Musa Toktaş is a dynamic entrepreneur, technology leader, and father, with a strong track record of building and managing successful ventures across the Middle East and Europe. Currently serving as the CTO and Board Member of HOI Holding, he oversees technology-driven initiatives and foreign investments, driving innovation in healthcare, tourism, and fintech sectors. As the Managing Director of Heraklet, a leading software engineering consultancy based in Rotterdam, Musa specializes in developing SaaS platforms and fintech solutions, including PayPartner, a cash flow and payroll management tool widely adopted by SMEs in the UAE. He is also the visionary behind Guide of Dubai, a fast-growing tourism technology platform that integrates AI-driven travel planning, B2B dealership models, and strategic partnerships with major tourism operators. Musa holds certifications in both English and Arabic studies, having completed programs in the United States and the United Arab Emirates. A lifelong learner and innovator, he is passionate about technology, business growth, and creating scalable solutions that make a global impact.