A Family Founded FinTech

From a young age, Guru Dharam and Har Rai were influenced by a network of people that taught them strong values and the ...

Back in 2015, Guru Dharam and Har Rai Khalsa co-founded MK Decision with the hope of making lending simple for financial institutions nationwide. To better understand what drives them both to succeed in the FinTech industry, we must first travel back in time to Phoenix, Arizona circa 1970.

The two brothers grew up in the heart of Phoenix amongst the oldest Sikh community of Arizona with their parents, Jodha Singh and Gurukirn Kaur Khalsa, and sister, Guru Dev Khalsa, who recieved her master's in architechture from Yale University. Jodha, a dedicated CPA and fearless entrepreneur, and Gurukirn, a gifted artist, care deeply about seeing their community flourish. As a result, they have invested into their local temple, which serves over 500 meals a week and offers childhood education programs.

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From a young age, Guru Dharam and Har Rai were influenced by a network of people that taught them strong values and the importance of building relationships, something neither of them have lost sight of...

...At the age of eight, Guru Dharam traveled from Phoenix, Arizona to Miri Piri Academy, a boarding school in Punjab, India. When Har Rai was eleven, he joined his older brother in India.

“Spirit wise, I’m younger. Four out of five people guess that I’m the younger brother,” Guru Dharam replied. “But, Har Rai was always my little brother until he came to India with me for school. Then, we became more like partners.”...

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...In 2007, Guru Dharam and Har Rai joined forces to create 108 Solutions, a retail finance company that focused on point-of-sale financing for a variety of products, such as electronics, jewelry, and travel.

“Guru Dharam and I are very complimentary. I’m extremely relationship oriented, focused on branding, marketing, and human resources. In comparison, Guru Dharam is fixated on technology, project management, and software engineering.” - Har Rai Khalsa, CEO of MK Decision...

...Guru Dharam and Har Rai aren’t afraid of moving into the void of the unfamiliar. After all, the technological world is full of innovation and promise. They aim to further develop their financial technology to continue building the future of lending.

“All of our efforts are going towards creating a better future. In 10 years, we want MK Decision to be global, but ultimately we want to be known for treating our partners with a level of respect and kindness that they’re not used to receiving.” - Har Rai Khalsa

To learn more about MK Decision, please visit www.mkdecision.com.

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