Mr. Kanagaraj Lorenz ("Mr. Lorenz") is a graduate from the Sunderland University, United Kingdom. He is a member of the Malaysian Institute of Certified Public Accountants (formerly known as Malaysian Association of Certified Public Accountants) and a fellow of the Institute of Chartered Accountants in England and Wales.

Mr. Lorenz is a payment specialist who has thirty (30) years' experience in both the banking and the payments industry. He held the position of Group Chief Executive Officer of GHL Systems Berhad ("GHL") since his appointment in September 2011 till the end of 2016. He retired from GHL as an Executive Director in May 2017. Currently, he is an Advisor to the Board of GHL and a product specialist to the Fintech Association of Malaysia.

Prior to GHL, Mr. Lorenz worked for Citibank for fourteen (14) years in Malaysia and Australia in various positions in Investment and Corporate Banking, covering treasury risk management, Chief Financial Officer ("CFO"), and finally, Corporate Bank Marketing Head. 

Mr. Lorenz left Citibank in 2000 to create an internet payment start-up for DBS Bank Ltd. in Singapore. It was the first real-time Direct Debit gateway of its kind in ASEAN. This company was eventually purchased two (2) years later by NETS Pte Ltd ("NETS"), a large payments company in Singapore, which is owned by the Singapore banks and rebranded as "eNETS". He built "eNETS", the internet payment arm of NETS from inception into the leading online payment gateway in Singapore. 

He also spearheaded NETS investment into China with a joint venture partner and interconnected China UnionPay ("CUP") with NETS such that CUP cards could be accepted in Singapore for the very first time outside of China, Hong Kong and Macau.

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