About Smartpay

“Potentially the Best Fintech team in Japan right now”


Over 100 year experience in Japan fin tech industry:
From Amazon Japan / Paidy / Stripe Japan / Mastercard Japan / Facebook / Rakuten / Paypal Japan / Yahoo Japan / AppsFlyer Japan

In Japan1st
We Are The First In JapanTo Build The Full Ecosystem To Enable Digital One Click Financial Solution
  1. To get direct debit license for banks

    First fintech to gain the direct debit bank license enabling consumers to pay with cash in real time from their bank account.

  2. BNPL to sign 67 banks

    The signed banks cover over 90% of the banking population, making us the first national digital direct debit ecosystem.

  3. BNPL with credit card payments in Japan

    Completely free BNPL service offering 3 installments over 2 months.

  4. To have both Adyen and Stripe as processors in Japan

    Dual processing allows us stability and highest authorization rate in Japan.

  5. Have built most experienced Japanese Fintech Engineering and Sales team

    Cumulative 100years of experience in Japan Fintech - Paidy (bought by Paypal for USD $3 Bn in 2021), Adyen, Stripe, Amazon, Facebook, Mastercard.

Our Mission

By answering the “wants”of consumers
We will be changing the standard of paying, shopping and consumer finance solutions.We do this by defining and delivering on what ‘want’ really means.

Smartpay is more than just a technology company; We are a company that understands the uncertainty and anxiety people face in the new world of digital commerce.

Eliminating interest, hidden fees, and the anxiety consumers feel about sharing their data. We aim to provide the smoothest user experience. For merchants, we deliver a system solution that focuses on growing their revenue.

For consumers, for businesses, for both. We build “smart solutions that are seamless to use”.

Smartpay Team

Executive Leadership

  • Sam Ahmedサミル・アハメド

    CEO Co Founder

    A global and APAC digital and Ecomm leader for 4 +$20B businesses.

    Harvard Business School Graduate

    Industry recognition: 2018 The Top 50 People in the APAC Digital Industry by Drum Magazine. 2018 Asia Pacific Top 50 Leaders - Campaign Magazine. 2017 Asia Pacific CMO of the Year.

    Facebook - Head of Payments and Fintech APAC and Japan

    Key initiatives for WhatsApp, Instagram Shopping, Mobile Commerce and Facebook marketplace.

    Standard Chartered - Global Head of Digital, Insights and Marketing; Retail and Wealth

    Mastercard - Senior Vice President Head of Marketing (Digital, consumer, sponsorships, insights) Asia Pacific and Japan
Built Digital & Ecommerce engine - consumer acquisition solution for merchants (HBS case study)

  • Naoya Otsubo大坪 直哉

    Managing Director & Chief Revenue Officer

    Naoya is a highly recognised and experienced digital and FinTech leader.

    Naoya has proven success for“launch to scale”companies and driving“sustained revenue growth”for large corporations

    Naoya leadership style and“people first”approach to both his team and customers drives Smartpays go to market culture.

    AppsFlyer - Japan Country Manager
    Built the team and the business from scratch and expanded the market share from 0 to 51% (Source: App Annie)

    Criteo - Director of Mid Market, APAC
Built the team from scratch in Japan, Korea and Australia, taking care of both the supply side and the demand side.

    Yahoo! Inc. (Overture) and Yahoo! Japan
Developed and led multiple teams including Online Sales, Key Accounts and Global Sales.

  • Julia Szoradiジュリア・ソラディ

    Head of Risk and Product Operations

    A data science expert with 10 years experience leading risk, machine learning and data science functions across leading Payments, Robotics and Fintech companies.
    Unique expertise gained in building out the risk and analytics function for Paidy BNPL. Julia has spent the majority of her career in Japan.
    Julia's experience across FinTech and payment companies as they scale means Julia provides Smartpay customers a safe and seamless credit experience.

    Stripe - Data Science Engineer (Tokyo)
Worked on defining and measuring multiple company wide KPIs to better understand business performance and consumer behaviour.

    Paidy - Lead Data Engineer (Tokyo)
    Founding member of the risk and analytics team.
Designed/ Managed credit underwriting and fraud prevention models.

    Master of Science (MSc) Computer Science

    Budapest University of Technology and Economics

    Bachelor of Science (BSc) Computer Science
Budapest University of Technology and Economics

  • Erica Kitamura北村 恵里花

    Head of Design and Innovation

    From seed to growth stage, Erica has extensive hands-on experience with Startups to multinationals building brands and innovation strategies from the ground up. She’s an expert in Service Design, UIUX, Design Thinking, Branding, and Business Strategy with over 10 years of experience.

    Reaktor - Lead Product Designer (Tokyo)

    Led the UIUX strategy, brand design and Design Thinking. Strategized and executed future innovation for a Japanese Asset Management Company.

    Paidy - UIUX/Service Designer (Tokyo)

    Founding member of the Design team at Paidy. Led the brand development, user research, UIUX, and creative strategy. Collaborated closely with partners in the finance industry for future innovation.

    Bachelor of Fine Arts (BFA) Graphic Design

    Virginia Commonwealth University, School of the Arts

Smartpay Team

Cross Functional

  • Linmic Linリンミック・リン

    Head of Front-end & Mobile Engineering

    Paidy - Head of Front-end & Mobile Engineering
    Rakuten - Senior Front-end Engineer

  • Sheng-Loong Suシェング・ロング・ス

    Head of Backend Engineering

    Stripe - Senior Software Engineer
    Salesforce - Senior Software Engineer

  • Daisuke Murakami村上 大介

    Head of Customer Success

    Booking.com - Senior Account Manager
    Cathay Pacific Airways - Senior Customer Service Agent

  • Satoru Asama浅間 聡

    Head of Partnerships and BD

    Boku - Senior Director of Business Development
    PayPal - Head of Relationship Management

  • Daniel Perujoダニエル・ペルホ

    Head of Product Design

    Zypsy - Design Lead
    IDEO - Senior Interaction Designer (Tokyo)

  • Atsushi Namihisa浪久 敦

    Head of Sales

    Amazon - Senior Account Executive of Enterprise Company
    CyberAgent/Wedding Park - General Manager of Sales Dept.

  • Hajime Kawanishi河西 肇

    Head of Sales, Key Accounts & Enterprise Strategy

    Amazon - Head of Licensing / Accelerator Program
    Bloomberg - Team Leader, Equity Derivatives team in Analytics

Company profile


Smartpay K.K.


June 30, 2021


Sam Ahmed

Business Type

Buy Now, Pay Later

Our Office

Kazama Building 6F, 2-19-5 Nishishinbashi, Minato-ku, Tokyo 105-0003