Sweden has a mature fintech market supported by software engineering firms working across banking, payments, lending, investment technology, financial infrastructure, and AI. This list covers Stockholm-based development companies as well as technology partners with clear service coverage for Sweden or the wider European market. Readers can compare their fintech focus, engineering capabilities, financial-sector experience, and local presence.
1. Itexus
Itexus develops custom software for banks, fintech companies, investment firms, lenders, and other financial-services businesses. Its fintech portfolio covers digital banking platforms, payment and wallet applications, lending software, trading and wealth management products, KYC and fraud-related systems, and integrations with financial infrastructure.
The company also provides AI implementation, DevOps, QA, product engineering, and development-team augmentation. Itexus works with clients across Europe in addition to North America, the UK, and MENA, making its delivery model available to Swedish financial technology teams without requiring a local Stockholm office.
Key Facts
- Best for: Custom fintech products and modernization of existing financial platforms
- Core services: Fintech software development, mobile and web development, AI implementation, QA, DevOps, staff augmentation
- Specialization: Digital banking, payments, lending, wealth management, trading, financial integrations
- Location: European service coverage, with European operations in Poland
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: Żurawia 6/12/lok 766, 00-503 Warszawa, Poland
2. Beetroot
Beetroot combines a Stockholm headquarters with software development teams across several European and international locations. Its financial technology work includes digital banking and neobank products, payment applications, digital wallets, lending and BNPL systems, credit-scoring functionality, investment platforms, and wealth management software.
The company handles open banking, payment, and KYC integrations. Beetroot can provide complete product development or dedicated engineering teams, which makes it suitable for Swedish fintech businesses that need to expand development capacity while keeping product management close to the local market.
Key Facts
- Best for: Swedish fintech teams using distributed development models
- Core services: Custom software development, fintech product engineering, dedicated teams, integrations
- Specialization: Banking, payments, wallets, lending, BNPL, investment technology
Contact Information
- Website: beetroot.co
- E-mail: es.toorteeb@olleh
- Facebook: www.facebook.com/beetroot.se
- LinkedIn: www.linkedin.com/company/beetroot-se
- Instagram: www.instagram.com/beetroot.se
- Address: Holländargatan 20, 111 60 Stockholm, Sweden
- Phone: +46 705 1 888 22
3. Knowit
Knowit brings together software engineering, product development, consulting, and financial-sector expertise across Sweden and the wider Nordic region. Its work in banking, finance, and insurance includes digital services, integrations, payment flows, customer onboarding, lending-related solutions, and modernization of financial platforms.
The company partners with Mambu and Backbase for composable core banking and digital banking solutions. Its Swedish presence and broader consulting capabilities make it relevant to established financial organizations that need both application development and transformation support.
Key Facts
- Best for: Banks and larger financial organizations with multi-part transformation programs
- Core services: Software development, financial solutions, integration, cloud, digital transformation
- Industries: Banking, finance, insurance
- Location: Stockholm and other Swedish locations
Contact Information
- Website: www.knowit.eu
- E-mail: es.tiwonk@ofni
- Facebook: www.facebook.com/weareknowit
- LinkedIn: www.linkedin.com/company/knowit
- Instagram: www.instagram.com/weareknowit
- Address: Sveavägen 20, 111 57 Stockholm, Sweden
- Phone: +46 8 700 66 00
4. Geniusee
Geniusee develops custom fintech platforms for companies that need web, mobile, cloud, integration, and product-engineering expertise. Its financial software work includes banking applications, lending systems, electronic wallets, payment-related products, and AI-enabled fintech solutions.
The company supports projects from product design and engineering through integration and ongoing development, giving Swedish businesses access to a local Nordic commercial presence alongside a broader engineering organization. Its mix of fintech development and AI capability can also suit products where automation or data-driven functionality is part of the roadmap.
Key Facts
- Best for: Fintech products combining application development with AI or cloud engineering
- Core services: Software engineering, web and mobile development, integrations, AI, digital transformation
- Specialization: Banking, e-wallets, lending, fintech applications
Contact Information
- Website: geniusee.com
- E-mail: moc.eesuineg@ofni
- Facebook: www.facebook.com/geniuseesoftware
- LinkedIn: www.linkedin.com/company/geniusee
- Instagram: www.instagram.com/geniusee\_software
- Address: Epicenter, Malmskillnadsgatan 44a, 111 57 Stockholm, Sweden
- Phone: +46 72 837 63 91
5. Netlight
Netlight works extensively with financial-services organizations, covering banking, credit, payments, wealth management, AML, KYC, and financial platform modernization. Its consulting model centers on software engineering and technology transformation, giving clients flexibility when dealing with complex architecture, core migrations, regulatory processes, or customer-facing financial services.
The company reports work with banks, insurers, pension organizations, payment providers, and fintech startups.
Key Facts
- Best for: Complex financial technology programs requiring senior engineering consultants
- Core services: Software engineering, digital transformation, architecture, technology consulting
- Specialization: Banking, credit, payments, wealth, AML, KYC
Contact Information
- Website: www.netlight.com
- E-mail: moc.thgilten@selas
- LinkedIn: www.linkedin.com/company/netlight-consulting
- Instagram: www.instagram.com/netlightconsulting
- Address: Regeringsgatan 25, 111 53 Stockholm, Sweden
- Phone: +46 8 616 99 40
6. 4IRE
4IRE has a Stockholm sales office and a development focus centered strongly on financial technology. Its capabilities cover digital banking and neobanks, payment software, investment and trading systems, financial ERP solutions, KYC and AML functionality, stablecoin technology, and integrations involving SEPA and SWIFT.
The company works on blockchain and AI-based infrastructure. This combination gives it a broader fintech engineering profile than a general-purpose software agency, particularly for projects involving financial transactions, regulated workflows, or blockchain components.
Key Facts
- Best for: Fintech products involving payments, banking infrastructure, blockchain, or trading
- Core services: Financial software development, web and mobile engineering, blockchain, AI, integrations
- Specialization: Neobanks, payments, investment technology, KYC/AML, stablecoins
Contact Information
- Website: 4irelabs.com
- E-mail: moc.sbaleri4@ph
- Twitter: x.com/4irelabs
- LinkedIn: www.linkedin.com/company/4ire
- Instagram: www.instagram.com/4irelabs
- Address: Hovslagargatan 5, 111 48 Stockholm, Sweden
- Phone: +351 966 223 759
7. Tieto
Tieto combines technology consulting and software development with a dedicated banking technology business, Tieto Banktech. Its financial software offering covers payments, cards, lending and finance, savings and wealth, financial crime prevention, and modular banking platforms.
The company works extensively across the Nordic and European banking sector, so it is better suited to substantial financial infrastructure and modernization programs than to straightforward consumer app development alone. Tieto also provides broader cloud, data, AI, and software engineering services that can be incorporated into financial-sector transformation projects.
Key Facts
- Best for: Banks modernizing core technology and financial infrastructure
- Core services: Banking software, software development, cloud, data and AI, technology consulting
- Financial services unit: Tieto Banktech
- Specialization: Payments, cards, lending, wealth, financial crime prevention
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
8. Softhouse
Softhouse is a Swedish software consultancy with offices across the country and direct experience in finance. The company works with banks, insurance businesses, and fintech companies on software development, API integration, cloud systems, DevOps, data analytics, cybersecurity, and regulatory requirements. Its engineering services span product exploration, design, development, integration, deployment, and maintenance.
Softhouse has also expanded its banking and insurance expertise through acquisitions and maintains ongoing relationships with financial technology customers, including Fortnox.
Key Facts
- Best for: Swedish financial businesses needing long-term software engineering support
- Core services: Custom software development, cloud, APIs, DevOps, data analytics, security
- Industries: Banking, insurance, fintech
- Location: Multiple offices across Sweden
Contact Information
- Website: www.softhouse.se
- E-mail: es.esuohtfos@olleh
- LinkedIn: www.linkedin.com/company/softhouse
- Instagram: www.instagram.com/lifeatsofthouse
- Address: Carlsgatan 12 A, Floor 5B, 211 20 Malmo
- Phone: +46 40 664 39 00
9. Sigma Software
Sigma Software combines a Stockholm office with dedicated digital banking and fintech engineering services. Its financial sector capabilities include digital banking platforms, cloud-native banking systems, lending technology, neobank products, RegTech, and software used throughout financial customer journeys.
The company provides custom development, testing, integration, and ongoing software support. For Swedish organizations, the Stockholm presence gives access to local contact while larger engineering teams can support substantial product development or modernization initiatives.
Key Facts
- Best for: Digital banking platforms and larger fintech engineering programs
- Core services: Custom software development, digital banking, testing, integration, support
- Specialization: Banking, lending, neobanks, RegTech
Contact Information
- Website: sigma.software
- E-mail: erawtfos.amgis@ofni
- Facebook: www.facebook.com/SIGMASOFTWAREGROUP
- LinkedIn: www.linkedin.com/company/sigma-software-page
- Instagram: www.instagram.com/sigma\_software
- Address: Hornsgatan 1, 118 46 Stockholm, Sweden
- Phone: +46 70 600 42 49
10. Pearl Fintech
Pearl Fintech concentrates specifically on IT solutions for banking and finance rather than serving financial services as one vertical among many. Its work includes system development, implementation and adaptation of international banking systems, core banking technology, payment-system integration, and internet banking solutions.
The company works with SAP-based core banking environments and provides technology services to Swedish banks. Its central Stockholm location and narrow financial-sector focus make it relevant for institutions dealing with banking platforms, integrations, and long-term system development.
Key Facts
- Best for: Banking system development and core banking projects
- Core services: System development, banking-system implementation, integration, internet banking
- Specialization: Banking and finance
Contact Information
- Website: pearlfintech.se
- E-mail: es.puorglraep@hcetniflraep
- Address: Luntmakargatan 46, 5th floor, 111 37 Stockholm, Sweden
- Phone: +46 (0)8 440 36 70
11. Consid
Consid has a major Swedish presence and is expanding its work with banks and other financial-services organizations. Its capabilities for the sector bring together software development, data and analytics, cybersecurity, AI, digital customer experience, and business transformation.
The company has also worked with Sveriges Riksbank on maintenance, continued development, and new development of internally built IT systems. Its Stockholm operation provides system development, architecture, QA, data services, and project expertise, giving financial organizations access to several disciplines through one Swedish consultancy.
Key Facts
- Best for: Swedish financial institutions with broad IT transformation requirements
- Core services: Software development, data and analytics, cybersecurity, AI, QA, IT architecture
- Industries: Banking and financial services, among other sectors
- Location: Stockholm and multiple Swedish offices
Contact Information
- Website: www.consid.com
- E-mail: es.disnoc@ofni
- Facebook: www.facebook.com/consid.se
- LinkedIn: www.linkedin.com/company/consid-ab
- Instagram: www.instagram.com/consid\_ab
- Address: Kungsgatan 2, 111 43 Stockholm, Sweden
- Phone: +4636-120210
12. HiQ
HiQ has long-standing software engineering operations in Stockholm and experience with transaction-heavy financial services. A notable example is its development work on the IT solution behind Swish together with Bankgirot, connecting the company directly with one of Sweden's widely used mobile payment services.
Its Stockholm teams work across system development, full-stack engineering, testing, UX, AI, and DevOps, including assignments in banking. HiQ can therefore support both customer-facing financial products and the technical systems operating behind them.
Key Facts
- Best for: Payment, banking, and transaction-oriented software projects
- Core services: System development, full-stack development, testing, UX, AI, DevOps
- Relevant experience: Development of technology supporting Swish
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: Katarinavägen 15, 116 45 Stockholm, Sweden
- Phone: +46 (0)8 588 900 00
13. Develit
Develit develops custom software from its Stockholm office and explicitly includes fintech among its industry areas. Its engineering services range from enterprise and web software to mobile applications, API integrations, blockchain, AI, QA, cloud infrastructure, and cybersecurity.
The company works through the full development lifecycle, including consulting, architecture, development, testing, deployment, and maintenance. This breadth can be useful for financial technology projects that need several engineering disciplines but do not require a vendor focused exclusively on banking platforms.
Key Facts
- Best for: Custom fintech applications requiring broad engineering capabilities
- Core services: Custom software, mobile apps, web development, integrations, AI, blockchain, testing
- Industry expertise: Fintech
Contact Information
- Website: develit.se
- E-mail: es.tileved@selas
- Facebook: www.facebook.com/Develit
- LinkedIn: www.linkedin.com/company/develit
- Instagram: www.instagram.com/develit.se
- Address: Lindhagensgatan 76, 112 18 Stockholm, Sweden
- Phone: 08-128 608 19
14. Code Horizon
Code Horizon is a Stockholm software development company working across finance and several other technology-focused industries. It builds custom applications and web platforms while also providing cloud development, DevOps, infrastructure engineering, architecture planning, and technical support from concept through deployment.
Finance is one of the sectors the company explicitly serves, making Code Horizon an option for smaller or focused financial software initiatives where custom engineering, cloud architecture, and deployment support need to remain closely connected.
Key Facts
- Best for: Focused finance software projects and custom platforms
- Core services: Custom software development, cloud solutions, DevOps, infrastructure, web development
- Industry expertise: Finance
Contact Information
- Website: www.codehorizon.se
- E-mail: es.nozirohedoc@ofni
- Phone: +46 72 373 73 55
15. B3 Consulting Group
B3 Consulting Group is a Swedish technology and management consultancy with a dedicated financial-services practice through B3 Financial Consulting. The company works with banks, financial institutions, insurers, and asset-management organizations on digital transformation, system implementation, architecture, business-critical IT environments, and regulatory-driven change. Its financial consulting work includes areas such as ISO 20022, T2S, PEGA, SimCorp, and Lumera, alongside broader software engineering and technology services.
B3 also provides system development, mobile application development, cloud and technology services, data engineering, AI, testing, and architecture through its specialized business units. With its headquarters in Stockholm and consultants working across Sweden, the company is a suitable option for financial organizations that need a combination of software engineering and domain-specific banking expertise.
Key Facts
- Best for: Banking and financial-sector transformation projects
- Core services: Software development, system architecture, cloud, data, AI, testing, digital transformation
- Specialization: Banking, finance, insurance, asset management, regulatory transformation
Contact Information
- Website: b3.se
- E-mail: es.3b@ofni
- Facebook: www.facebook.com/B3consulting.est2003
- LinkedIn: www.linkedin.com/company/b3it
- Instagram: www.instagram.com/b3\_consulting
- Address: Wallingatan 2, 111 60 Stockholm, Sweden
- Phone: +46 8 410 143 40
Conclusion
Sweden offers a strong mix of local software consultancies, fintech specialists, and international development partners with experience in banking, payments, lending, wealth management, financial infrastructure, AI, and digital transformation. The right choice depends on the project scope: established banks may need large-scale modernization and integration expertise, while fintech startups often benefit more from product-focused teams that can handle strategy, UX, engineering, compliance-sensitive workflows, and ongoing development within one engagement.
For companies looking for a partner with a dedicated fintech focus, Itexus stands out for its experience across digital banking, payment systems, lending platforms, investment and wealth management software, financial integrations, and AI-enabled solutions. Its ability to combine product engineering with QA, DevOps, data, and AI services makes it suitable for both new fintech products and modernization of existing financial platforms.