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Terje Kjøs is a seasoned executive with extensive experience in digital finance and product development. Currently serving as Senior Vice President of Digital Finance at KMD since April 2022, Kjøs previously held multiple leadership roles at Banqsoft, including CEO, COO, and Business Area Manager for Financial Solutions, overseeing product development and global consulting projects. Prior experience includes leading the Project Management Office for Nordic operations at Santander Consumer Bank and software development management at EDB Business Partner. Kjøs's educational background includes studies at The Norwegian School of Information Technology, BI Norwegian Business School, and a KMD Executive Development Program at DTU - Technical University of Denmark.