Kharazmi's competitive advantage lies in the fusion of deep banking experience with innovative capability in the development of technological solutions.

The CEO of Kharazmi Information Technology Development Company, emphasizing the company's position as one of the most experienced and influential entities in the banking information technology ecosystem of the country, stated that Kharazmi's most important competitive advantage is the simultaneous possession of deep operational experience, precise understanding of the banking network's needs, and the capability to design and deliver innovative, localized, and reliable solutions.

According to the Public Relations Department of Mafakher Company, Dr. Mohammad Taghi Saleh, CEO of Kharazmi Information Technology Development Company, stated: "Kharazmi's main competitive advantage should be sought in the rare combination of experience, expertise, and deep understanding of the requirements of the country's banking system – a combination that, through years of continuous and professional activity, has transformed this company into one of the reliable and influential players in the field of banking information technology."

He added: "Kharazmi is not merely a provider of technological services or products. Backed by its track record of activity, it has achieved a precise understanding of the needs, concerns, and priorities of banks and financial institutions. This very fact has caused the solutions provided by this company to be of the nature of real, practical responses appropriate to the country's banking ecosystem."

The CEO of Kharazmi Information Technology Development Company, stating that the trust formed between the company and its customers is one of Kharazmi's most important strategic assets, clarified: "In the banking industry, stability, security, reliability, and service continuity are decisive components, and Kharazmi has been able to present a defensible and professional track record in these areas. From this perspective, our competitive advantage is not limited to technical knowledge, but finds meaning in the ability to transform this knowledge into sustainable, secure solutions that comply with the operational requirements of banks."

Saleh continued: "Another distinguishing aspect of Kharazmi is its simultaneous focus on innovation and executive realism. In a situation where the banking information technology industry is evolving at an increasing pace, success belongs to companies that can both see future horizons and respond to current customer needs with precision and responsibility."

He added: "Kharazmi has tried to maintain this balance – meaning that while paying serious attention to modern technologies, it also takes into account local requirements, operational constraints, and the real expectations of banks in designing and deploying solutions."

Mohammad Taghi Saleh noted: "Specialized, committed human capital familiar with the complexities of the banking sector is another of Kharazmi's competitive advantages. Undoubtedly, developing effective solutions in the banking industry is not achieved solely by relying on tools and technology, but requires a team that understands both the language of technology and the logic of banking business correctly. Fortunately, this valuable capacity has been formed at Kharazmi and serves as one of the main pillars of the company's growth and differentiation."

The CEO of Kharazmi Information Technology Development Company emphasized in conclusion: "What distinguishes Kharazmi today in the competitive landscape of the banking information technology industry is the company's ability to provide reliable, localized, scalable solutions based on a real understanding of banks' needs."

He stressed: "We believe that sustainable competitive advantage is formed not through claims, but through the ability to create continuous value for customers, and Kharazmi pursues this path by relying on experience, innovation, professional commitment, and a forward-looking vision.

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عباس نوری زاده با سمت: رئیس هیئت مدیره به نمایندگی شرکت کارت ایران
تحصیلات: دکتری مدیریت کارآفرینی فناورانه
تاریخ عضویت در هیئت مدیره: 1404/11/29
سابقه کاری: 

سید صابر امامی با سمت: عضو هیئت مدیره به نمایندگی از شرکت پیشگامان فناوری های نوین صاد (سهامی خاص)
تحصیلات: دانشجوی دکترای کار آفرینی گرایش بین الملل
تاریخ عضویت در هیئت مدیره: 1401/06/06
سابقه کاری: 
· مدیرعامل و نائب رئیس هیئت مدیره هلدینگ سرمایه گذاری فناوری عصر امین کارآفرین(1400)
· مدیرعامل و نائب رئیس هیئت مدیره هلدینگ گسترش الکترونیک مبین ایران (1399)
· مشاور رئیس سازمان نظام صنفی رایانهای استان تهران (1399)
· رئیس کمیسیون خدمات محتوایی و ارزش افزوده نظام صنفی رایانهای استان تهران (1397)
· نائب رئیس کمیسیون فناوری اطلاعات و ارتباطات اتاق مشترک بازرگانی ایران و عراق(1397)

حمید رجبی با سمت: عضو هیئت‌‌مدیره به نمایندگی از شرکت داده پردازی خوارزمی (سهامی خاص)
تحصیلات: کارشناسی ارشد مدیریت فناوری اطلاعات
تاریخ عضویت در هیئت مدیره: 1403/04/16
سابقه کاری: 
· رئیس اداره کل سامانه‌های عملیات بانکی بانک صادرات ایران
· رئیس اداره کل مهندسی نرم‌افزار بانک صادرات ایران
· رئیس اداره کل انفورماتیک بانک صادرات ایران
· رئیس اداره کل تحقیقات و برنامه‌ریزی بانک صادرات ایران

اسد الله همتی با سمت: سرپرست شرکت و عضو هیئت مدیره (مفاخر)
تحصیلات: کارشناسی مدیریت - مدیریت امنیت ملی
تاریخ عضویت در هیئت مدیره: 1405/03/16
سابقه کاری: 
· عضو هیئت مدیره، مشاور مدیر عامل و مدیر کل حراست شرکت ارتباطات زیر ساخت کشور
· عضو هیئت مدیره  شرکت راهبری صنایع بهساز بانک ملت
· عضو هیئت مدیره، مشاور مدیر عامل و مدیر امور استانها شرکت خدمات ارتباطـی و الکترونیکـی ایرانیـان نت
· مدیر کل بازرسی، ارزیابی، عملکرد و پاسخگویی به شکایات شرکت ارتباطات زیر ساخت کشور
· رئیس هیئت مدیره شرکت امن خدمات تراکنش بانک ملت
· عضو هیئت مدیره شرکت باشگاه مشتریان بانک گردشگری
· عضو هیئت مدیره مؤسسه فرهنگی، ورزشی، رفاهی پیام وزارت ارتباطات

محمد حسین خُروطی با سمت: نائب رئیس هیئت مدیره به نمایندگی از شرکت داده و هوش مصنوعی الگوریتم (سهامی خاص)
تحصیلات: دکتری مدیریت بازرگانی _ سیاست گذاری بازرگانی
تاریخ عضویت در هیئت مدیره: 1403/06/10
سابقه کاری: 
· رئیس هیئت مدیره و معاون توسعه مدیریت شرکت خدمات هوشمند نسل چابک
· عضو هیئت مدیره شرکت خدمات همراه آیسان لوتوس
· مشاور مدیرعامل داده ورزی سداد (بانک ملی)
· مشاور مدیرعامل به پرداخت ملت (بانک ملت)
· مدیر بازرسی شرکت توسعه دیدار ایرانیان (بانک دی)
· مدیر منطقه کیش شرکت ایساکو کیش (ایران خودرو)

Hamid Rajabi – Position: Board Member (representing Kharazmi Data Processing Company – Private Joint Stock)
Education: Master’s degree in Information Technology Management
Date of Board Appointment: July 6, 2024 (1403/04/16)
Professional Experience:
· Head of the Banking Operations Systems Department, Bank Saderat Iran
· Head of the Software Engineering Department, Bank Saderat Iran
· Head of the Informatics Department, Bank Saderat Iran
· Head of the Research and Planning Department, Bank Saderat Iran
Abbas Nourizadeh – Position: Chairman of the Board (representing Kart-e Iran Company)
Education: PhD in Technology Entrepreneurship Management
Date of Board Membership: February 18, 2026
Work Experience:
Mohammad Hossein Khorouti – Position: Vice Chairman of the Board of Directors (representing Algorithm Data and Artificial Intelligence Company – Private Joint Stock)
Education: PhD in Business Administration – Business Policy
Date of Board Membership: September 1, 2024 (1403/06/10)
Work Experience:
· Chairman of the Board and Deputy of Management Development at Agile Generation Smart Services Company
· Board Member at Aysan Lotus Mobile Services Company
· Advisor to the CEO of Dadvarzi-e Sadad (Bank Melli)
· Advisor to the CEO of Behpardakht Mellat (Bank Mellat)
· Inspection Manager at Didar Iranian Development Company (Day Bank)
· Kish Regional Manager at Isaco Kish Company (Iran Khodro)
Asadollah Hemmati – Position: Acting CEO and Board Member (Mafakher)
Education: Bachelor’s Degree in Management – ​​National Security Management
Date of Board Membership: June 6, 2026
Work Experience:
· Board Member, Advisor to the CEO, and Director General of Security at the Infrastructure Communications Company (ICC)
· Board Member at Behsaz Industries Management Company (Bank Mellat)
· Board Member, Advisor to the CEO, and Director of Provincial Affairs at Iranian Net Communication and Electronic Services Company
· Director General of Inspection, Performance Evaluation, and Complaint Handling at the Infrastructure Communications Company (ICC)
·Chairman of the Board at Amn-e Khadamat-e Tarakonesh Company (Bank Mellat)
· Board Member at the Tourism Bank Customer Club Company
· Board Member at the Payam Cultural, Sports, and Welfare Institute (Ministry of Communications)
Seyyed Saber Emami – Position: Board Member representing Pishgaman-e Fanavari-haye Novin-e Sad Company (Private Joint Stock)
Education: PhD candidate in Entrepreneurship (International specialization)
Date of Board Appointment: August 28, 2022 (1401/06/06)
Professional Experience:
· CEO and Vice Chairman of the Board, Asr-e Amin Karafarin Technology Investment Holding (2021)
· CEO and Vice Chairman of the Board, Mobin Iran Electronics Development Holding (2020)
· Advisor to the Head of the Tehran Province Computer Trade Organization (2020)
· Chairman of the Content Services and Value-Added Services Commission, Tehran Province Computer Trade Organization (2018)
· Vice Chairman of the Information and Communication Technology Commission, Iran-Iraq Joint Chamber of Commerce (2018)

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