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 develops custom software for banks, fintech companies, insurers, investment firms, and other regulated financial organizations. Its work covers digital banking platforms, payment applications, lending systems, wealth management products, financial data tools, and software for trading and investment operations.
The company supports projects from product discovery and interface design through engineering, testing, cloud deployment, and maintenance. Itexus also handles integrations with banking cores, payment providers, market data services, KYC and AML tools, and open banking APIs. This end-to-end scope suits Swedish businesses that need a dedicated development team for a new financial product or the modernization of an existing system.
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 offering a cloud-native core banking platform for banks, lenders, and digital financial initiatives. Its modular platform supports deposits and lending, including account administration, interest calculations, product configuration, invoicing, and automated operational workflows.
Financial institutions can implement a complete platform or select individual modules based on their existing architecture. API-based integrations and a software-as-a-service delivery model make the platform suitable for organizations replacing older banking systems or launching new savings and credit products. Vilja is headquartered in Stockholm and works with financial companies across the Nordic and wider European markets.
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 related technology services across Sweden and the wider Nordic market. Its solutions cover core banking, payments, cards, lending, financial crime prevention, and wealth management. The company works with established banks as well as financial organizations modernizing individual parts of their technology infrastructure.
Its modular products can support large transformation programs without requiring every system to be replaced at once. Tieto also provides cloud, data, software engineering, and consulting expertise, allowing it to handle the technical and operational sides of complex banking projects. Its significant Nordic presence is especially useful when local regulations and regional payment infrastructure are important.
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 develops and operates modular banking platforms for financial institutions in the Nordic region. Its offering includes transactional banking, card issuing and processing, wealth management, open banking, payment verification, and managed access to the Swift network.
The company delivers its platforms as SaaS and supports implementation, operation, integration, and continuous product development. Its transactional banking system handles areas such as accounts, payments, deposits, and lending, while the card platform covers the issuing and processing lifecycle. Crosskey has a Swedish presence and works with organizations including 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 provides financial software for asset finance, digital banking, and credit management. The company has an office in Stockholm and serves banks, lenders, vehicle finance businesses, and other financial organizations throughout the Nordic region and Europe.
Its banking software supports deposits, lending products, customer onboarding, account processes, payments, and self-service functions. Banqsoft also offers systems for consumer finance, leasing, fleet finance, and collections. These capabilities make it a practical option for Swedish institutions that need an established platform rather than a completely custom-built banking system.
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 organizations in financial services and other regulated industries, supporting both customer-facing applications and internal platforms.
For banking projects, Knowit can contribute to system modernization, cloud adoption, data engineering, digital identity, compliance workflows, and the development of modular financial products. Its consultants can work across strategy, design, engineering, and security, which is useful for institutions coordinating several parts of a transformation program. The company has offices throughout Sweden and maintains a substantial local delivery organization.
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 develops business-critical software and digital services for organizations in finance, industry, telecommunications, and the public sector. Its Swedish teams work on software engineering, cloud platforms, data systems, cybersecurity, integration, and digital experience projects.
The company has direct experience with Swedish payment infrastructure. Its work with Bankgirot includes the development of secure technology supporting the modernization of payment processes. This background makes HiQ particularly applicable to banks and payment organizations managing high availability, security, and integration requirements. The company can provide complete project teams or individual technology 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 works with banks and financial institutions on core system modernization, digital banking, payments, data management, cybersecurity, and regulatory change. The company combines established banking software products with consulting, implementation, systems integration, and managed services.
Its Swedish operation can support institutions with large, interconnected technology environments where new applications must work alongside legacy platforms. CGI is also suited to longer transformation programs involving cloud migration, operational resilience, fraud prevention, or changes to payment infrastructure. Its broad delivery capacity is generally more appropriate for complex enterprise programs than small standalone applications.
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 services to banks, insurers, and capital markets organizations. Its financial services work includes core banking transformation, payment modernization, cloud migration, customer experience platforms, data engineering, artificial intelligence, and regulatory technology.
Swedish banks can use Capgemini for extensive transformation programs that require coordination across architecture, software implementation, security, and operational processes. The company also works with major banking technology platforms and cloud providers, helping institutions integrate established products with their internal systems. Its scale makes it most suitable for projects involving 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 supports financial institutions with technology strategy, software engineering, cloud platforms, cybersecurity, data, artificial intelligence, and business process transformation. Its banking practice covers retail and commercial banking, payments, lending, customer onboarding, risk, and regulatory operations.
The company is a suitable candidate for Swedish banks undertaking extensive modernization rather than a narrowly defined application build. It can coordinate platform selection, implementation, migration, integration, and ongoing operational support. Accenture also works with major cloud and enterprise technology vendors, which can help when a banking program depends on several external 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 provides consulting, software development, cloud services, data engineering, cybersecurity, and systems integration. Its financial services teams work with banks and other regulated organizations on digital channels, operational platforms, analytics, compliance, and modernization.
The company can support a banking project from early business and architecture decisions through implementation and ongoing improvement. Its Nordic presence gives it familiarity with regional financial services conditions, while its wider European organization can contribute resources to cross-border programs. Sopra Steria is suited to institutions that need a combination of local consultants and broader 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 delivers software engineering, digital product development, cloud, data, cybersecurity, embedded systems, and technology consulting. The company has teams across Sweden and can provide dedicated development capacity for organizations that need to expand an internal technology department.
For banks and fintech businesses, its skills can be applied to customer applications, integrations, data platforms, quality assurance, cloud infrastructure, and security-sensitive software. Sigma Technology is particularly applicable when a financial organization already controls its product roadmap but requires additional engineers or a complete 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 financial technology company focused on lending infrastructure. Its platform helps banks, lenders, retailers, and other businesses introduce and manage embedded lending products through configurable technology and APIs.
The company covers important parts of the credit lifecycle, including applications, decision processes, loan management, servicing, and customer communication. This narrower focus distinguishes Fimento from general software consultancies. It is more suitable for organizations building lending propositions than banks searching for a broad core banking replacement covering every product category.
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 that businesses can use to access bank account data and initiate account-to-account payments. Its services support financial applications involving identity, affordability assessments, transaction analysis, customer onboarding, and payment initiation.
The platform can reduce the amount of banking connectivity that a development team must build and maintain independently. This makes Finshark useful to Swedish banks, lenders, and fintech companies adding open banking functions to a broader product. Its role is more specialized than that of a full-service developer, so it is likely to work as a technology component within 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 develops technology for secure digital documents used in banking, trade finance, logistics, and other document-heavy transactions. Its trace:original solution is designed to create digital originals that can be verified and transferred while preserving integrity and ownership information.
This focus makes the Stockholm-based company relevant to banks working with trade documents, guarantees, bills of exchange, and other processes that still depend heavily on paper or document exchange. Enigio is not a general core banking vendor. Its software instead addresses a specific part of financial digitalization where authenticity, compliance, and interoperability are central requirements.
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.