Vilja Solutions
Vilja Solutions AB provides a cloud-native core banking platform with deposit, lending, and leasing modules to banks, lenders, and fintechs across Europe and ASEAN. The Stockholm-headquartered firm, founded in 2007, serves enterprise and mid-market financial institutions via an API-first microservices architecture.
- Company typePrivate
- Founded2007
- HeadquartersStockholm, Sweden
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Vilja Solutions does
Vilja Solutions AB is a Stockholm-headquartered provider of cloud-native core banking platform software, founded in 2007 and operating with offices in Leeds (UK) and Kuala Lumpur (Malaysia). The company serves banks, lenders, fintechs, and finance companies across the Nordics, broader Europe (UK, Germany, Netherlands, Ireland, Poland, Austria, and Spain), and ASEAN (Malaysia, Thailand, Vietnam, Indonesia, and the Philippines). Its product suite includes the core Vilja Platform plus modular offerings for deposits, lending, and leasing, a proprietary AI assistant called Vilbot, and a dedicated migration tool for transitioning from legacy core systems.
The platform is built on Kubernetes-based microservices with an API-first architecture exposing more than 300 APIs, deployed across multi-cloud infrastructure (Microsoft Azure and Swedish provider Elastx). It is MCP-compliant and adopts a BYOAI (bring-your-own-AI) approach, allowing customers to integrate third-party models while maintaining a human-in-the-loop control model through Vilbot. The system targets regulated financial institutions requiring full-stack core banking modernization rather than point solutions, with implementations spanning consumer banks, SME lenders, and niche finance providers.
Vilja monetizes through platform licensing and implementation services to a mix of enterprise and mid-market financial institutions, with named customers including BNP Paribas Personal Finance, Handelsbanken, Hoist Finance, Qliro, Qred Bank, Lantmännen Finans, Froda, and others. The company has achieved recognized analyst positions including Gartner Magic Quadrant 2025 (Niche Player), IDC MarketScape 2024 (Major Player), and Celent 2024 (Functionality Standout), holds ISO 27001 and Cyber Essentials certifications, and is founder/employee-owned with a first disclosed external funding round of 40 SEK million in October 2025.
Vilja Solutions firmographics
Firmographics- Name
- Vilja Solutions
- Legal name
- Vilja Solutions AB
- Website
- https://viljasolutions.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Vilja Solutions AB provides a cloud-native core banking platform with deposit, lending, and leasing modules to banks, lenders, and fintechs across Europe and ASEAN. The Stockholm-headquartered firm, founded in 2007, serves enterprise and mid-market financial institutions via an API-first microservices architecture.
- Ownership category
- akta.pro rank
Vilja Solutions industry classification
Industry- Product category
- Core Banking Software
- NAICS
- Software Publishers (513210)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)
Keywords
Where Vilja Solutions is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices3 records
Markets served
Vilja Solutions business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- SaaS Subscription Model: Straightforward SaaS subscription model with setup/implementation cost and fixed monthly subscription fee combined with variable additional fee based primarily on volumes. Pay-per-usage model allowing customers to start small and grow with the platform.
- Implementation Services: One-time implementation and migration services for go-live projects. Greenfield customers typically 3-4 months, migration projects typically 6-12 months.
- Platform Modules: Modular architecture allows customers to add new solutions (Deposits, Lending, etc.) as they grow. Revenue scales with platform adoption and usage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | SaaS subscription with setup fee and variable monthly cost based on volumes |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Vilja Solutions product offering
Product offeringCore offering
Vilja Solutions provides a cloud-native, composable core banking platform delivered as a SaaS solution for banks, fintechs, and financial institutions. The platform offers modular products for deposits, lending, and leasing, with end-to-end automation, 300+ fit-for-purpose APIs, multi-cloud deployment, and an integrated AI assistant (Vilbot) to enable rapid product launches and digital banking transformation.
Product overview
Vilja Platform is a cloud-native, composable core banking platform delivered as a fully managed SaaS solution. It combines composable architecture, cloud-native infrastructure, and end-to-end automation in a single secure platform. The platform is modular by design with API-first connectivity, allowing customers to deploy together or independently, integrate best-of-breed solutions, and scale as needed. The product portfolio consists of the core Vilja Platform with specialized solutions including Vilja Deposit (term deposits, overnight deposits, savings accounts), Vilja Lending (SME loans, consumer loans, revolving credits, mortgages), Vilja Leasing (asset finance, installment, leasing), Vilbot (AI assistant with human-in-the-loop approvals and MCP compliance), and the Vilja Migration Tool for transitioning from legacy systems. The composable design enables customers to start with one module and expand to the full end-to-end lifecycle from Onboarding & KYC through Origination, Scoring, CRM & Servicing.
Differentiator
Problem solved
Functional benefit
Brands
- Vilja Deposit: Cloud-native deposit platform for savings accounts, term deposits, and overnight deposits, enabling fast market entry and international growth with automated operations.
- Vilja Lending
- Vilja Leasing
- Vilbot
Products and services
- Vilja Platform A cloud-native, composable core banking platform combining modular microservices architecture, Kubernetes-based infrastructure, and end-to-end automation. Provides deposits, lending, leasing, and AI capabilities in a single secure SaaS solution with 300+ fit-for-purpose APIs. Targeted at banks, fintechs, and financial institutions.
- Vilja Deposit A deposit platform for fast market entry and international growth, enabling self-service product setup, automated operations, and multi-currency funding across markets. Covers term deposits, overnight deposits, and savings accounts with full KYC and compliance support. Targeted at banks and credit market companies.
- Vilja Lending A complete lending platform covering the full loan lifecycle from application to final invoice. Supports SME loans, consumer loans, revolving credits, mortgages, and asset-backed loans, fully configurable and compliant with automation as a core principle. Targeted at banks and specialized lenders.
- Vilja Leasing Supports the process for installment payment, leasing, and rent agreements for asset finance offerings. Enables asset finance, agricultural, and construction machinery financing for banks and finance companies.
- Vilbot Vilja's integrated AI agent that supports users directly in the Workspace with human-in-the-loop approvals. Fully MCP (Model Context Protocol) compliant, enabling natural language interactions with the Vilja Platform and BYOAI integration. Targeted at platform users within financial institutions.
- Vilja Migration Tool A proprietary migration tool developed by Vilja to ensure fast and secure migration from legacy core banking systems. Reduces risk, migration time, and implementation effort for customers transitioning to the Vilja Platform. Targeted at banks replacing legacy core systems.
Quantifiable outcome
- 93% carbon reduction through cloud-native infrastructure
- +5 more outcomes
Companies that use Vilja Solutions
Customer profileNamed customers17 records
Segments5 records
Ideal customer profiles5 records
Vilja Solutions technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability4 records
Feature7 records
Vilja Solutions partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Proximus GlobalcorePartnership to deliver embedded WhatsApp banking services for emerging banks in Southeast Asia. Targets rural and cooperative banks in Indonesia, Malaysia, and Philippines, enabling customers to perform banking tasks like account opening, balance viewing, credit card applications, and digital ID checks through WhatsApp. Aims to expand financial inclusion for underserved communities.
- ThirdEyecoreStrategic partnership with ThirdEye, a tailored financial crime prevention solution that empowers businesses to detect threats, reduce risk and protect customers. Delivers integrated technology ecosystem for banks and building societies.
- FlagrightcorePartnership with Flagright to enable next generation financial compliance. Flagright offers real-time fraud detection, transaction monitoring and dynamic tools to adapt to sophisticated financial threats.
- FPT SoftwarecoreStrategic partnership to drive innovation in digital banking. FPT Software's deep technical expertise and global reach will introduce Vilja's cloud-native core banking platform to global enterprises, with initial focus on Asia's rapidly growing digital economy. Signed at Vietnam-Sweden Business Forum in Stockholm.
- Microsoft AzurecoreCertified Microsoft Azure partner with dedicated secure Kubernetes environment for Financial Services. Vilja Platform listed and available on Microsoft Azure Marketplace.
- ElastxcorePartnership with leading Swedish cloud provider Elastx. Created dedicated secure Kubernetes environment for business-critical services with sensitive data. Both ISO 27001 and ISO 14001 certified.
- Data One AsiaminorPremier IT services provider offering cloud services, data management, and cybersecurity. As a reseller, leverages Data One Asia's expertise to provide seamless product integration and localized services tailored for Thai customers.
- RC TechnologyminorSpecializes in developing innovative software, systems integration, and customized technology solutions. Partnership ensures Vilja can deliver complex projects and services across ASEAN region.
- DPMminorBrings extensive expertise in observability and digital immune systems, making it ideal partner to support Vilja with advanced hosting, monitoring, and security services across ASEAN region.
- AquaOrangeminorStrategic partner within business growth and IT services. Leverages data insights, nurtures relationships, and fosters collaboration to deliver tangible value with comprehensive digital commerce strategies and robust implementations for Thai market.
Scale indicators14 records
Recent moves11 records
Expansion highlights6 records
Vilja Solutions competitors and assessment
Company assessmentDirect peers
- Thought Machine: UK-based cloud-native core banking platform vendor serving Tier 1 banks (JPMorgan, Lloyds, Standard Chartered). Directly comparable to Vilja in product category, target customer, and cloud-native architecture, though operating at significantly larger scale and capital base.
- Q2: US-based provider of digital banking solutions for community banks and credit unions via a cloud-native SaaS platform. Comparable to Vilja in SaaS delivery and mid-market/community bank focus, though more front-end and digital-channel focused.
- Mambu: Berlin-based cloud banking SaaS platform offering composable core banking, lending, and deposit services to challenger banks and fintechs. Closely comparable to Vilja in modular SaaS approach and target segment, with a similar European DNA.
- 10x Banking: UK-based cloud-native core banking platform serving incumbent and challenger banks with a SaaS delivery model. Directly comparable to Vilja in product offering and target customer profile, with overlapping UK/Nordic/European customer bases.
- Ohpen: Netherlands-based cloud-native core banking platform focused on retail and SME banking. Closely comparable to Vilja in product scope (deposits, lending, mortgages) and European mid-market bank customer focus.
- Backbase: Netherlands-based Engagement Banking Platform combining front-end customer experience with core banking orchestration. Comparable to Vilja as a European cloud banking platform vendor serving retail banks with composable architecture.
- nCino: US-based cloud banking platform for commercial, retail, and mortgage banking with composable architecture. Comparable to Vilja in SaaS delivery, bank customer focus, and modular product approach, though larger and publicly listed.
Broad incumbents
- Temenos: Swiss-based global leader in banking software offering both traditional and cloud-native core banking (Temenos Banking Cloud, Wealth, Payments). Competes with Vilja in the same Gartner MQ for Retail Core Banking Systems Europe, but with vastly broader product portfolio and customer base.
- FIS: US-based global financial technology provider offering a broad portfolio of core banking, payments, and capital markets software. Competes with Vilja in the same retail core banking category, but at much larger scale and with legacy-installed-base customers.
- Fiserv: US-based global fintech provider with core banking, payments, and merchant solutions. A broad incumbent competing for the same digital banking transformation budgets that Vilja targets, with deeper enterprise relationships in the US market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Vilja Solutions social profiles
Digital presenceVilja Solutions compliance and trust
Trust signalCompliance4 records
Vilja Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Vilja Solutions leadership team
Management profileNumber of profiles
Profiles14 records
Vilja Solutions subsidiaries and ownership
Company hierarchySubsidiaries2 records
Vilja Solutions funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Vilja Solutions M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Vilja Solutions
What does Vilja Solutions do?
Vilja Solutions provides a cloud-native, composable core banking platform delivered as a SaaS solution for banks, fintechs, and financial institutions. The platform offers modular products for deposits, lending, and leasing, with end-to-end automation, 300+ fit-for-purpose APIs, multi-cloud deployment, and an integrated AI assistant (Vilbot) to enable rapid product launches and digital banking transformation.
Is Vilja Solutions a public or private company?
Vilja Solutions is a private company. It is classified as management employee owned and is currently operating.
When was Vilja Solutions founded?
Vilja Solutions was founded in 2007. It employs 51 to 100 people.
Where is Vilja Solutions based?
Vilja Solutions is headquartered in Stockholm, Sweden, in the Europe region.
How does Vilja Solutions make money?
Three revenue lines are on record. SaaS Subscription Model is the primary driver. The others are implementation Services and platform Modules.
Who are Vilja Solutions's main competitors?
Direct peers on record are Thought Machine, Q2, Mambu, 10x Banking, Ohpen, Backbase and nCino. Broad incumbents are Temenos, FIS and Fiserv.
Does Vilja Solutions have an API?
Yes. Vilja Platform exposes 300+ fit-for-purpose APIs. The platform uses an open REST API architecture enabling plug-and-play integration with payment gateways, identity providers, regulatory reporting tools, and third-party services. ISO 20022 messaging allows exchange of payment information with payment providers and partners. A template-based integration framework allows great flexibility. Customers can also build their own MyPages-like functionality or fully onboard new customers through their own client via the public APIs. Developer documentation is at developers.viljasolutions.com.
What industry is Vilja Solutions in?
Vilja Solutions's product category is Core Banking Software. Its primary akta.pro industry code is FSAGAAAC, Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts). Its NAICS code is 513210 and its SIC code is 7372.