ZIAPAY INC. is composed of ICT Professionals, bankers and lawyers to create an Z-Commerce wallet for ecosystem that gives focus on government revenue collection, gaming industrial sector and the Small and Mid-size Enterprise (SME), Micro, Small and Mid-size Enterprise (MSME) and Z-Commerce during this Pandemic.

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ZIAPAY INC. is composed of ICT Professionals, bankers and lawyers to create an Z-Commerce wallet for ecosystem that gives focus on government revenue collection, gaming industrial sector and the Small and Mid-size Enterprise (SME), Micro, Small and Mid-size Enterprise (MSME) and Z-Commerce during this Pandemic. Our goal is to provide a Cashless, Paperless, Contactless, less corruption and Human-error on processing the Ease-of-doing-business (EODB) here in the Philippines. Through our 25-years-experience in the government sector, we are capable to provide managing service, payment gateway, online registration system, POS terminals with e-Resibo.

Creative Agency

We aim to provide a platform that supports the Department of Finance (DOF) With the Bank Sentral ng Pilipinas (BSP), Bureau of Treasury (BTR), Bureau of Internal Revenue (BIR) and Anti-Red Tape Authority (ARTA) implements the Ease-of-doing-business (EODB).

Creative Agency

To preserve authenticity on the name of the Business by the Business Name Registration System (BNRS) and its e-Resibo accredited by the BIR for the business to become legitimate rather than underground economy.

Creative Agency

To have BSP, Anti-Money Laundering Act (AMLA) Compliance and Know-your-customer (KYC) through the facial recognition, biometrics, optical character recognition (OCR), 2 Valid IDs and One-time-password (OTP).

A graduate of Bachelor of Science in Computer Engineering from AMA Computer College, Philippines, he was conferred conferred a Doctorate degree, Honoris Causa, in Information Technolocy by Gordon College of Olongapo City in 2010,

Engr. Jay started modestly by importing SIMM RAMs, computer accessories and peripherals. In 1994, he established an IT company called the King of Memory. His exceptional skills in marketing innovative IT propelled King of Memory to an unparalleled achievement of being the number one supplier of memory chips in the Philippines in 1995-1996, supplying to more than 90% of the IT companies in the country, including IBM, HP, ACER, Dell and among others.

At the age of 29, in 1998, Engr. Jay was elected as the 50th and the youngest President of the Pasay City Host Lion's Club. During his term, as President of Lion’s Club, he generated US$3.0 Million as funds for various socio-civic projects. He instigated numerous socio-civic projects including the building of a computer laboratory and sponsoring the schooling of 700 needy students across the Philippines. His incessant and selfless contributions to the community made him the Gintong Ama Awardee, Media for Unity and Progress Awardee, and Kalayaan Awardee in 1999

In 2007, Engr. Jay established Pilipinas Micro-Matrix Technology (PMT Joint Venture) Inc. to meet the rising demands of the wireless solutions infrastructure in the country. Providing Information and Communications Technology (ICT) Solutions to the government agencies and private sectors has been the core business of PMTI. As the CEO, Mr. Son has proactively been engaged in technical consultancy, supply, design and installation of systems across the country.

He has also been dealing and working on the projects of the BIR since 2010. He was awarded a contract to develop the BIR’s Mobile Revenue Collection Officers System (MRCOS) which is a mobile application running on a POS Terminal and used to collect and record tax payment in the various Revenue District Offices (RDOs). In 2015, he accepted a contract from the Department of Trade and Industry (DTI) for the Customization/Development, Integration, Installation, Implementation, Operation and Maintenance of the Systems Enhancement for the Philippine Business Registry (PBR) and Business Name Registration System (BNRS). Currently, Engr. Jay is still engaged with these government agencies for various IT projects.

He also established 3 other companies namely; Online Jolly Platform Solution Incorporated (OJPSI), DIGIPEP Incorporated and Ziapay Incorporated to complete an end-to-end solution for the Online Sabong Platform.

  • Experience in the public sectors in the Philippines and the United Kingdom.
    • Philippines: Worked in the executive office of the former Tourism Secretary. Underwent rigid training in handling meetings, planning and implementing programs, doing briefing and post travel reports, organizing conventions and congresses, conducting researches of the relevant tourism issues, and anticipating peoples' needs.
    • United Kingdom: Coordinated and assisted in the implementation of effective programs of the Change Management Group of the Birmingham City Council.
  • Highly participative in international youth organizations namely the Ship of Southeast ASEAN Youth Program (SSEAYP) and the China-ASEAN Youth Camp (CAYC) and Leaders Program, and in an international non-governmental charitable organization, the World Vision Development Foundation. Currently working her way to reaching out to helping more children and youth through the Junior Chamber International (JCI) -Philippines.
  • Equipped with entrepreneurial and excellent leadership skills being currently exposed to small and medium business enterprises. Able to perform team supervision, which includes managing team tasks, meeting desired deadlines, assessing the team's needs to increase work performance, and providing constructive performance feedback to the team and superiors. Attended and participated various leadership programs in and out of the country. Experience in project and research management.in the Birmingham City Council.
  • Experience in project and research management.
  • Proven ability to converse, write, and read well in English. Worked well with British counterparts in the United Kingdom during stint with the Birmingham City Council. Qualified as a Visiting Scholar to the University of California, San Diego (UCSD) in the Pacific Rim.
    • Summer Seminar in U.S. Studies. Also has excellent command of Filipino, both written and oral.
    • Proven ability to organize conventions, workshops, and related functions.
  • Excellent critical, interpersonal, and organizational skills.
  • Highly proficient in Microsoft Excel, Microsoft Powerpoint, and Microsoft Word.
  • Highly interested in learning different languages and in experiencing different cultures.
  • Team player, highly motivated, deadline-savvy, fast learner, flexible, and with strong work ethics.
  • University graduate with excellent distinctions.



Ashta Holidays Travel and Tours 2007 - Present Category: Business / Travel and Tourism Mandaluyong City, Philippines - Ashta Holidays Travel and Tours promotes travel related products and services to local and foreign nationals with the desire to not just sell but to make each and every travel and experience for the travelers. Ashta Holidays was conceptualize to primarily promote the Philippines as a tourist destination and to encourage Filipinos to get to know more about their country first.


Birmingham City Council, United Kingdom 2005 - 2007 Category: Public Sector Birmingham City Council, U.K. - The Birmingham City Council is Birmingham City's primary government agency and the city's largest public organization, which oversees its community, business and economy, environment, social care and health, learning, leisure and tourism, and transport. The Change Management Group is one of the major core groups of the Social Health and Care Directorate of the Council which aim to implement effective programs in providing home care support, in assisting people to live in an appropriate manner, and in helping them find suitable alternative accommodation that meet their needs.

  • Assisted the Head of the Change Management Group in his meetings and projects and programs of 14 project and test managers, trainers, and analysts. Served as integral member of the management team.
  • Provided Support during the time of organizational restructuring.
  • Improved office efficiency and customer service in health care by overhauling previously muddled filling system, eliminating problems of lost paper works and delayed responses to new inquiries.


Creative Image Solutions, Inc.

2003 - 2005 Category: Advertising and Promotions Agency to Government / Public Sector Creative Image Solutions, Inc. - An advertising and promotions company, Creative Image Solutions, Inc. first rose to cater to the promotional needs of the travel and tourism industry of the Philippines. It has closely worked hand in hand with the Philippine Department of Tourism in the latter's effort to promote the Philippines as a business and holiday destination. Since then, this organization has expanded its creative and advertising services and is now going global starting with the Asia-Pacific Region.

  • Successfully handled one of the company's special projects, which is the development of the multi-media and other promotional materials of the Department of Tourism's 'Ganda ng Pilipinas, Galing ng Pilipino' (The Beauty of the Philippines, the Excellence of the Filipinos) marketing campaign.
  • Conducted researches and developed the content of seventeen Department of Tourism - House of Representatives Visitors' Information System (VIS) Kiosks and Websites.
  • Prepared action plans and worked on the project timeline of the VIS project. Ensured that the timeline was carefully followed.
  • Led a team of three programmers and five layout artists in the careful implementation of the above projects and other assigned projects. Supervised the team's work performance, managed issue resolutions, and provided proper assessment of each individual's performances. Regularly checked on the team's progress.
  • Ensured that the management had proper visibility on each of the project's progress.
  • Helped in conceptualising the English Learning Programme for international students as a package for educational tourism. Presented the management the English learning packages equipped with student tour packages.
  • Helped analyse some of the team's existing project plans, proposed some changes based on the defined requirements, and provided support in the implementation of changes.
  • Helped in collating data needed for most of the promotional materials.
  • Provided production support and managed customer inquiries of assigned projects.
  • Worked independently in drafting project plans, timetables, correspondences, and reports. Performed other minor functions as directed by the Project Manager and / or the Director.


Office of the Secretary, Philippine Department of Tourism 2001 - 2003 Category: Public Sector Department of Tourism - is a primary government agency responsible in encouraging, promoting, and developing tourism as a major socio-economic activity to generate foreign currency and employment and to spread the benefits of tourism to both public and private sectors. Its six major departments include the Office of the Secretary, Tourism Promotions, Tourism Services, Planning and Product Development and Coordination, and Internal Services. Undertook researches and studies, and arranged for the logistical requirements of the Minister for both overseas and local travels, including the preparation of appropriate background investigation, briefing materials and post-travel reports. Prepared daily meeting reports, briefing folders, presentations, speeches, and discussion points for the Secretary's engagements. Ensured efficient day-to-day running of the Secretary's meetings and events. Review and take action on incoming and outgoing correspondences of the office, in coordination with the assigned attached agencies and offices of the department. Followed up and acted upon all programme actions assigned for by the Secretary

  • Assisted the Secretary in his local and overseas official travels
  • Assisted the Head Executive Assistant in various assigned tasks and functions

Extensive knowledge in Banking and Credit Card Operations and Technology for 42 years upon my retirement in 2011. My career started in learning systems and programming at NCR Corporation for 6 years where my last position was Project coordinator of big NCR Computer (Century Series) customers such as SSS, Victorias Milling Company, BSP among others. Then I moved to Citibank in 1976 where I started the Consumer Bank Systems implementation and Data Center operation in a Service Bureau (Equicom Computer Services) located in Juan Luna, Manila before we transferred our operation to our own Data Center in Makati.

After several years in Citibank Makati as Vice President, I was seconded to our affiliate bank then known as Citytrust Banking Corporation, for 3 years as its Consumer Bank Technology Head. By God’s grace, I was given an opportunity to become an expat when I was assigned as Consumer Technology Head in Citibank Indonesia from 1989 to 1992. Afterwards, I came back to Citibank Manila as Card Technology Head when we started issuing Credit Cards locally.

In 1999, I requested for an early retirement in Citibank because I was invited to join a newly established bank; Asia United Bank (AUB) where I was hired as a Senior Vice President for Technology and Operations. Later on I was given the task of managing its growing Branches Operations, while my last position before I retired was as the Chief Compliance Officer of the bank.

Consultancy Jobs after Retirement

BancNet Consultant on ongoing Major/New Projects ECTK Solutions, Affiliate member of Bancnet which run the Atm switches of several Rural Banks

Trasset International, Banking Solutions Provider (Customer-Bureau of the Treasury)

Major Affiliations:

BancNet President from 2005 till 2011 upon my retirement

BancNet Member Bank Rep when I was in Citibank/AUB

Citytrust representative in forming Bancnet

Citibank Indonesia representative to their ATM Consortium

AUB representative in Bank Administration Institute

Church Affiliation:

Christ Commission Fellowship (Christian Church) Member of several Ministries to support its Mission/Vision and to grow myself Spiritually Discipleship Group Leader.

Atty. Rodolfo “Inky” O. Reyes is currently Managing Partner of the Gordon Reyes Viado & Blanco Law Offices (GDR Law). He is a B.S. Business Economics and Bachelor of Laws graduate of the University of the Philippines.

His current practice areas include Tax Compliance Advisory and Services, Tax Litigation, Transaction Management & Integration, Corporate Development Advisory, Corporate Compliance and Divestitures, Restructuring and Strategy Design. He started his legal career with the Angara Abello Concepcion Regala & Cruz (ACCRA) Law Offices (1987-1991), and became Asst. Vice-President and Head of the Legal Department of the Magsaysay Group of Companies (1991-1992).

He has had extensive legal experience in the fields of taxation, corporate law, labor law, and litigation. Together with Sen. Richard “Dick” Gordon, Atty. Reyes drafted the Subic freeport provisions of Republic Act No. 7227 which created the Bases Conversion Development Authority (“BCDA”) and the Subic Bay Metropolitan Authority (SBMA). He worked with the World Bank and multi-government agencies in drafting the Implementing Regulations of the SBMA, and served as the authority’s Deputy Administrator for Administration, Chief of Staff and Corporate Secretary of the SBMA from 1992 to 1996. His four-year tenure at the SBMA saw the creation of over 40,000 jobs, the influx of over U.S.$1.0 Billion worth of investments, and the outflow of over U.S.$1.0 Billion in exports. He negotiated the major contracts in Subic including Federal Express, Coastal Petroleum, Subic Bay Legenda Resort Hotel & Casino and the Subic Bay Yacht Club.

After his SBMA stint, then Presidents Fidel V. Ramos and Joseph E. Estrada appointed Atty. Reyes to serve as the first Administrator & Chief Executive Officer of the Cagayan Economic Zone Authority from 1997 to 2001. In 2002 and until his entry into the Firm in 2007, Atty. Reyes joined SyCip Gorres Velayo & Co. (Ernst & Young) where he handled corporate and tax services for the firm’s largest clients. He was later on appointed as Managing Director of SGV’s Knowledge Institute.

Atty. Reyes is also active in professional and socio-civic activities. He is a Governor of the Philippine Red Cross, a position he has held since 2005. He served as President of the Rotary Club of Makati Dasmariñas, R.I. District 3830, and has held various positions in the District, including Coordinating Chairperson for Red Cross Projects. He is incoming Chief of Staff and Chair of Rotary-Red Cross Partnership of the Incoming District Governor for RY 2021-2022. He has also held committee positions in the International Federation of Red Cross and Red Crescent Societies (IFRC), having served on the Reference Group on Migration, and is currently serving in the Compliance and Mediation Committee (CMC) which investigates breaches of integrity and mediates between opposing factions in national societies all over the world.

Last, but not least, he is active in Victory Christian Fellowship where he leads a Victory Bible study groups and teaches during spiritual retreats. He also leads discussion groups in Bible Study Fellowship (BSF) and serves in the Legal Advisory Group of the Justice Peace and Reconciliation Committee (JPARCOM) of the Philippine Council for Evangelical Churches (PCEC).

He is married to Aimee Vesagas-Reyes of Butuan City, and has three adult sons – Barry, Kevin and Ralph. He plays golf, softball and bowling and loves fishing.

As a full-time employee in both private and government sectors, Mr. Marukot has held senior positions in management, sales and marketing in the highly competitive field of Information Technology, and later on in the fintech industry. Positions held included, starting in my early years, computer operations, field/maintenance and systems engineer and later on moving into sales and marketing and then into business and product development in the electronic payment solutions for the banking industry. His combined experiences provided a unique strategic perspective and knowledge to assist prospective companies wanting to do business in the Fintech industry in the Philippines. Areas of expertise: General management, visionary, performance-culture building, effective people management, P&L management, excellent written and oral communication skills.

Managing Consultant

IPAY88 Phils. Inc.

A subsidiary of IPAY88 Malaysia, an online payment gateway provider. As Managing Consultant, Mr. Marukot was responsible for onboarding major merchant partners like PLDT, SMART and started payment facilitator engagements with Banco de Oro, East West Bank, BPI and Global Payments, Inc.

Business Development Consultant

Fexco Philippines, Inc.

Business Development Consultant for a total of two years, starting in 2014, with Fexco Philippines Inc., a subsidiary of FEXCO Ireland, a world leader in innovative FinTech, Payments & Business Solutions, with operations across 29 countries worldwide. At that time Fexco was still in the process of opening their local office. Assisted the company in identifying and closing potential business deals, analyzing market strategies, and identifying potential partners. Provided local Philippine business perspectives to the Fexco senior management during a briefing session held in their head office in Ireland and which expedited their decision to open the Philippine office.

Business Development Consultant

Mobi724 Global Solutions Inc.

Mobi724 Global Solutions Inc., based in Montreal, Canada, is an international fintech company offering payment processing services including mobile based services. The company was interested in opening a subsidiary in the Phils. Assisted the group to establish a local presence in the Philippines by developing a business strategy which included: meeting with local banks as prospects for their solution and services; assisted in the modification / redesign of their core product (payment processing platform) to fit the requirements of the Philippine payment market; and guided them for this modified payment platform to be certified by BancNet. The local company (Mobi724 Asia Inc.) started business operations in 2015 and was certified by BancNet in 2017 as one their authorized Third-Party POS Providers along with Tangent, Weepay and GHL.

Consultant for Payment Processing

Gemini Group of Companies

Gemini is involved in providing Cash-In-Transit services for banks and financial institutions. Rey is currently helping the group to provide an innovative product and solution by automating their current product offerings. Their current major bank clients have requested Gemini for these services in order for these banks to address the requirements of the new normal during the Covid 19 pandemic. The project is still confidential until it is fully launched.



Head, Business Development Division
March 2004 to April 2014

Full-time Management Consultant and Head of the Business Development Department for BancNet, Inc., was responsible for the enhancement of existing products and the development of new innovative electronic payment products leveraging on the unique switch infrastructure of BancNet. All local banks connect to the Bancnet ATM switch. New products/services developed and offered during his term were: mobile banking; enhanced Banking Online (the online banking for member banks); revised the business model for the POS product which enabled Bancnet to increase its terminal population and partner merchant base; online real-time funds transfer; and launched the ecommerce service which enabled online merchants to accept local ATM cards for payment of goods/services.

BancNet is the largest ATM switch network in the country with more than 120 members. The growth in membership was mainly influenced by the availability of unique products exclusively for BancNet member banks and which were developed during the term of Mr. Marukot.

Major accomplishment in BancNet: Responsible for turning around the POINT OF SALE (POS) business to profitability after a consistent net loss performance since the launch of the product in 1994. The turn around was made possible after revising the product’s business model in 2007.

Business Consultant to the following companies:
February 2001 to February 2004

Channel Technologies, Inc. – drove business development activities to generate new revenue opportunities for self-service products and services.

One Point Contact, Inc. – co-founded the company, which was engaged in the support and maintenance business for ATMs and other self-service products.

IT Consultant, National Computer Center from March 1999 to January 2001, was the overall Project Manager for the National Crime Information System (NCIS), a P400 million project under the Office of the President, and the nine government agencies responsible for the implementation of the criminal justice system, namely: Philippine National Police, National Bureau of Investigation, National Prosecution Office, Bureau of Corrections, Bureau of Jail Management, the local courts including the Supreme Court and the Parole and Pardons Board. The project linked the nine agencies and integrated their databases to facilitate the documentation, apprehension, prosecution and rehabilitation of criminals.

IT Consultant for the Social Security System (March 1999 to 2001), provided advisory support to the SSS Administrator in understanding the role and potential of using Information Technology to facilitate the delivery of services to its 12 million active members


Chief Marketing Officer
  • An assertive leader who can coach, motivate, & manage a sales/marketing group to achieve a common goal for the organization
  • Exposure in conceptualizing sales and marketing strategies for the Public/Government Sector
  • Familiarity and mastery of the Philippine Government procurement processes
  • Over twenty-eight (28) years of sales and marketing experience managing Public/Government Sector
  • Co-Founder, Treasurer, and Board of Director of ICTIC
  • Former President of Information Technology Industry Coalition (ITIC)
  • Public Sector Enterprise Account Executive – Philippines for Tableau Software
  • Former Public Sector Account Lead – Philippines (Worldwide Public Sector) for Amazon Web Services
  • Former Senior Sales Manager, Cloud Platform Group of Oracle (Philippines) Corporation
  • Former Business Development Manager, Enterprise Business Team of Samsung Electronics Philippines Corporation
  • Former Senior Account Manager, Government/Public Sector of Symantec (Philippines), Inc.
  • Former Business Unit Head, Public Sector Group of ePLDT, Inc.
  • Former Senior Account Manager, Solutions Services Group of Total Information Management Corporation
  • Former Senior Account Manager, Public Sector of Aurora Wireless Technologies, Ltd.
  • Former Sales Manager, Government and General Business Sectors of Microcircuits Corporation
  • Licensed Electronics and Communications Engineer
  • Graduate of Mapua Institute of Technology with a degree of Bachelor of Science in Electronics and Communications Engineering (November 1992).


Chief Technology Officer
Personal and Service Philosophy

“I am responsible for my actions. All I can do is confront current realities without ever losing sight of my vision for the future. No complaints, no excuses — just get the job done right, one step at a time, all the time."

Service Focus

Acquire and transfer knowledge, architect and implement solutions and deliver results.

Summary of Aggregated Professional Experience
  • Over 30 years of aggregate experience in Information Technology Implementations, Program Management, Process Design and ICT/Management Consulting;
  • 13 years of executive and program management experience as MIS Director in implementing and operation management of an enterprise-wide systems;
  • Management experience also includes client relations management and business development; addressing both technical and business needs as a means of generating and closing new opportunities;
  • Strong subject matter knowledge (and implementation experience) in Supply and Inventory Management, Knowledge Management, Service Oriented Architectures, AWS Cloud Infrastructure Design and Implementation, MS O365 and Azure Cloud Infrastructure Design and Implementation;
  • Industry experience includes: Human Resource Management, Inventory and Sales, and Public Services (national government agency DTI and CSC);
  • BS Computer Engineering (Rizal Technological University – Mandaluyong, Philippines)
  • Masters in Information Systems (Southern Cross University – New South Wales, Australia)

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