Our Story
Twenty-five years of relationships, now on your side.
1998
First job, face to face, selling for a telecom company in Pakistan.
1998 to 2012
Banking: a relationship role in a mortgage division, then branch management, running sales across eleven branches.
2012
Moved to the UK.
2012 to 2014
University of Hertfordshire.
2016
Barclays, starting again from the counter, as a Community Banker.
2018
AVP, then later Senior Payments Specialist at Barclaycard.
2020
VirtualMerchants.
2024
Left Barclays, into payments, working with Dojo.
2024
It became Klipy.
Where it started
From the counter up.
I started in sales before I started in finance. My first job, in 1998, was face to face, selling for a telecom company in Pakistan. From there I moved into banking: a relationship role in a mortgage division, then branch management, running sales across eleven branches.
I moved to the UK in 2012 and studied at the University of Hertfordshire until 2014. Two more years of work, several roles, brought me to Barclays in 2016, starting again from the counter, as a Community Banker. I was an AVP within two years, later a Senior Payments Specialist at Barclaycard.
- first job, face to face
- 1998
- branches, running sales across them
- 11
- years of relationships
- 25
The pattern
Start at the bottom.
That is the pattern, if there is one. Start at the bottom, learn the business from the ground up, work out what a customer actually needs.
In 2020, alongside the Barclays job, I started a business of my own, VirtualMerchants, selling on Amazon. When I left Barclays in 2024, I took that same company in a different direction, into payments, working with Dojo. The Amazon side closed. The consultancy became the whole business. Later that year, it became Klipy.
How Klipy runs
Software, not staff.
Klipy runs on a team of AI agents. There are forty-nine of them, each with a defined role, its own remit, and its own limits on what it can see and do. They do engineering, research, finance and writing. They are software, not staff, and I direct them.
The hard part was never getting AI to produce work. It was getting work I could rely on. So most of what I built is the checking. Written policies. Review gates that have to be passed before anything ships. Agents whose only job is to try to prove another agent wrong.
The audit
A hundred and nine held up.
When we researched our next product, I had the research audited by someone whose brief was to attack it. A hundred and thirty six findings were raised. A hundred and nine held up. Twenty seven did not, and we wrote down which ones and why.
- 136
- findings raised by the audit
- 109
- findings that held up
- 27
- did not hold up, written down why
Checked, not trusted.
That is the part I would want a customer to know. Not that we use AI. That we do not trust it without checking.
Over twenty-five years in sales and relationship management, across banks, financial organizations and telecom. Klipy is what all of it was for.
