Panayiotis combines company leadership with direct technical delivery. Since beginning his professional software career in 2000, he has designed, built, modernized, integrated, and supported production systems for banks, government organizations, transport operators, universities, water-sector organizations, maritime businesses, and private enterprises.
As CEO and Owner of CLOUD-EX, Panayiotis is responsible for technical direction, solution design, delivery quality, and the long-term maintainability of the systems the company undertakes. His approach is practical: understand the operating environment, select technology that fits the real constraints, and remain close enough to the implementation to resolve difficult issues personally.
What Panayiotis brings to CLOUD-EX
Senior technical leadership
Shapes architecture, breaks complex work into deliverable stages, guides developers, reviews implementation quality, and keeps technical decisions connected to business and operational requirements.
Hands-on full-stack delivery
Works across backend services, web interfaces, databases, integrations, mobile applications, reporting, and cloud environments rather than treating architecture as a separate activity from implementation.
Production-system judgement
Brings long experience from payment processing, government workflows, public transport platforms, and other environments where correctness, traceability, security, and reliable support matter.
Modernization without disruption
Understands legacy technologies as well as current stacks, making it possible to improve existing systems incrementally while protecting important data, workflows, and operational continuity.
Selected delivery experience
Public transport platforms
Contributed to the delivery of the Cyprus Public Transport digital platform, including customer-facing web services, a custom content-management environment, live route presentation using GTFS data and Google Maps, travel-card services, online payments, backoffice workflows, and supporting mobile capabilities.
Water-sector portals and public services
Developed customer and employee portals used by water organizations, online application services for the Cyprus Water Development Department, and related operational systems using ASP.NET Core APIs, Vue.js, Angular, Oracle, SQL Server, and mapping technologies.
Banking and payment systems
Worked on card-management and bank production systems at TSYS and in later consulting engagements, including service-desk problem solving, Oracle PL/SQL packages, Informix procedures, bank-specific expansion work, and on-site support in Romania, Poland, Ukraine, and Dubai.
Government and agricultural systems
Designed and developed application-processing systems for the Cyprus Agricultural Payments Organization, won senior-developer public contracts, and led a three-person team delivering a web application for the biological-products scheme using C#, ASP.NET, and Oracle PL/SQL.
Higher-education systems
Supported and enhanced the University of Nicosia CRM and faculty intranet, provided senior development consultancy, and helped modernize a 38-application internal environment serving five institutions.
Data-intensive reconciliation
Designed a multi-region financial reconciliation system for Gett, processing millions of transactions with Apache Spark on CentOS and presenting analysis through Apache Zeppelin notebooks.
Maritime business systems
Delivered management, survey, and ship-status reporting systems for maritime surveying organizations, including an AWS-hosted web application with secure owner access, reporting, and later survey-submission modules.
Custom operational software
Has delivered provident-fund, accounting, CRM, intranet, business-process, reporting, and integration systems across many organizations, with technologies ranging from Delphi and enterprise Java to .NET, Laravel, Flutter, and modern JavaScript frameworks.
Professional career
- CLOUD-EX Information SystemsCEO & OwnerLeads the company while remaining directly involved in architecture, software development, integrations, deployment, technical review, and client delivery.
- Financial systems and software consulting2022 – presentSenior engineering work covering Oracle PL/SQL development and production issue resolution for Latin American banking environments, together with Laravel, Flutter, and REST API delivery across other projects.
- Hydro-Comp Enterprises2018 – 2022Senior consultant and developer working across ASP.NET Core, Angular, Vue.js, mapping, Oracle, and SQL Server. Managed and reviewed development work while delivering customer portals, employee portals, public-service forms, transport systems, and mobile capabilities.
- NetU2017 – 2018Senior consultant and developer for insurance systems, Ministry of Finance work, existing-system support, and NetSuite cloud ERP development.
- University of Nicosia2014 – 2017Senior software engineer and web-development consultant for CRM, faculty intranet, institutional applications, support, and modernization.
- InfoTEX Software Solutions2011 – 2014Led and delivered government application-processing work and supported provident-fund and CAPO systems for major Cypriot organizations using Oracle, SQL Server, Delphi, C#, and ASP.NET.
- Cyprus Agricultural Payments Organization2009 – 2011Senior developer on successive public contracts for the design, development, and extension of the Applications Management and Processing System.
- TSYS Card Tech2005 – 2008Progressed from Analyst 2 to Analyst 3, supporting PRIME card-management environments and delivering Eurobank expansion work with international on-site responsibilities.
- IBM Italia, Cyprus Branch2004 – 2005Developed Cyprus Road Transport Department web services with J2EE, JSP, Servlets, Oracle, JavaScript, and IBM WebSphere.
- Ten20 Information Solutions and Amdocs2000 – 2003Started as a software engineer in ANSI C on Unix at Amdocs, then co-founded Ten20 and acted as lead developer for custom local-market software. Also taught eCommerce and database-modelling modules through City University of London.
Technical capability
Application engineering
C#, ASP.NET and ASP.NET Core, PHP and Laravel, Delphi, Java and J2EE, ANSI C, Visual Basic, REST APIs, multi-layer application architecture, and background-processing workflows.
Web and mobile
Angular, TypeScript, Vue.js, JavaScript, HTML, CSS, Razor Pages, jQuery, Flutter and Dart, CMS platforms, responsive interfaces, mapping, and customer-facing digital services.
Data and integration
Oracle and PL/SQL, SQL Server, MySQL, Informix, data modelling, reporting, ERP and POS bridges, payment integrations, GTFS processing, Apache Spark, APIs, scheduled data flows, and operational reconciliation.
Cloud and delivery environments
AWS EC2 and S3, Microsoft Azure, Linux and Windows environments, deployment, troubleshooting, production support, secure access, maintenance, and incremental modernization.
Education and professional credentials
- Bachelor’s Degree in Computer Science – University of Cyprus, 1995-1999.
- Master’s Degree in Pedagogical Teaching – University of Cyprus, 2009-2010, completed alongside full-time professional work.
- Research study in Informatics – City University of London, 2002-2004.
- Microsoft Certified Professional – Programming in HTML5 with JavaScript and CSS3, achieved in 2013 with a score of 930/1000.
- Languages – Greek native speaker and excellent professional English.
Panayiotis’s value to CLOUD-EX is the combination of executive responsibility and engineering depth: strategic decisions are made by someone who understands the code, the data, the deployment environment, and the operational consequences.