Terje Kjøs is the CEO of Banqsoft, a Nordic software company who provide banks and finance companies with innovative state-of-the-art solutions and services. Terje is a seasoned executive with 20 years in the banking & IT industry. With background from Santander and Evry, he has significant experience with bank and finance software implementations in the European market. Terje is continually looking for opportunities where technology can simplify and optimize the banking industry, and has been supporting many successful growth scenarios. He believes in open and highly automated solutions, and think that banking as we know it today will become invisible for the end customers in the future.