Veljko (Vel) is the Managing Partner of Creitive Ventures, a venture builder focused on product acceleration and go-to-market routes for early-stage ideas in APAC, MENA, and Europe, and a co-founder of HolyWally, the world’s first wallet-as-a-service platform that combines adaptability, rapid scalability, and optimized user experience. For the last ten years, Vel has helped some of the biggest global brands define and implement their digital transformation strategies, and was also highly engaged across the fintech ecosystem through his startup HolyWally and partnerships with Visa and Microsoft.  ecosystems are the key to highly successful digital transformation initiatives. Veljko (Vel) is the Managing Partner of Creitive Ventures, a venture builder focused on product acceleration and go-to-market routes for early-stage ideas in APAC, MENA, and Europe, and a co-founder of HolyWally, the world’s first wallet-as-a-service platform that combines adaptability, rapid scalability, and optimized user experience. For the last ten years, Vel has helped some of the biggest global brands define and implement their digital transformation strategies, and was also highly engaged across the fintech ecosystem through his startup HolyWally and partnerships with Visa and Microsoft. He believes that partnerships and innovation ecosystems are the key to highly successful digital transformation initiatives.