Tay Beng Lock graduated with a Bachelor of Engineering (Electrical with Distinction) from Carleton University, Ottawa, Ontario, Canada in 1984. He started his career as Sales Engineer in Mecomb Sdn Bhd, a subsidiary of Sime Darby, selling Test & Measurement instrumentation and system to the electrical and electronic industries. He joined Hewlett-Packard Sales Malaysia’s Test & Measurement Division as a Staff Field Engineer in 1986, and had four promotions to rise to the position of Business Manager (Country Head) of Test & Measurement Division in 1990. He joined Delteq (M) Sdn Bhd, an IT system integrator company, as Director and General Manager in 1992. He later left for UK in 1995 to further his study and graduated with MBA (the only Distinction student in the class of 100) from Middlesex University, London, UK in 1996. Upon returning to Malaysia, he joined GHL Automation Sdn Bhd as General Manager in 1996, later assumed the position of Managing Director of GHL Technologies Sdn Bhd in 1997. He is instrumental in the restructuring of GHL Group of Companies, first by closing down three businesses; IT Distribution, IT Retailing (Computerland) and IT Training, second by doubling the IT System Integration business and later sold it to Jardine Group in 2000, and lastly focusing in payment industry starting in 1999. As the Group Managing Director, he is one of the key persons responsible for the growth and leadership of GHL Systems Berhad in payment industry, listed GHL Systems Berhad in MESDAQ, Bursa in 2003, migrated to Mainboard, Bursa in 2007. He decided for early retirement in 2011 at the age of 50, when there are changes in major shareholders in GHL Systems Berhad. He is now the owner and director of PM Advisors Sdn Bhd, starting operation in March.2014.