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Founding Team

Rajan S. Narayan

Founder CEO

Rajan has over 25 years' in-depth insider experience in the IT financial services industry specializing in digital banking, cards and payments having contributed significantly in the transformation of digital payments business for over 60 institution including banks, fintechs, national switches, processors/aggregators and retailers in the Asia Pacific, Africa and Latin Americas regions.Rajan has led the global expansion of SmartVista in the Asia Pacific and Latin America region in the last 15 years, increasing Smartvista's global footprint by over 110%, with financial institutions benefiting from digital payment solutions covering Network Schemes such as VISA, MasterCard, JCB, AMEX and UnionPay and National networks. He previously worked for a number of banks in the cards and payments business units in ANZ Banking Group, Bank of New Zealand, Commonwealth Bank of Australia and Post Bank NZ, as well as recognized banking and finance industry IT solution vendors such as ACI Worldwide and Fair Isaac based in the Asia Pacific region. Rajan understands that in the era of the digital ecosystem which includes, banking, payments and marketplace, there is a constant & continuous threat of frauds, hacks etc and seeks to address the same by offering a game changing method of credential protection and secure digital transactions by pushing tokenization at the point of transaction as a single solution. Cyberbeat's Cloud Native SaaS platform on AWS enables cardholders and bank account holders to protect their login data, card details and account data credentials when performing single or recurring payments and digital banking transactions on the internet with VkenPay and VkenCredence solutions as well as offering full payment processing functionality for banks and fintechs. Rajan holds MBA from the Macquarie University, Australia and as Cyberbeat founder CEO, he is leading the Cyberbeat team to expand into the $12 billon with CAGR of 20% global virtual payments market. Cyberbeat - Protecting customer credentials and securing transactions in the Digital Ecosystem

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Prashanth Pereira


Prashanth's career spans over 30 Years of result oriented professional experience in Banking, Mutual Fund, Insurance, NBFC, Securities, Records Management, Technology & Quality Management. Prashanth is a highly acclaimed proven achiever, out of the box thinker & innovator and has managed multiple profiles at the CXO level at top level Banks, NBFCs and Companies such as, Citizen Credit Co-op Bank, Indusind Bank, ICICI Bank, Reliance Mutual Fund, Reliance Capital Ltd, Edelweiss Securities Ltd, Finmax Group, Manipal Technologies Ltd etc. Prashanth has been instrumental in setting up large scale Regional & Centralised Banking Back Office & Call Center Operations, including Centralization of all Retail operations for one of the premier private banks in the country. Deft in implementing systems & procedures with proven ability to maximize efficiency , reduce costs & improve customer service by process re-engineering thru Quality Management and Automation techniques including technology. Prashanth set up & headed the Business Solutions Group for one of the largest Securities Group manging all companies under the group and was among the pioneers to have successfully implemented BI for all reporting and analysis at all levels with the organization. He has also spearheaded achieving ISO 27001 Certifications for 2 organisations as CISO. Prashanth has been managing worldwide strategic alliances, product & services for Miri Systems LLC, a company based in North Carolina, USA. He has also been strategy advisor for a couple Fintech start-ups in various aspects of business development and processes. Prashanth, with his all-round expertise in Business, Service and Technology has understood that the world needs technology which is ease of use and secure at the same time not dependent on the network, and hence for the last couple of years he has been an evangelist of Secure Authentication for the Digital Ecosystem through Enhanced Tokenization. As a Co-founder of Cyberbeat, he has a singular focus on developing solutions using tokenization that are dynamic, contactless and can also be generated offline. Prashanth will be instrumental in overseeing the Cyberbeat team in Product & Marketing Strategy, setting up & Managing Operations & Strategic Alliances.

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Winston Palma


Winston has over 25 years' in-depth insider experience in the IT financial services industry as a Solutions Architect, specializing in banking and cards and payments having contributed significantly in technology integration of core banking systems and digital channels for institutions including banks, nbfcs and national payment switch, in the Philippines, Malaysia, Thailand, Hong Kong and Brunei. He previously has held consulting engagements for Alltel (Systematics) now part of FIS, for integration work, He was initially employed as Solutions Architect for a Philippine offshore software house with mainframe projects in the US, Belgium and Canada. He then was employed at SDM Inc based in the USA, whose Payments product for the IBM Mainframe (OCM24) ATM switch he helped implement in the Philippines and Malaysia. Winston also developed switch integration modules for a handful of Philippine banks to integrate to the national payment switch Bancnet during its start-up days. Winston's passion in IT especially in integration, has led him to co-found Teligent Systems Inc, initially to build a free email system in the early days of the internet. Eventually Teligent transformed to a Software Systems Integration company to help banks address the Y2K issue, integrate web payments to core banking and switches, and scale up IT solutions, consulting and servicing in the integration and digital transformation space thru APIs. He then co-founded Eteligent Software Solutions Inc with a team of former Banking CIOs to build a local core banking system, for Small to Medium banks and cooperatives in the Philippines. Winston has setup up the JAVA technology framework and foundation of the Core Banking system, based on JAVA Spring using modern architectures enabling the system to be deployed on premise or on cloud and can be integrated using APIs. In today's digital ecosystem and future digital metaverses, a different way of protecting and authenticating online identity that is near hack proof is of paramount importance. In fact, a must. As a co-founder of Cyberbeat, Winston supports the vision of Cyberbeat's' Founder CEO, Rajan S. Narayan of rapid implementation of cost-effective payments as a service solution for financial inclusion pf the unbanked in the Philippines coupled with a more secure but lower cost means of protecting the customers identity and payment credentials while performing digital transactions whether on internet/mobile banking apps or from a wallet. Winston leads Cyberbeat's IT operations & services, business development in Philippines, pre-sales and channels technical support and systems integration to rollout VkenPay and VkenCredence solution on Cyberbeat's Cloud Native SaaS platform on AWS to enable cardholders and bank account holders to protect their login data, card details and account data credentials when performing single or recurring payments and digital banking transactions on the internet as well as offering full payment processing functionality for banks and fintechs.

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Management Team

Management Team

Senior Team members of Cyberbeat family have significant experience in the Payments and Banking industry.

  • Head of Delivery, Implementation and Support is experienced in managing multiple clients including banks, microfinance institutions and processors
  • Consulting team members have considerable experience and exposure engaging in projects led by global services companies such IBM GBS, HP, Accenture and EY etc.

Members of the team are well-experienced in enabling the following business and technology services

  • Digital Transformation & Payment Processing Service
  • Digital Payment Workshops
  • Virtual Dynamic Card for single use or recurring payment
  • Fraud Prevention and Detection solution fully utilizing AI and machine learning capabilities
  • Digital ID and Tokenization solution
  • End-to-end Payment solution implementation, go live to hand holding support


amazing partners

Our amazing partners

Our Memberships & Advisors

Our Membership
& Advisors


Winning the Customers’ trust in the faceless marketplace and the digital world

Apr 02, 2022

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HUMBL Partners with Cyberbeat to Expand into Asia Pacific and Pan-India Vertical Markets

Nov 11, 2019

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Compass Plus teamed up with one of their regional partners, Cyberbeat, on the NCB project

Nov 24, 2019

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