--- title: "Use cases | raffina" description: "Outcomes from projects led by Mo Zaatar of raffina: Bless Payments, an AI onboarding assistant, Kanga, onRAMP, BHP South Flank, Bankwest Easy Instalments, Hannover Re and more, with the outcome of each." url: "https://raffina.com.au/use-cases" --- # Use cases What changed for the business in projects Mo Zaatar has led. ![Bless Payments logo](https://raffina.com.au/images/logos/bless.png) ## [Bless Payments](https://blesspayments.com) Turned a two-page idea into a licensed payments business in two countries: 15,000 downloads, 4.8 stars on both app stores, tens of millions processed, 70 destinations customers can send money to, and a A$3.75M seed round. AI tools roughly tripled the team's output with no extra hires. Role: Co-founder, CTO and board director · 2022 to present Licensed money transfer and cards, Australia and Canada ## AI agent for an accounting and advisory firm An AI assistant built for the firm takes new clients through onboarding and invoicing, and dashboards bring the firm's numbers from several systems into one place. Role: Fractional CTO through raffina · Current Confidential client ![PSM UpStream Solutions logo](https://raffina.com.au/images/logos/psm.png) ## [PSM UpStream Solutions](https://psmupstream.com.au/) Timesheets move between three systems (payroll, assets and accounting) on their own, so nobody re-types them, and managers can see how their people's time is used. Role: Principal Engineer · 2023 to 2025 Workforce systems and reporting ![Kanga logo](https://raffina.com.au/images/logos/kanga.png) ## [Kanga](https://www.kangahq.com/) Businesses get their reports from one shared platform that stays cheap to run, keeps each customer's data separate, and gains new reports without new code. Role: Lead architect and main developer, at MakerX · 2022 to 2023 Reporting software for small and mid-sized businesses ![onRAMP logo](https://raffina.com.au/images/logos/onramp.png) ## [onRAMP](https://www.onramp.makerx.com.au/) Other teams can create digital assets on the Algorand blockchain without learning how it works: more than 20,000 assets created across 70,000+ transactions. Role: Lead solutions architect, at MakerX · 2022 to 2023 Blockchain platform ![Data History Museum logo](https://raffina.com.au/images/logos/dhm.png) ## [Data History Museum](https://museum.datahistory.org/) Events such as earthquakes and solar flares are recorded as verified digital collectibles the moment they happen, supporting disaster relief. The first collection sold out. Role: Platform architect, at MakerX · 2022 Funded by the Algorand Foundation ![HBF Health logo](https://raffina.com.au/images/logos/hbf.png) ## [HBF Health](https://www.hbf.com.au) Set the future design of the member website and mobile app for one of Australia's largest private health insurers. Role: Solution architect · 2021 to 2022 Private health insurance ![Vix Technology logo](https://raffina.com.au/images/logos/vix.png) ## [Vix Technology](https://vixtechnology.com) Helped a global ticketing company move from one-off custom projects to products it builds once and sells many times, coaching the leads of three teams. Role: Principal engineer, the first Vix appointed · 2020 to 2021 Public transport ticketing ![BHP South Flank logo](https://raffina.com.au/images/logos/bhp.png) ## [BHP South Flank](https://www.bhp.com/news/media-centre/releases/2021/10/bhp-marks-official-opening-of-south-flank) Mine leadership got one live view of what is happening across the operation, so decisions are made on current information. Role: Team lead, at Telstra Purple · 2020 Iron ore mine, Pilbara ![Bankwest Easy Instalments logo](https://raffina.com.au/images/logos/bankwest.png) ## [Bankwest Easy Instalments](https://www.bankwest.com.au/support/credit-cards/easy-instalments) Customers can pay off credit card purchases in instalments from the app, a first for an Australian mobile banking app. One of four features taken live, after unblocking a core bank system stuck for over a year. Role: Lead of the credit card mobile team, at Telstra Purple (Readify) · 2016 to 2017 Banking ![Hannover Re logo](https://raffina.com.au/images/logos/hannover.png) ## [Hannover Re](https://www.hannover-re.com/) Designed and built a cloud setup on Microsoft Azure that is copied across Australian locations, so it keeps running if one fails, and cut the cloud bill by 25%. Role: Solution architect and developer, at Readify · 2016 Reinsurance ![International Turnkey Systems (ITS) logo](https://raffina.com.au/images/logos/its.png) ## [International Turnkey Systems (ITS)](https://www.its.ws) Moved older banking software onto a modern web platform and joined three banking products onto one shared back end, leading teams of 5 to 10 developers, for banks in five countries across the Middle East and Asia. Role: Developer, then team lead, then technical architect · 2007 to 2015 Banking software, part of Kuwait Finance House, the world's second-largest Islamic bank by assets Some engagements are confidential; references are available under NDA. ## Have a project like one of these? [Book a 30-minute call](https://koalendar.com/e/mzaatar)