Kęstutis Gardžiulis is a co-founder and a Business Development Director of a leading Baltic IT company ETRONIKA, member of NRD Companies, which develops electronic banking, digital identity, and smart retail solutions, and which for two years in a row was selected as one of the 50 most innovative and disruptive brands in financial technology in Europe.

Mr. Gardžiulis’ vision and drive are responsible for creating a culture of innovation and passion for user-centred design within the company. His sights are firmly set on identifying emerging technologies that bring the best solutions for the client. Kęstutis is a sought-after analyst and speaker on the subject of financial and banking technology innovations, regularly speaking at professional events worldwide.