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Raymond Gabriel – Chief Executive Officer

Raymond Gabriel is a serial entrepreneur who has built a few companies specializing in various fields, from marketing consultancy, Strategic management to social entrepreneurship. One of them, People Systems, which he helped transform from a small start-up in Malaysia to a regional multinational which now has branches in Indonesia, Philippines and Laos. Revenues from People Systems reached 8 figures in 2019 regionally.

He started Createtec, a fintech company, with a strategy to give unique value to financial institutions and organizations with a large customer/member base, at an affordable price. He developed a disruptive strategy to capture and scale market share fast. Raymond always focuses on win-win value creation that works both for large companies and also the businesses he runs. He brings this ethos to all dealings with people. In working with people, Raymond’s passion is empowering people to reach their maximum potential, and this has enabled him to build great teams and mentor and coach them to reach their full potential.
Starting his first business at 21, Raymond has been a successful entrepreneur for almost 30 years. Building business with strategies that have even survived and thrived in recessions and downturns. Business strategy focused on the strengths of great teams is his passion, and he always starts businesses to achieve scale and maximum profitability.
Raymond is also an author who has published books on financial literacy and entrepreneurship. He has a legal background and evolved his career into strategic management and marketing consulting, before focusing now in the technology sector. Raymond has strong client contacts in the financial services sector regionally, which he leverages and networks with to grow his businesses.

Phil Clark – Co-Founder & Project Director

Phil Clark With over 30 years of design and development experience, Phil was the studio manager at McCann Erickson’s, the world’s largest advertising agency. After 20 years of service, he left and has adapted to meet the requirements of a changing marketplace.

Phil is co-founder of Createtec, a dynamic and versatile team of business people, software developers, and graphic designers creating innovative digital solutions. As part of Asia’s new Digital Economy revolution. Phil provides project management and excels in design while bringing a unique spin on out of the box thinking.

Working alongside extraordinarily talented developers, their software, Platform d-risk, was awarded third place in the national awards for energy provision in 2017.

Gul Khan – Co-Founder & Chief Technology Officer

Gul has 11 years of experience working in the tech industry and has an insatiable passion for programming, building apps, and always looking for the next challenge. Gul lives and breathes code.

He sometimes dreams in it too.

As a senior developer and system architect, he can take concepts and make them a reality. Gul has worked on numerous multimillion-pound contracts for major blue-chip clients and is widely respected in the industry for delivering fully stable code on time and on budget.

Bernard Lim - Chief Executive Officer Singapore

Bernard Lim is a Certified Financial Planner (CFP®), a Certified Specialist in Financial Education (CSFE®), an Accredited Financial Counsellor (AFCouns®).

He is a well-respected figure in the specialized field of estate & legacy planning. With about 30 years of industry experience, he has served hundreds of clients and is credited for pioneering and delivering top-class estate & legacy planning training to more than 10,000 financial services practitioners around the world. He also pioneered the Associate Specialist in Estate Planning (ASEP®) certification in collaboration with the Singapore Professional Centre.