Sweden has a mature financial technology sector supported by established banking platform providers, software consultancies, and specialized fintech developers. The companies below cover custom banking applications, core system modernization, payments, lending, regulatory technology, data platforms, and integrations for financial institutions operating in Sweden.
1. Itexus
Itexus builds custom software for banks, fintech companies, insurers, investment firms, and other regulated financial organizations. Its work covers digital banking platforms, payment apps, lending systems, and wealth management products. It also builds financial data tools and software for trading and investment operations.
Itexus takes projects from product discovery and interface design through engineering, testing, cloud deployment, and maintenance. It integrates banking cores, payment providers, market data services, KYC and AML tools, and open banking APIs. Swedish businesses that need a dedicated team for a new financial product or a system upgrade will find a good fit.
Key Facts
- Best for: Custom banking and fintech product development
- Core services: Banking software development, product discovery, UI/UX design, cloud engineering, QA, and support
- Banking capabilities: Digital banking, payments, lending, wealth management, and financial analytics
- Technologies: Java, .NET, Python, TypeScript, React, Angular, Flutter, and React Native
- Delivery coverage: Sweden and other international markets
- Compliance experience: GDPR, KYC, AML, and financial data security requirements
Contact Information
- Website: itexus.com
- E-mail: moc.suxeti@ofni
- Facebook: www.facebook.com/itexus
- Twitter: x.com/ItexusSoft
- LinkedIn: www.linkedin.com/company/itexus
- Instagram: www.instagram.com/itexus.soft
- Address: 8, The Green, STE road, Dover, DE 19901, United States
2. Vilja Solutions
Vilja Solutions is a Swedish banking technology company with a cloud-native core banking platform for banks, lenders, and digital finance projects. Its modular platform handles deposits and lending. That includes account administration, interest calculations, product configuration, invoicing, and automated workflows.
Institutions can take the full platform or pick single modules to fit their current architecture. Thanks to API integrations and SaaS delivery, it works for replacing older banking systems or launching new savings and credit products. Vilja is headquartered in Stockholm and works with financial companies across the Nordics and Europe.
Key Facts
- Best for: Cloud-native core banking implementation
- Core solutions: Deposit and lending platforms
- Platform model: Modular banking software delivered as SaaS
- Capabilities: Product configuration, account management, automation, and integrations
- Location: Stockholm, Sweden
- Industries: Banks, lenders, credit institutions, and fintech companies
Contact Information
- Website: viljasolutions.com
- E-mail: moc.snoitulosajliv@selas
- Twitter: x.com/ViljaSolutions
- LinkedIn: www.linkedin.com/company/viljasolutions
- Address: Kungsgatan 26 111 35 Stockholm Sweden
3. Tieto Banktech
Tieto Banktech, part of Tieto, supplies banking software and technology services in Sweden and the wider Nordic market. Its products cover core banking, payments, cards, lending, financial crime prevention, and wealth management. Clients range from established banks to firms upgrading single parts of their infrastructure.
Its modular products let a bank run a large transformation without replacing every system at once. Tieto also offers cloud, data, software engineering, and consulting, so it can handle both the technical and operational sides of complex projects. Its strong Nordic presence helps when local regulations and regional payment infrastructure matter.
Key Facts
- Best for: Large-scale Nordic banking transformation
- Core solutions: Core banking, cards, payments, lending, and wealth management
- Related capabilities: Financial crime prevention, cloud, data, and software engineering
- Delivery model: Modular products and technology consulting
- Swedish presence: Offices and delivery teams in Sweden
- Client types: Banks and financial institutions
Contact Information
- Website: www.tieto.com
- E-mail: moc.oteit@ofni
- LinkedIn: www.linkedin.com/company/tieto
- Instagram: www.instagram.com/tietoglobal
- Address: Gustav III:s Boulevard 130 SE-16903 Solna Sweden
- Phone: +46104810000
4. Crosskey
Crosskey builds and runs modular banking platforms for Nordic financial institutions. It offers transactional banking, card issuing and processing, wealth management, and open banking. It also provides payment verification and managed access to the Swift network.
Crosskey delivers its platforms as SaaS and handles implementation, operation, integration, and ongoing development. Its transactional banking system covers accounts, payments, deposits, and lending, while the card platform runs the full issuing and processing cycle. Crosskey has a Swedish presence, and its clients include Nordic banks, asset managers, and payment providers.
Key Facts
- Best for: Modular Nordic banking platforms
- Core solutions: Transactional banking, cards, wealth management, and open banking
- Additional services: Swift connectivity and verification of payee
- Architecture: API-driven SaaS platforms
- Swedish location: Stockholm
- Compliance areas: PCI DSS and regulated financial operations
Contact Information
- Website: www.crosskey.fi
- E-mail: if.yekssorc@noitamrofni
- Facebook: www.facebook.com/CrosskeyBankingSolutions
- LinkedIn: www.linkedin.com/company/crosskey-banking-solutions
- Instagram: www.instagram.com/lifeatcrosskey
- Address: Hollandargatan 13,Stockholm, Sweden
- Phone: +35820429022
5. Banqsoft
Banqsoft makes financial software for asset finance, digital banking, and credit management. It has an office in Stockholm and serves banks, lenders, vehicle finance companies, and other financial firms across the Nordics and Europe.
Its banking software handles deposits, lending products, customer onboarding, account processes, payments, and self-service. Banqsoft also has systems for consumer finance, leasing, fleet finance, and collections. Swedish institutions that want an established platform instead of a fully custom banking system should take a look.
Key Facts
- Best for: Digital banking, lending, and asset finance platforms
- Core solutions: Digital banking, credit management, and asset finance
- Capabilities: Onboarding, deposits, payments, lending, and collections
- Client types: Banks, lenders, leasing companies, and vehicle finance providers
- Swedish location: Stockholm
- Market coverage: Nordic and European financial services markets
Contact Information
- Website: www.banqsoft.com
- Facebook: www.facebook.com/banqsoft
- LinkedIn: www.linkedin.com/company/banqsoft
- Address: Banqsoft Sweden Filial | Wallingatan 2 | 6 TR | S-111 60 Stockholm | Sweden
- Phone: 00 46 8 769 76 00
6. Knowit
Knowit combines software development, technology consulting, design, cybersecurity, cloud services, and business transformation. The Stockholm-based group works with financial services and other regulated industries. It builds both customer-facing apps and internal platforms.
On banking projects, Knowit can help with system modernization, cloud adoption, data engineering, digital identity, and compliance workflows. It also builds modular financial products. Its consultants span strategy, design, engineering, and security, which helps institutions coordinating several parts of a transformation. Knowit has offices throughout Sweden and a large local delivery team.
Key Facts
- Best for: Banking modernization involving multiple technical disciplines
- Core services: Software development, cloud, data, cybersecurity, and digital design
- Financial capabilities: Modular banking, credit systems, compliance, and platform modernization
- Location: Headquartered in Stockholm with offices across Sweden
- Client types: Enterprises, public organizations, and regulated businesses
- Delivery approach: Consulting teams and project-based development
Contact Information
- Website: www.knowit.se
- E-mail: es.tiwonk@ofni
- Facebook: www.facebook.com/weareknowit
- LinkedIn: www.linkedin.com/company/knowit
- Instagram: www.instagram.com/weareknowit
- Address: Sveavagen 20 111 57 Stockholm
- Phone: +4687006600
7. HiQ
HiQ builds business-critical software and digital services for finance, industry, telecommunications, and the public sector. Its Swedish teams work on software engineering, cloud platforms, data systems, cybersecurity, integration, and digital experience.
HiQ has direct experience with Swedish payment infrastructure. For Bankgirot, it developed secure technology that supports the modernization of payment processes. That makes HiQ a strong option for banks and payment firms with strict availability, security, and integration needs. It can supply full project teams or individual specialists.
Key Facts
- Best for: Payment infrastructure and business-critical financial systems
- Core services: Software engineering, cloud, data, integration, and cybersecurity
- Financial experience: Banking and Swedish payment infrastructure
- Project types: New platforms, system modernization, and technical consulting
- Location: Offices across Sweden
- Delivery options: Project teams and specialist consultants
Contact Information
- Website: hiq.se
- E-mail: es.qih@mlohkcots.ofni
- Facebook: www.facebook.com/HiQSverige
- LinkedIn: www.linkedin.com/company/hiq
- Instagram: www.instagram.com/hiqsweden
- Address: Katarinavagen 15 11645 Stockholm Sverige
- Phone: +46 8-588 90 000
8. CGI Sweden
CGI helps banks and financial institutions with core system modernization, digital banking, payments, data management, cybersecurity, and regulatory change. It pairs its own banking software products with consulting, implementation, systems integration, and managed services.
Its Swedish team suits institutions with large, interconnected systems where new apps must run alongside legacy platforms. CGI also fits longer programs involving cloud migration, operational resilience, fraud prevention, or payment infrastructure changes. Given its size, it is a better match for complex enterprise programs than for small standalone apps.
Key Facts
- Best for: Enterprise banking transformation
- Core services: Consulting, software development, integration, and managed services
- Banking capabilities: Core systems, payments, digital channels, data, and compliance
- Additional expertise: Cybersecurity, cloud migration, and operational resilience
- Swedish presence: Multiple offices in Sweden
- Client types: Banks, insurers, public institutions, and large enterprises
Contact Information
- Website: www.cgi.com
- Facebook: www.facebook.com/cgisverige
- LinkedIn: www.linkedin.com/company/cgi
- Instagram: www.instagram.com/cgisverige
- Address: Sagvagen 17 Åre / Duved 837 71
- Phone: +46 (63) 152200
9. Capgemini Sweden
Capgemini provides technology consulting and engineering to banks, insurers, and capital markets firms. Its financial services work includes core banking transformation, payment modernization, cloud migration, and customer experience platforms. It also covers data engineering, artificial intelligence, and regulatory technology.
Swedish banks use Capgemini for large transformation programs that span architecture, software implementation, security, and operations. It works with major banking platforms and cloud providers and connects established products to internal systems. Its scale suits projects that involve several business units or markets.
Key Facts
- Best for: Multi-system banking transformation programs
- Core services: Consulting, engineering, cloud, data, and systems integration
- Banking capabilities: Core modernization, payments, digital channels, and compliance
- Client types: Banks, insurers, and capital markets organizations
- Swedish presence: Stockholm and other Swedish locations
- Project scope: Enterprise and cross-border programs
Contact Information
- Website: www.capgemini.com
- Facebook: www.facebook.com/capgeminiSverige
- LinkedIn: www.linkedin.com/company/capgemini
- Address: Fleminggatan 18, 112 26 Stockholm, Sweden
- Phone: +46 8 536 850 00
10. Accenture Sweden
Accenture helps financial institutions with technology strategy, software engineering, cloud platforms, cybersecurity, data, and artificial intelligence. It also handles business process transformation. Its banking practice covers retail and commercial banking, payments, lending, customer onboarding, risk, and regulatory operations.
Accenture fits Swedish banks planning a broad modernization rather than a narrow app build. It can run platform selection, implementation, migration, integration, and ongoing support. It also works with major cloud and enterprise technology vendors, which helps when a banking program depends on several outside systems.
Key Facts
- Best for: Complex banking and cloud transformation
- Core services: Strategy, engineering, cloud, data, security, and managed operations
- Banking capabilities: Payments, lending, onboarding, risk, and digital channels
- Client types: Large banks and financial institutions
- Swedish presence: Stockholm
- Project types: Platform implementation, integration, and modernization
Contact Information
- Website: www.accenture.com
- Address: Radmansgatan 42, Stockholm, Sweden, 113 60
- Phone: +4684513000
11. Sopra Steria Sweden
Sopra Steria offers consulting, software development, cloud services, data engineering, cybersecurity, and systems integration. Its financial services teams help banks and other regulated organizations with digital channels, operational platforms, analytics, compliance, and modernization.
Sopra Steria can stay with a banking project from early business and architecture decisions through launch and later improvements. Its Nordic presence brings knowledge of the regional market, and its European organization can add people to cross-border programs. It suits institutions that want local consultants backed by larger engineering capacity.
Key Facts
- Best for: Nordic banking consulting and software engineering
- Core services: Development, cloud, data, cybersecurity, and integration
- Financial capabilities: Digital banking, analytics, compliance, and modernization
- Swedish presence: Stockholm and other Swedish offices
- Client types: Financial institutions, enterprises, and public organizations
- Delivery scope: Local and cross-border programs
Contact Information
- Website: www.soprasteria.se
- E-mail: moc.airetsarpos@es.ofni
- LinkedIn: www.linkedin.com/company/soprasteria
- Instagram: www.instagram.com/soprasteria_se
- Address: Vasagatan 38, 6 tr 111 20 Stockholm
- Phone: +46 (0)8 587 650 00
12. Sigma Technology
Sigma Technology offers software engineering, digital product development, cloud, data, cybersecurity, embedded systems, and technology consulting. It has teams across Sweden and can add dedicated developers to a client's internal technology department.
For banks and fintechs, Sigma works on customer apps, integrations, data platforms, quality assurance, cloud infrastructure, and security-sensitive software. It is a good fit when a financial firm already owns its product roadmap but needs more engineers, or a full external team, to deliver it.
Key Facts
- Best for: Expanding internal banking software teams
- Core services: Software engineering, cloud, data, QA, and cybersecurity
- Engagement models: Project teams, specialist consultants, and managed delivery
- Project types: Applications, integrations, data systems, and platform modernization
- Location: Offices throughout Sweden
- Client types: Technology businesses and large organizations
Contact Information
- Website: sigmatechnology.com
- E-mail: moc.ygolonhcetamgis@dnavdobak.nihsar
- Facebook: www.facebook.com/sigmatechnologygroup
- LinkedIn: www.linkedin.com/company/sigma-technology-ab
- Instagram: www.instagram.com/sigma_technology
- Address: Hornsgatan 1 118 46, Stockholm
- Phone: +46 70 284 66 19
13. Fimento
Fimento is a Stockholm-based fintech company focused on lending infrastructure. Its platform lets banks, lenders, retailers, and other businesses launch and run embedded lending products through configurable technology and APIs.
Fimento covers key steps of the credit lifecycle: applications, decisions, loan management, servicing, and customer communication. Unlike general software consultancies, it does one thing. It suits companies building lending products better than banks looking to replace their whole core banking system.
Key Facts
- Best for: Embedded lending and credit products
- Core solution: Configurable lending infrastructure
- Capabilities: Applications, credit decisions, servicing, and integrations
- Delivery model: Platform and API-based implementation
- Location: Stockholm, Sweden
- Client types: Banks, lenders, retailers, and fintech businesses
Contact Information
- Website: fimento.com
- E-mail: moc.otnemif@ofni
- LinkedIn: www.linkedin.com/company/fimento
- Address: Master Samuelsgatan 20 (Mood), 111 44 Stockholm
14. Finshark
Finshark provides open banking technology for reading bank account data and starting account-to-account payments. Its services support financial apps for identity checks, affordability assessments, transaction analysis, customer onboarding, and payment initiation.
With Finshark, a development team has less banking connectivity to build and maintain on its own. Swedish banks, lenders, and fintechs can use it to add open banking features to a wider product. It is a specialist component rather than a full-service developer, so it usually sits inside a larger banking system.
Key Facts
- Best for: Open banking data and payment connectivity
- Core services: Account information and payment initiation
- Capabilities: Transaction data, identity, affordability, and onboarding
- Delivery model: API-based financial infrastructure
- Location: Sweden
- Client types: Banks, lenders, fintech companies, and financial platforms
Contact Information
- Website: finshark.io
- E-mail: oi.krahsnif@tcatnoc
- LinkedIn: www.linkedin.com/company/finshark
- Instagram: www.instagram.com/finshark.io
15. Enigio
Enigio builds technology for secure digital documents in banking, trade finance, logistics, and other paperwork-heavy deals. Its trace:original solution creates digital originals that can be verified and transferred. Integrity and ownership information stay intact along the way.
The Stockholm-based company suits banks handling trade documents, guarantees, bills of exchange, and other processes that still rely on paper. Enigio is not a general core banking vendor. Its software targets one part of financial digitalization, where authenticity, compliance, and interoperability come first.
Key Facts
- Best for: Digital document systems in trade finance
- Core solution: Secure and verifiable electronic original documents
- Banking capabilities: Trade documentation, guarantees, and transferable records
- Related services: Integration and implementation support
- Location: Stockholm, Sweden
- Client types: Banks, trade finance providers, logistics companies, and enterprises
Contact Information
- Website: enigio.com
- Address: Drottningsholmsvägen 10 112 42 Stockholm, Sweden
Conclusion
The Swedish market offers several distinct options for banking software projects. Vilja Solutions, Crosskey, Banqsoft, and Tieto Banktech provide established banking platforms, while Itexus supports custom product development across digital banking, lending, payments, and investment technology. Larger consultancies such as Knowit, HiQ, CGI, Capgemini, Accenture, and Sopra Steria are better suited to transformation programs involving multiple systems and business units.
A useful shortlist should reflect the type of work required. Banks replacing core infrastructure need different capabilities from fintech companies launching an application, adding open banking connectivity, or digitalizing a specialized process. Comparing platform ownership, integration responsibilities, regulatory experience, local availability, and long-term support will help narrow the options.