Muhammad Salman is the Founder and Chief Mate of InvoiceMate, a decentralized infrastructure for invoice financing that connects conventional businesses with web3 investors via Invoices as RWAs. ^[1][2][3]

Education

Salman earned a Bachelor's degree in Computer Sciences, Computer Software Engineering from Al Khair University in 1998. He further earned an MBA in International Business from Hamdard University in 2001. ^[4]

He attended the Nobel Manhatten Coach Training in the UK for a Coach Practioner Diploma from 2014 - 2015. From 2015 - 2019, he attended a Virtual University for a Doctor of Philosophy (Ph.D.) in Human Resources Development. He is an Associate Member of CIPFA (The Chartered Institute of Public Finance & Accountancy). ^[4]

Career

Muhammad Salman was a Founding Partner of E-Proz Software House founded in 2000. He founded and served as the CEO of Madni Textiles for 10 years where he led the company in reaching goals and objectives related to sales, productivity & profitability through strategic HR functionality, introduced a Graduate Development Program, etc. ^[5]

After that, he served as the Head of HR & Training at Sitabr LLC and then as a Senior Consultant & Trainer
at AVALINE Holding Corporation. In 2015, he joined Caracal Light Ammunition (CLA) as the Head of L&D, Performance Management & OD where he led the L&D section with key responsibilities of “Learning Management, Performance Management & Organizational Development”, etc. ^[5]

Salman serves as a freelance Speaker/Coach/Trainer & Information Weaver delivering & designing Corporate Training Programs for Aviation Training Center Dubai, Wilson Learning Middle East & FutureTech Saudi Arabia, etc. ^[5]

He has also served as the Chief Strategist of Feelogical Solutions LLC & Blockpreneurs, Chief Relationship Officer (MENA) of Mind AI, Managing Director at Avantas Tech Accelerator, Blockchain Advisor at NeoCeptual, Head of Blockchain Foundation for MENA & South Asia at Confidential, and an Adjunct Trainer ay PwC's Academy Middle East. ^[5]

InvoiceMate

In March 2020, Salman founded InvoiceMate and serves as the Chief Mate of the organization. InvoiceMate is a blockchain-powered Invoice Financing Marketplace and here, Salman leads product design & business development functions overseeing all operations and business activities to ensure the production of the desired results. He also makes investment decisions to advance the business and scale the product building trusted relations with key partners and stakeholders. ^[2][5]

"InvoiceMate is an end-to-end digital invoicing wedge that empowers SMEs with digitization to access finance through a single platform," explains Muhammad Salman Anjum in an interview ^[8]

"We operate on a business model centered around providing invoice financing by acting as a digital intermediary between lenders and SMEs. This easy digital inclusion thus leads to even easier financial inclusion by enabling SMEs access to various forms of credit like invoice discounting, factoring, buy-nowpay-later (BNPL), and supply chain financing. Just like Uber is a platform connecting riders with drivers, InvoiceMate, as a platform, connects financing institutions with SMEs for efficient and safer lending."^[8]

Talks

Future Blockchain Summit

In this interview with Adel, Muhammad Salman, Muhammad Salman Anjum of Invoice Mate discussed his work in the blockchain space. With seven years of experience, Salman is focused on leveraging blockchain to address issues of fraud in enterprise invoicing. His platform combines blockchain's integrity with AI to flag suspicious activities in invoices, particularly benefiting small and micro businesses that struggle with formal credit access. ^[6]

Salman explained that InvoiceMate uses blockchain to ensure data immutability and transparency, which aids in verifying invoices and enhancing trust between parties. The platform also includes a blockchain-powered messenger for secure invoice communication and tracking. Salman advised Web3 founders to focus on building practical business solutions before introducing tokens, advocating for a gradual transition to Web3 technologies. ^[6]

CG Zurich

In a presentation on blockchain adoption, Muhammad Salman discussed the educational aspects of integrating blockchain into conventional businesses through InvoiceMate. He highlighted the challenges with current digital transformation efforts, including data silos, redundancy, and lack of integrity, which blockchain can address by enhancing connectivity and data trustworthiness. Salman emphasized that InvoiceMate aims to bridge the gap between traditional business processes and blockchain technology, offering a comprehensive solution for invoicing that integrates with existing systems while providing added security and efficiency.

Salman outlined Invoice Mate's approach to solving invoicing issues, such as fraud and inefficiency, by leveraging blockchain for end-to-end processing and integrating AI for enhanced functionality. He also touched on the potential for blockchain to support Islamic financing by automating compliance with Sharia principles. The platform is designed to be a bridge between conventional business systems and the emerging crypto space, with a focus on scalability and integration. Invoice Mate is currently in the pre-launch phase, with partnerships and clients in the Middle East, South Asia, and beyond. The ultimate goal is to expand into broader accounting and ERP solutions, continually evolving to meet market needs.^[7]