Mohammed Bukhari

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04Payments strategy

MoH × HyperPay

A blank ivory payment card with a gilt chip, in front of a receipt.

3rd place

Muslims of Haas × HyperPay Case Competition, Berkeley Haas

My entry, Easy Money, took 3rd place at the Muslims of Haas × HyperPay Case Competition. It is a strategy for HyperPay, a Saudi payment gateway, built on the one view only a gateway has.

Role
Strategy and pitch deck
Team
Just me
When
Pitched on April 17, 2026
Made
A three-step strategy for a Saudi payment gateway

Status Placed 3rd. A competition proposal; nothing was built.

Context

In April 2026, Muslims of Haas and HyperPay, a payment gateway based in Saudi Arabia, asked student teams one question: what should a gateway become once processing turns into a commodity? My entry was called Easy Money.

The proposal

I started from something only a gateway can see. A card network sees its own cards and a buy-now-pay-later company sees its own shoppers, but a gateway sees every payment method at every checkout it runs. I built three steps on that view.

  • Compliance. Generate Saudi Arabia’s required e-invoices at the moment of payment, so staying with the gateway is also how a merchant stays compliant.

  • Checkout data. Help merchants sell more, starting with which payment option to show which shopper.

  • Merchant lending. HyperPay supplies the underwriting data, a licensed bank supplies the money, and repayment comes out of daily settlements.

Proposal. Nothing was built.

The proposalDiagram of a proposal: from the one view only a payment gateway has, every payment method at every checkout it runs, three steps climb. First, e-invoices made at the moment of payment, so merchants stay. Second, checkout data that shows each shopper the right payment option, so merchants grow. Third, merchant lending through a licensed bank partner, repaid from daily settlements, so merchants expand. A loop returns to the start: more transactions mean better data. Nothing was built.The proposalDiagram of a proposal: from the one view only a payment gateway has, every payment method at every checkout it runs, three steps climb. First, e-invoices made at the moment of payment, so merchants stay. Second, checkout data that shows each shopper the right payment option, so merchants grow. Third, merchant lending through a licensed bank partner, repaid from daily settlements, so merchants expand. A loop returns to the start: more transactions mean better data. Nothing was built.

Outcome

  • One of seven finalists to pitch at Berkeley Haas on April 17, 2026. Took 3rd place, one of three winning teams. It is a competition proposal; nothing was built.

    SourceOrganizer’s winners email, April 20, 2026; Muslims of Haas winners post

Credits

Entry
Easy Money
Pitched
April 17, 2026