Biljana Obradović has spent more than two decades delivering complex technology and transformation programs in regulated financial environments — from banking and payments to digital identity, fintech infrastructure and emerging digital assets.
THer experience spans card management systems, PSP and payment infrastructure, enterprise identity governance across 30+ EU systems, AI-assisted payment infrastructure for UK banking environments, DORA resilience programs, and MiCA/CASP governance.
Across these programs, she observed a recurring problem: regulatory approval, technology delivery and operational readiness were often treated as separate achievements.
Programs could obtain approval and still lack operational ownership. Technology could be delivered while critical governance remained unresolved. Controls could exist on paper while the evidence required to demonstrate that they actually worked was missing.
The Execution Gap Methodology™ grew from that observation.
Developed through years of delivery experience and structured specifically for regulated digital finance and complex financial infrastructure programs, the methodology maps the dependencies between strategy, regulation, architecture, technology, controls, readiness and ongoing operations — and identifies the execution debt that accumulates when those dependencies are not resolved in the right order.
Biljana is the founder of Concept360 Ventures LLC, where she is developing the Execution Gap Methodology™ into a practical operating architecture for organizations navigating regulated digital finance.
She is also the author of Beyond the token, a forthcoming book that examines why technically successful tokenization and digital asset programs can still fail to become operationally ready — and how governance, execution sequencing and evidence change that outcome.
Her professional background includes PRINCE2® Practitioner, ISO/IEC 27001 Lead Auditor, CEBP™, CBPM™, CDACE™ and ITIL V4, alongside an International Cambridge Diploma in Project Management and a B.Sc. in Computer Science and Engineering.