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S. Mohsen Shahmoradi

S. Mohsen Shahmoradi

Deputy of Operations & Support — Hamfekran Fanavari Sharif
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M.Sc. in Financial Management, University of Tehran. Skilled in financial modelling, advanced Excel for finance, management reporting and financial data analysis; familiar with business intelligence (BI), management dashboards and ERP systems, and developing Python skills. Precise, accountable and results-driven.

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S. Mohsen Shahmoradi's blog → (32 posts)

Key financial KPIs: the dashboard every finance manager needsFinance leaders need a few accurate, timely indicators that show financial health at a glance.Integrating petty cash with accounting software: from receipt photo to journal entryManual transfer of petty-cash expenses causes errors and delays; integration automates and traces the path.Petty-cash policy and approval workflowsPetty cash without clear rules breeds discrepancies; written policy and system approvals create transparency.AI receipt reading: the end of manual expense entryOCR and machine learning extract receipt data in seconds, removing manual-entry errors.Smart contracts: uses, limits and legal considerationsSmart contracts automate obligations, but code bugs and legal ambiguity can be costly.Cross-border payments: challenges and new approachesInternational transfers remain slow and costly; new technology and regional cooperation aim to reduce friction.E-wallets: role, regulation and opportunities in the payment systemE-wallets simplify micro-payments, but operate within central-bank rules.Operational budgeting and cost control: from plan to real-time monitoringA budget matters only if execution is tracked continuously; technology exposes the gap between plan and reality.Corporate liquidity management: cash-flow forecasting and lower funding costsCash shortages can sink even profitable firms; accurate forecasting is the main defence.Asset tokenisation: the future of digital ownership and capital marketsTokenisation turns real assets into tradable digital units and widens access to investment.Iran’s card payment network: the architecture of Shetab and ShaparakShetab and Shaparak form the backbone of Iran’s electronic payments; understanding them is essential for any payments business.Internal control and continuous auditing: technology’s role in preventing financial fraudInstead of periodic sampling, continuous auditing evaluates every transaction automatically and in real time.Digital BNPL: a sales opportunity and a debt riskBuy now, pay later lifts online sales, but without proper scoring it can lead to accumulated debt.E-invoicing and the taxpayer system: are businesses ready?With mandatory e-invoices, financial software must connect to the taxpayer system. Early preparation avoids penalties.Retail payments, PAYA and SATNA: how settlement worksBehind every interbank transfer are systems that set settlement time and cost. Understanding them is essential for financial product design.Digital rial: goals and open questionsA central bank digital currency could make payments more efficient, but privacy and the role of banks remain open questions.QR payments: an opportunity for small merchantsQR payments lower acceptance costs for small businesses, but security and UX must be taken seriously.Controlling running costs under inflation with smart petty cashUnder high inflation, small frequent expenses spiral. Real-time capture and limits stop budget leakage.E-wallets and central bank oversightE-wallets speed up micro-payments; the regulator sets rules on KYC tiers, balance limits and settlement.Buy now, pay later in Iran: fast growth and regulatory questionsBNPL services are spreading quickly; what they offer merchants and which risks need managing.Digital rial: national money in digital formThe Central Bank of Iran has piloted a centrally issued digital rial. How does it differ from crypto and bank wallets?Singapore’s Project Guardian: Testing Asset Tokenisation with IndustrySince 2022 the Monetary Authority of Singapore has worked with major institutions to pilot tokenised bonds, funds and payments.FedNow: The US Federal Reserve’s Instant Payment ServiceThe Federal Reserve launched FedNow in July 2023 so banks of all sizes can offer instant payments.The Digital Euro: Where Does the ECB Stand?The ECB has been designing a digital euro, a digital form of cash for everyday payments.Project Agorá: Tokenised Bank and Central Bank Money on One PlatformThe BIS, seven central banks and dozens of private firms are testing whether tokenisation can improve cross-border payments.Mobile Money: Financial Services for the UnbankedIn many developing economies, mobile money has become the main way people pay and save.Brazil’s Pix: The Instant Payment System Built by a Central BankLaunched by Brazil’s central bank in 2020, Pix made free instant payments an everyday habit.India’s UPI: How Public Payment Infrastructure Changed PaymentsIndia’s Unified Payments Interface enables instant interbank payments with simple identifiers and has become one of the world’s most used payment systems.The G20 Roadmap for Cheaper, Faster Cross-Border PaymentsThe FSB has set quantitative 2027 targets for cost, speed, access and transparency in international payments.Project mBridge: Testing Cross-Border Payments with CBDCsSeveral central banks, with the BIS, built a shared platform for instant cross-border settlement in central bank digital currency.Fast Payments: Infrastructure for Economic GrowthThe World Bank explains what defines fast payment systems and how they boost growth and inclusion by freeing up liquidity.Central Bank Digital Currencies: 91% of Central Banks Are ExploringA BIS survey of 93 central banks shows CBDC work remained strong in 2024.

HFS team

Farzad DidehbazParsa AghabarariMehdi Mansour SamaeiAhmadreza Ahmadi