Reflecting on the capabilities cloud technology can provide , Kamal explains that “ you can gain tremendous amounts of value . But first it is important to determine the best use case for this technology . Mastercard , for example , has a good footprint of data centres around the world in different regions . In some instances , cloud makes sense and other times it doesn ’ t , but the flexibility of cloud and the ability to leverage an OPEX model versus a CAPEX model provides scalability and flexibility . I think there are use cases , especially in the face of nationalism , where you may need to have something hosted in the cloud . For that reason , I have generally taken a hybrid cloud approach when going down the path of cloud enabling solutions . The greatest value I see , however , is that the techniques applied when using a hybrid-cloud enabling platform generally make the platform more scalable , agile and vendor agnostic , which in itself is valuable whether actually deployed in a public cloud environment or not .

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Title : Senior Vice President , Consumer Applications

Mohammed Kamal is a payments industry technologist with a passion for innovation and the Fintech space . He is currently serving as the COO of Consumer applications at Mastercard , leading a cross functional team with a mission of enabling new payment flows leveraging real-time payments ( RTP ). His responsibilities include technology and operations for retail payments ( p2m ), BillPay & p2p payment products . He is also responsible for corporate & commercial M & A integration within the Consumer Applications division . businesschief . com