Graham Gilmour

Strategic Payments and Business Development Leader with 40 years' experience building and scaling alternative‑payment ecosystems across Africa, the Middle East, and frontier markets. Proven track record in mobile‑money expansion, cross‑border remittances, digital‑wallet adoption, agent‑network growth, and the commercialisation of new payment rails in high‑growth, high‑complexity environments. Recognised for forging high‑value partnerships with banks, MNOs, fintechs, PSPs, regulators, and government stakeholders.

Combines deep emerging‑market insight with commercial discipline to deliver compliant, scalable, and revenue‑generating APM solutions. Ideally suited for organisations seeking leadership in alternative payments, cross‑border strategy, and next‑generation payment innovation.

Chief Executive Officer - Gold Terra Capital - London, UK

(2024-01)

Global payments organisation connecting clients with international banking networks and alternative‑payment solutions.

• Leading the development of a global APM ecosystem, integrating bank‑to‑wallet, digital‑wallet, and cross‑border settlement capabilities.
• Building partnerships with banks, PSPs, fintechs, and regulators to expand multi‑rail payment options.
• Designing governance and compliance structures to support new digital‑asset and alternative‑payment products.

Business Executive Officer - Enviromine Resources Ltd

(2024-01 - 2025-12)

• Strengthened governance and risk frameworks supporting digital‑payment flows within operational environments.
• Enhanced community‑engagement models enabling local‑market payment adoption.

New Business Executive – Payments & Connectivity - MCT Global Media Corporation & Rural Connect - South Africa

(2022-01 - 2024-12)

• Directed cross‑border digital‑inclusion programmes incorporating crypto‑enabled payment rails and digital‑wallet access.
• Oversaw deployment of secure Wi‑Fi infrastructure enabling rural digital‑payment participation.
• Ensured ESG alignment and measurable financial‑inclusion outcomes.

New Business Sales Leader – Fintech, Mobile Payments & IoT - Africa

(2020-01 - 2022-12)

• Led sales and commercial strategy for mobile‑money, TVWS, and digital‑payment ventures across multiple African markets.
• Expanded merchant and agent networks to accelerate APM adoption.

Chief Executive Officer - NRG Wireless Ltd - Ghana

(2018-01 - 2020-12)

• Directed Wi‑Fi and mobile‑payments expansion across ECOWAS, enabling wallet‑based transactions and digital‑commerce growth.
• Built partnerships with MNOs and fintechs to strengthen alternative‑payment acceptance.

Director of Sales – International Franchise Business Development - International Money Transfer Company - Dubai, Kenya, Ghana

(2015-01 - 2016-12)

• Developed commercial and governance frameworks for high‑value remittance corridors.
• Strengthened agent‑network performance and cross‑border settlement efficiency.

Senior Payments & Partnerships Consultant - Independent - Africa, Middle East, Caribbean

(2005-01 - 2015-12)

• Advised Visa, Barclays, Atlas Mara, and regional banks on APM strategy, mobile‑money expansion, and payments innovation.
• Supported regulatory engagement and scheme‑compliance initiatives.

Business Development Executive - Wentworth International - Sierra Leone

(2013-01 - 2014-12)

• Managed commercial operations and stakeholder relationships across large‑scale land and resource projects.

Pan‑African CEO - The Business Phone Ltd - Middle East & Africa

(2007-01 - 2013-12)

• Introduced mobile‑payment innovations across East and West Africa.
• Scaled transaction volumes to over 1 billion annually in partnership with Safaricom and M‑Pesa.
• Built one of the region's earliest large‑scale alternative‑payment ecosystems.

Dunfermline High School