The collapse of the breakaway tour concludes a volatile period of financial disruption in professional golf.
Koin appoints Hemash Bhatti to lead its AI and data strategy, signaling a strong pivot towards leveraging intelligent data for enhanced customer experiences and operational efficiency. Bhatti brings 15 years of experience, including work with major consumer brands, to drive the company’s ambitious growth trajectory.

In a move underscoring the escalating importance of sophisticated data analytics and artificial intelligence in the financial technology landscape, Koin, a burgeoning force in cashless solutions, has announced the appointment of Hemash Bhatti as its new Head of AI and Data Strategy.
This newly established role signals Koin’s determined pivot towards a future where data is not merely collected but intelligently leveraged to sculpt customer experiences and drive operational efficiencies within the highly regulated realms of retail and online gaming.
Bhatti arrives at Koin with an impressive fifteen-year tenure marked by a consistent track record of building and scaling high-impact data and analytics practices.
His experience spans a diverse array of Fortune 500 brands, where he was instrumental in orchestrating technological transformations and deploying data-driven solutions that translated directly into tangible business results.
This background positions him as a pivotal figure in Koin’s ambitious growth trajectory, suggesting a future where every transaction and interaction is optimized through algorithmic insight.
Before joining Koin, Bhatti honed his expertise leading data strategy and analytics at Apply Digital.
There, he was tasked with expanding the company’s data practice for an enviable roster of leading consumer marketing giants, including the NBA, Kraft, Coca-Cola, and Disney.
This exposure to high-volume consumer data and complex marketing ecosystems provides a robust foundation for his new challenge at Koin.
His responsibilities at Apply Digital were comprehensive, encompassing the management of analytics and data engineering teams, the development of discipline strategies spanning data collection, transformation, storage, management, and activation, and the leadership of multi-disciplinary data initiatives across sectors as varied as automotive, food and beverage, fintech, consumer electronics, and ecommerce.
Among his most notable accomplishments, Bhatti designed and launched Apply Digital’s inaugural digital personalization program for a global food and beverage conglomerate.
This initiative, which scaled across five brands in its first year, yielded significant growth in customer engagement and, crucially, first-party data collection – a gold standard in today’s privacy-conscious digital economy.
More recently, he spearheaded the design and deployment of an advanced AI-powered customer segmentation tool.
This sophisticated system not only boosted contextual customer trait collection by an astounding 140% but did so with an accuracy rate exceeding 90%, a testament to his rare blend of strategic foresight and meticulous technical execution.
Such achievements are not just impressive on paper; they represent the kind of real-world impact that Koin aims to replicate and elevate within its own ecosystem.
Koin President Gary Larkin’s endorsement of Bhatti speaks volumes about the company’s strategic direction.
“Hemash’s track record in data strategy and the ethical application of AI aligns perfectly with our vision for Koin’s next phase of growth,” Larkin stated.
The emphasis on the “ethical application of AI” is particularly poignant in the gaming and payments sectors, where data security, consumer trust, and regulatory compliance are paramount.
Bhatti’s proven ability to leverage data for genuine transformation and client impact will be instrumental as Koin continues to scale its data management and analytics capabilities, ultimately benefiting both its customers and partners.
Koin, founded in 2021 by Gary Ellis and Gary Larkin, has rapidly positioned itself as an advanced entertainment and lifestyle payment solution, specifically tailored to the unique and often stringent demands of the regulated retail and online gaming markets.
Its strategic long-term partnership with Euronet Worldwide, Inc., a global leader in advanced payment technologies, provides Koin with significant resources and technological backbone.
This collaboration allows Koin to offer clients a complete, fully integrated payment ecosystem designed to deliver unprecedented cost efficiencies while empowering end users with seamless, fully portable digital solutions to pay, play, or buy anywhere, anytime.
In an industry where the shift to cashless is not just about convenience but about the intelligent capture and utilization of transactional data, Bhatti’s appointment is more than just a personnel change; it’s a declaration of intent.
His expertise in transforming raw data into actionable intelligence will be critical in enabling Koin to deepen its understanding of consumer behavior, enhance risk management protocols, and personalize user experiences in ways previously unimaginable.
As the gaming, hospitality, and entertainment industries continue their rapid evolution towards digital-first operations, Koin’s investment in top-tier AI and data leadership signals its commitment to not just participate in this transformation but to lead it.
The era of the truly intelligent cashless payment system is dawning, and Koin, with Bhatti at the helm of its data strategy, is positioning itself at the forefront.
The collapse of the breakaway tour concludes a volatile period of financial disruption in professional golf.