Raymond Gabriel – Group CEO

Raymond Gabriel is a serial entrepreneur who has built a few companies specializing in various fields from marketing consultancy, Strategic management to social entrepreneurship.

He started Createtec, a fintech company, with a strategy to give unique value, at an affordable price, to financial institutions and organisations with a large customer/member base. When building a business he always starts businesses to achieve scale and maximum profitability as fast as possible, without sacrificing value.As such, he developed a disruptive strategy to capture and scale market share fast while giving consumers an unparalleled value in the digital will industry. Raymond always focuses on win-win value creation that works both for large companies and 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 an 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 are his passions.

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.

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