Auke D. Veenstra Head of Europe & SA at Cloud Lending Solutions and independent observer of the financial markets and Fintech industry in particular. For more than 25 years, he worked in the retail financial services industry. He has a proven track record in business development, general management, and digital business strategy, in executive roles at a range of financial services companies in the US, Mexico, and continental Europe. He also worked as a principal analyst at Forester research in the field of digital transformation and Fintechs.