Slide Digitally Disrupting One Village at a time in the unserved regions of the world... The Financial World We are ready to start a project of any complexity. Cantact us now!

SMRN or Smartag International, Inc.,

is a holding company specializing in companies with global operations between Southeast Asia and the United States. It seeks to acquire companies in Southeast Asia looking to expand operations in the United States. Additionally, the company has existing technology operations in the areas of mobile Fintech, e-Commerce, e-logistics, mobile remittances and e-wallet systems


Consulting on AI first Cloud first strategy to drive company into digital transformation adoption.

Digital Analytics

We use data science to assist organization turn their data into data driven approach.

Business Applications

The line of business is the backbone for every business. We help to advice on right solution
implementation to optimize return.

Technology Services

We able to build custom development based on business needs.

Who We Are

We are a global Fintech (financial technology) company bringing financial accessibility and technology to the poor and unbanked peoples of the world – which represents the last mile in global connectivity. We bring e-Wallet, e-Remittance services, Micro-finance, and e-Commerce to a sizable unbanked population in rural Asia and Africa. We are building a financial and trading ecosystem that improve living standards of the millions of rural poor and at the same time add value to our investors and partners.

Smartag plans to provide easy access to financial services can help many of rural poor protect their earnings, weather personal financial crises, send and receive payments. They may also have access to microfinance to better manage their farms and small businesses. By digitally connecting communities together with one another and to financial services providers, government services, businesses and innovations we hope to improve the livelihood of the rural poor and at the same time reduce the amount of time and money they must spend to conduct financial transactions

Why We Are Different

A team who has an average of 10 years working experiences in IT from broad industry and move on into innovation that looking toward focus on AI First, Cloud First. We work with individuals, teams, and organizations to ensure building a better solutions to optimize their process and business improvement.



We have passionate in AI, data sciences, and technology that keen to bring more value to the
business world.



AI and cloud computing are the future trend, and being a pioneer in this field is part of our
passion to drive business innovation.


Data Driven

Data is fundamental of digital transformation. With data, company could stay competitive on how they could turn data into fuel which identify hidden gem that create insights.



We love to integrate technology & business for automated solution and solve complex problem to help people.

Highly Qualified Team

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Lock Sen Yow


Locksen has three qualifications in 3 different disciplines, including in Electrical and Electronic Engineering from the University of Manchester, U.K., BSc; Bachelor of Laws from University of Buckingham, U.K. LL.B & Barrister-at-Law, England and Wales; Advocate & Solicitor (High Court of Malaya), Advocate & Solicitor (Supreme Court of Singapore) as well as in Finance (MBA- finance) from RMIT University, Melbourne Australia with Distinction in Advanced Corporate Finance and Risk Management.

His first job was as an international petrophysical engineer in Schlumberger, spending 8 years including in the UK, Egypt, Abu Dhabi, India, Brunei, Indonesia, Taiwan, the Philippines and Australia. After his law degree and admission to the Bar in the UK, he practiced in Malaysia, Indonesia and Singapore whereupon in 1995, he was made partner in one of the largest legal firms in S.E Asia out of Singapore. Also served previously legal consultant to the Jakarta Stock Exchange & Kuala Lumpur Stock Exchange. In his 30s he ventured into fund management and corporate finance and was a director of corporate finance for a major European Investment Bank looking after South-east Asian private equity investments. Subsequently he started his own IT business (SMTrack Bhd) and managed to get it listed on the Malaysia Stock Exchange before he sold out and ventured into the USA as CEO of Smartag International, Inc.

SH Lau 2

S. H. Lau


S.H. Has An MBA And Been Very Active In International Business For Over 30 Years. In The Last 25 Years He Was Involved In A Few Technology Startups In The Silicon Valley, CA, Where He Successfully Exited From One Of Them. Served In Various Capacities From CEO, VP Of Sales & Marketing, Business Development. He Is Also Active In Non Profit Organizations Involved In Microfinances And Helping At Risks Individuals And Families Develop Sustainable Livelihood
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Winsen Tan


Winsen has 15 years of technical, operations and managerial experience in implementing large scale ICT projects in Malaysia as well as overseas in Indonesia and China. He was involved to manage, design and implement automated container clearing system for Container Ports to provide paperless automated container verification and automated truck clearance. He participated as industry expert in Global Standard 1 (GS1) to promote Electronic Product Code Information Services (EPCIS) adoption in Malaysia. He also participated in Celcom Aircash Cashless Ecosystem research and development.

An expert in Cloud, RFID, Blockchain and e-Commerce, he joined SMTrack Berhad as Technical Operation Director and promoted as Vice President. He was involved to lead the development and implementation of Secured Trade Facilitation System using RFID for Royal Malaysian Customs Department. Winsen has a degree of Bachelor of Information Technology (Hons) Information System Engineering, University Tunku Abdul Rahman.


Sunder Lama

UK & Nepal marketing General Manager

Sunder brings a varied experience in engineering and the business sector. His business expertise ranges from start-ups to M&A in various capacities. He has worked with General Electric (GE) Aviation, as well as suppliers of global aerospace companies, i.e. Airbus & Boeing in the UK & Europe.

He also serves on the board of a renewable energy project in Asia, and he is passionate about connecting emerging technologies with business opportunities. Sunder has earned his MSc in Aerospace Vehicle Design from Cranfield University, UK.

Get In Touch!

We are looking forward to start a project with you!


3651 Lindell Road, Suite D269,
Las Vegas, Nevada, 94102, USA


USA +1 (310) 499 67 30
Malaysia +60 19 386 7682