, then quietly tempt teams to make them worse. How recurring revenue degrades experience, who gets it right and a playable dark pattern that proves the point.
Jul 5, 2026
Most of us aren't bad with money, we're wired for today. Why financial regret lands so hard later in life, what a ten-year delay really costs (with the math) and four moves that put compounding on your side.
Jul 5, 2026
From an empty folder to a live site with a CMS, analytics, custom illustrations and its own domain, built end-to-end through one conversation with an AI coding agent.
I consult on card program strategy, processor and network selection, payments roadmaps and program management for teams in Canada, the UK, the EU and MENAP. Engagements run from a single working session to unblock one decision, to ongoing fractional advisory.
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