France · Costa Rica · Dubai, UAE
Native in Spanish and French, fluent in English. 15+ years in fintech and payments, from Costa Rica to Dubai.
French and Costa Rican, based in Dubai
- 15+years in fintech and payments
- 8+years as CTO: Kash, Qashio, Kulu
- 2nationalities: French and Costa Rican
- 3languages: Spanish, French, English
- OxfordCyber Security for Business Leaders, 2023
- Founder GraduateThe Founder Institute (fi.co)
Drag to browse, click a video to play it.
El rol del CTO en la era de la IA, Fintech y el mercado en DubaiListen on DataLatam
Qashio wants to transform corporate expense management in MENARead on IncArabia
Facephi enters KSA and UAE, opening its first Middle East market with fintech QashioRead on FacephiQashioNew Fintech CTO - UAEEric joins us today as Chief Technology Officer, all the way from Latin America!
¡Nuestros mejores deseos, genio!Creando un producto tan grande como Kash y cimentando sus bases para el crecimiento.
Aplicación financiera ayuda a facilitar trámites con dineroRead on Repretel, Canal 6
Kash llegó para revolucionar el mercado de pagos electrónicosRead on La Nación
Seguridad y rapidez: la nueva manera de transferir con KashRead on CRHoy
Nueva app Kash permite transferir dinero sin comisionesRead on Teletica
Startup crea aplicación 'Güenas' para agilizar ingreso a condominios y a edificios corporativosRead on El Financiero
Seis emprendedores se gradúan de The Founder Institute Costa RicaRead on El Financiero
Costa Rica, suelo fértil para los startupsRead on Estrategia & NegociosWho is Eric de La Goublaye?
I'm Eric de La Goublaye de Menorval, a fintech CTO (Chief Technology Officer) based in Dubai, United Arab Emirates. French and Costa Rican, with 15+ years in fintech and payments. CTO since 2018: Kash, then Qashio, and Kulu today.
What does a fintech AI CTO do?
I build and run the engineering teams that move money: payments, card issuing, wallets and corporate cards, with the security and compliance regulators expect. And I make engineering AI-native: at Kulu, AI agents take a customer complaint to a reviewed pull request in under an hour.
Where has he launched fintech?
In the UAE, Saudi Arabia and Europe with Qashio: real-time Visa card issuing, Fintech Solution of the Year 2023. In six countries of Central America with Kash, from Guatemala to Panama: 2M+ downloads. From Dubai into West Africa with Kulu: 1M+ wallet users.
How do I get in touch?
On LinkedIn, the fastest way to reach me. I'm based in Dubai and work in English, Spanish and French.
Costa Rica · USA · China · Malaysia
9 yearswith teams in four countries
Where I learned to measure against world-class benchmarks, and to beat them.
- 9years at Intel
- 4countries with teams: Costa Rica, USA, China, Malaysia
Step 1
Teams in four countries
Costa Rica, the USA, China and Malaysia, held to one standard.
San José, Costa Rica
My own company, incubated by The Founder Institute and Telefónica Open Future. We built güenas, access control for condominiums and corporate buildings, plus wasa.app, EntreRedes and Oasis.
- 4products: güenas, wasa.app, EntreRedes, Oasis
- Telefónicaincubated by Open Future
Costa Rica · Central America
2M+downloads in 6 countries
It started with a bank that wanted customers from another sector. The idea was simple to say and hard to build: send money from one debit card to another, in real time, without account numbers. First inside one country.
- 2M+downloads in 6 countries
- 100%serverless on AWS Lambda
- Visa · MastercardVisa Direct and Mastercard Send, domestic and cross-border
- 6countries, from Guatemala to Panama
Drag to browse, click a video to play it.
Nueva app Kash permite transferir dinero sin comisionesRead on TeleticaSeguridad y rapidez: la nueva manera de transferir con KashRead on CRHoyKash llegó para revolucionar el mercado de pagos electrónicosRead on La NaciónAplicación financiera ayuda a facilitar trámites con dineroRead on Repretel, Canal 6¡Nuestros mejores deseos, genio!Creando un producto tan grande como Kash y cimentando sus bases para el crecimiento.Step 1
Bank transfers cost a fee
Almost everyone had a debit card. Moving money to another bank meant a fee, or a line at the branch to deposit cash.
Step 2
Card to card, local first
Card to card inside Costa Rica, in real time, over Visa and Mastercard rails. Limits started low and grew as each user passed ID and card-ownership checks, so nobody hit a KYC wall on day one.
Step 3
Six countries, one serverless platform
Then cross-border, with Visa Direct and Mastercard Send. 100% serverless on AWS Lambda, so cost followed volume instead of servers.
The result
Kash proved card-to-card transfers could work across six countries on a serverless budget.
Dubai · Saudi Arabia · Europe
3markets with real-time Visa card issuing: UAE, Saudi Arabia, Europe
In 2022 I moved from Costa Rica to Dubai. New continent, new customer: companies instead of consumers, and a corporate card platform to build from pre-production.
- 3markets with real-time Visa issuing: UAE, Saudi Arabia, Europe
- 100+NESA security controls, designed in
- 50+people in the technology team
- Apple Pay · Google Payvirtual corporate cards, ready in seconds
- 2023Fintech Solution of the Year
Qashio wants to transform corporate expense management in MENARead on IncArabiaFacephi enters KSA and UAE, opening its first Middle East market with fintech QashioRead on FacephiQashioNew Fintech CTO - UAEEric joins us today as Chief Technology Officer, all the way from Latin America!
Step 1
Cards issued in real time
A company issues virtual Visa cards on the spot, one per employee or project, ready for Apple Pay and Google Pay.
Step 2
Budgets, rules and the ERP
Every card gets a budget and rules. Every transaction lands in the customer's ERP (Oracle NetSuite, SAP, QuickBooks, Xero or Zoho Books), so finance teams stop reconciling by hand.
Step 3
Three markets, three rulebooks
UAE first, with 100+ NESA security controls designed in, not bolted on. Saudi Arabia fully on-premise, since there was no local cloud then. Europe issuing from Ireland.
The result
Qashio went live in three markets with real-time card issuing, and was named Fintech Solution of the Year in 2023.
Dubai · West Africa
<1 hfrom a customer complaint to a reviewed pull request
Kulu is where AI came into the team itself. A digital wallet with 1M+ users, about 100 people across in-house and partner teams, and an agentic platform in production for more than a year.
- 1M+wallet users
- <1 hfrom a customer complaint to a reviewed pull request
- ~5xengineering output
- ~100people across in-house and partner teams
Step 1
AI moved the bottleneck
Writing code stopped being the slow part. So we moved AI to where the bottleneck went: review, testing and understanding how people use the product.
Step 2
From ticket to pull request
An agent picks up a support ticket or a Sentry error, investigates through session replay, logs and a read-only database, and opens a pull request with tests.
Step 3
A second agent reviews first
Before any human looks, a second agent tries to break the change. Guardrails no agent can skip: test gates, Gitleaks, Checkov, GitGuardian and Snyk.
Step 4
The impact, measured
About 5x engineering output, under an hour from complaint to reviewed fix, and AI spend tracked with FinOps alerts.