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Xavier Gregory Layre is the CEO of FlexxPay, leading the transformation and expansion of the Fintech Startup. As the Managing Director of iPay, Xavier Gregory oversees the company's growth and innovation initiatives in the UAE & KSA. Additionally, Xavier is the Founder & Managing Partner of KinetiKx, a management consulting firm specializing in Digital Transformation. With a background in digital technology and telecoms, Xavier has a wealth of experience in leadership and strategic development within the industry.