Legal, consulting, project leadership and know-how hub. Based in Sandvika, Norway.
Kęstutis Gardžiulis

Position Co-founder and Business Development Director at Etronika
Countries / regions of work experience
Lithuania, Latvia, Estonia, Finland, Tanzania
Areas of expertise
- FinTech
- E-banking, M-banking
- Electronic ID
- Smart retail
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.
Publications and videos
Kęstutis Gardžiulis presenting Banktron/ ETRONIKA at FinovateEurope 2016:
On 9th September 2017, Mr Gardziulis participated in a discussion festival "Būtent!"/2017 (en. Exactly!/2017) where he shared his thoughts on artificial intelligence and robots in a workplace:
Source: Swedbank Lietuvoje