Chairman, I-Clique Group of Companies Maruf Alam (born 27 November 1976) is a Bangladeshi entrepreneur and business leader with extensive experience spanning banking technology, electronic payment systems, IT infrastructure, healthcare solutions, and specialized industrial services. As Chairman of I-Clique Group of Companies, he leads a diverse portfolio of businesses, with a strong focus on technological innovation, strategic partnerships, and the delivery of specialized solutions to the banking, healthcare, and industrial sectors. Education and Professional Journey Maruf graduated from the University of South Alabama, Mobile, Alabama, USA, in 1998, earning a Bachelor of Science in Business Administration with a concentration in Operations and Systems Management. He began his professional career in the United States, working part-time at AmSouth Bank in Mobile, Alabama, during 1997–1998. Upon returning to Bangladesh, he joined a joint-venture enterprise involving IFS International, USA, and a reputed local company specializing in banking IT infrastructure and alternative delivery channel transaction-processing solutions. This early experience provided him with valuable exposure to the rapidly evolving intersection of banking, information technology, and electronic financial services. Entrepreneurship and Technological Innovation In 2008, Maruf embarked on his entrepreneurial journey by establishing his own venture alongside a select group of partners. The business focused on advancing IT infrastructure and developing specialized solutions for the banking and financial services industry. Among the venture’s pioneering initiatives was the development of an Electronic Funds Transfer (EFT) Switch and a Card Management System, designed to address the evolving technological requirements of the banking sector. Today, the Group’s Card Management System is used by multiple private-sector banks in Bangladesh to support their card operations. This milestone reflects Maruf’s commitment to developing locally driven technological capabilities and delivering solutions tailored to the needs of the country’s financial institutions. Leadership at I-Clique Group of Companies As Chairman of I-Clique Group of Companies, Maruf oversees a diversified portfolio of businesses and remains actively involved in strategic business development, technology implementation, consultancy, and international partnerships. His areas of professional involvement include Payment Card Industry Data Security Standard (PCI DSS) audit-related services, Card Management System implementation, EMV payment card sales, payment tokenization, centralized EMV card issuance solutions, and specialized consultancy for banks and financial institutions. Through the Group’s representation of several multinational companies, Maruf facilitates access to international technologies, products, and expertise for the Bangladeshi market. The Group also represents THALES, France, in the delivery of high-security, EMV-based chip card solutions and related services, including consultancy, tokenization, and wearable payment products. Healthcare and Medical Solutions Beyond financial technology, Maruf has expanded his business interests into the healthcare sector. He is actively involved in the trading and servicing of healthcare and medical products and the provision of related services to hospitals and healthcare institutions throughout Bangladesh. This business vertical reflects the Group’s broader commitment to serving essential industries through specialized products, technical expertise, and service-oriented business solutions. Flowco Bangladesh Advancing Fuel-Tank Cleaning Technology One of the latest ventures within I-Clique Group of Companies is Flowco Bangladesh, which operates in the specialized field of tank and fuel-tank servicing. The venture utilizes patented technology associated with Larry O’Brien (LOB) Tank Cleaning Services to address the challenges of fuel-tank contamination and maintenance. Its services are designed to remove sludge, water, waste, and other hazardous residues from fuel tanks while also cleaning and polishing the oil contained within them. By employing advanced tank-cleaning technology, Flowco Bangladesh aims to support improved tank maintenance, operational efficiency, and the management of contamination-related risks in fuel storage and handling operations. Leadership and Chamber of Commerce Engagement In addition to his entrepreneurial and corporate responsibilities, Maruf has contributed to the development of international business relations between Bangladesh and France. He served as President of the France Bangladesh Chamber of Commerce and Industry (CCIFB) from March 2018 to March 2020. During his tenure, he held a leadership role within the business community, contributing to the Chamber’s mission of fostering commercial engagement and strengthening economic ties between the two countries. Community Leadership and Engagement In addition to his corporate responsibilities, Maruf Alam actively contributes to community development through his involvement with Gulshan Youth Club Limited, where he serves as a Member of the Executive Committee. His participation reflects his commitment to community engagement, organizational leadership, and the advancement of social and recreational initiatives. A Commitment to Innovation and Growth Throughout his career, Maruf Alam has pursued opportunities at the intersection of technology, business development, and strategic partnerships. From pioneering electronic payment infrastructure in Bangladesh to expanding into healthcare solutions and specialized industrial services, his professional journey reflects a commitment to diversification, innovation, and long-term business growth. As Chairman of I-Clique Group of Companies, he continues to focus on building business relationships, introducing specialized technologies to the local market, and developing solutions that respond to the evolving needs of Bangladesh’s banking, healthcare, and industrial sectors.