Managing Director

With an MSc in information systems, Mr Jovy has been responsible for developing various parts of acarda’s consultancy business since 2006.

Using his 30 years’ experience in the industry, he is responsible for continued development of our ‘System Integration’ and ‘Products for Financial Service Providers’ services.


Managing Director

Mr Karaca has been advising financial service providers for almost 20 years, and has an MSc in Information Systems.

His key professional and technical focus areas are: optimisation of transaction and booking process, system migration and asset and portfolio administration.


acarda owes its continuing success to the commitment, expertise and dependability of our team, both as individuals and as a tightly knit group. The vast majority of our consultants are university degree holders in informatics, business or physics. Our team is international and we have over 15 years’ experience in our services and solutions. Our team is divided in four different sectors: Client Support, Solutions & Development, Business Consulting and Back Office.


Director IT & Solutions Development