Jiway

What Jiway does

Jiway S.A. is a Luxembourg-based, privately held FinTech software company — now a member of the Intalio Group following its 2025 acquisition — that builds modular add-on solutions designed to integrate with and augment existing core banking systems. Its flagship product, the MozaIK Suite, is a set of versatile modules targeting document, workflow, and business relationship management for private and universal banks; named sub-modules include ContactMaster (contact management) and MozaIK Sports (a sports-industry variant). The platform is positioned as a non-disruptive layer that enhances customer engagement, operational efficiency, and regulatory compliance without requiring banks to replace core infrastructure, with deep integration into the Temenos core banking platform through its Exchange Partner status.

The company serves enterprise banking clients across Luxembourg, Switzerland, and selected international markets, with named customers including Qatar National Bank (QNB), alBara, and BNP Paribas Cardif. Distribution combines direct enterprise sales (with 'Request a demo' CTAs and custom solution discussions) with strategic channel partnerships such as the September 2025 UHF Solutions alliance for Pakistan market entry and African Week of Inclusive Finance (SAM) 2025 participation for African expansion. Jiway's go-to-market is reinforced by content marketing on regulatory themes (Luxembourg compliance, GCC KYC/AML) and thought-leadership at industry events such as the Temenos Community Forum.

The revenue model is software-licensing and subscription-based recurring revenue from MozaIK modules licensed to banks, with potential professional services revenue for implementation; pricing is not publicly disclosed. The firm operates with 11–50 employees from its headquarters in Windhof Koerich, Luxembourg, is ESR-certified for corporate social responsibility, and — following Intalio Group membership — benefits from the parent's wider distribution and resources while continuing to operate as an independent entity.

Name

Jiway

Legal name

Jiway S.A.

Website

https://jiway.eu

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Jiway S.A. is a Luxembourg-based FinTech software company that develops the MozaIK Suite — modular add-ons for document, workflow, and customer relationship management — which integrate with core banking systems to serve private and universal banks in Europe, the Middle East, Africa, and Pakistan, and now operates as a member of the Intalio Group.

Ownership category

akta.pro rank

Headquarters

HQ city

Luxembourg

HQ country

Luxembourg

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales

Revenue model

1. Software Licensing and Subscriptions: Revenue generated from MozaIK modular solutions licensed to banks, with modules designed to integrate with core banking systems. Revenue stream appears to be primarily subscription-based licensing with potential professional services for implementation.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Jiway develops and sells the MozaIK Suite, a modular banking software platform that delivers add-on modules (such as MozaIK Sports and ContactMaster) to banks and financial institutions. The modules integrate with existing core banking systems to extend digital capabilities, customer engagement, and vertical-specific functionality (e.g., sports banking) without requiring full core replacement. The product is sold to banks such as QNB, alBara, and BNP Paribas Cardif.

Product overview

Jiway offers a platform-plus-modules architecture centered on the MozaIK Suite. The MozaIK Suite provides modular add-ons designed to enhance any core banking system, with modules including ContactMaster and MozaIK Sports. These modules are built to improve banking operations, customer experience, and the quality of relationships between banks and their clients. The company also provides solutions for document management, workflow management, and business relationship management.

Differentiator

Problem solved

Functional benefit

Brands

• MozaIK Suite: Modular solution designed to enhance any core banking system, helping banks improve customer relationships and banking operations.
• MozaIK Sports

Products and services

• MozaIK Suite A modular banking software platform composed of add-on modules that integrate with banks' existing core banking systems to extend digital capabilities without requiring full core replacement. Sold to banks and financial institutions such as QNB, alBara, and BNP Paribas Cardif.
• MozaIK Sports A vertical-specific add-on module within the MozaIK Suite designed for sports banking use cases, enabling financial institutions to offer specialized banking products and services tailored to the sports sector.
• ContactMaster A contact management module within the MozaIK Suite that supports customer engagement and contact management functionality for banks and financial institutions.

Quantifiable outcome

• Modular solutions seamlessly integrate with core banking systems to enhance customer relationships

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered flagship and core.

• UHF SolutionsflagshipStrategic or Co-development Partner · 19 September 2025Landmark strategic partnership announced on September 19, 2025 in Dubai. UHF Solutions is Pakistan-based while Jiway is Switzerland-based. The collaboration aims to extend Jiway's innovative financial technology solutions leveraging UHF's strong local presence in Pakistan, marking Jiway's expansion into the Pakistan market.
• The Intalio GroupflagshipStrategic or Co-development Partner · 1 January 2025Jiway S.A. has joined The Intalio Group, bringing state-of-the-art financial products and cutting-edge digital transformation solutions under the parent company's umbrella. This acquisition enhances Jiway's resources and market presence.
• TemenoscoreTechnology or IntegrationJiway is a Temenos Exchange Partner and Solution Provider, participating in Temenos Community Forum events. This partnership enables Jiway to offer its MozaIK modules integrated with Temenos core banking platform.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Mambu: Cloud-native core banking platform increasingly extending into CRM and customer engagement. As a broader platform incumbent, Mambu competes for the modular add-on budget Jiway targets while also offering potential partnership opportunities.
• Salesforce Financial Services Cloud: Horizontal CRM giant with a dedicated financial services offering for banks and wealth managers. Competes for relationship management and client engagement budgets with far greater scale and brand recognition than Jiway.
• Pegasystems: Enterprise low-code platform with strong financial services vertical for CRM, case management, and workflow automation. Competes with Jiway's MozaIK workflow and document management value proposition at larger banks.
• Finastra: Large financial software vendor offering core, digital, and CRM-adjacent capabilities to banks globally. Competes with Jiway in the broader bank digital transformation space, particularly for European and emerging market banks.

Direct peers

• Backbase: Digital banking platform providing engagement banking and CRM-like capabilities layered onto core banking systems. Competes for the same bank modernization budget Jiway targets with MozaIK.
• Fenergo: Client lifecycle management and KYC/AML platform for banks and financial institutions. Competes for regulatory-driven workflow and client onboarding spend that Jiway also targets in GCC markets.
• Temenos: Global core banking platform vendor whose ecosystem Jiway is part of as an Exchange Partner. Temenos offers its own CRM and workflow modules that overlap with MozaIK, making it both a partner and a competing supplier to the same bank buyers.
• nCino: Cloud banking CRM and workflow platform serving commercial, retail, and wealth banks globally. Directly comparable to Jiway's customer engagement and relationship management focus on bank clients.
• Newgen Software: Provider of content services, BPM, and customer communication management for banks and financial services. Overlaps with Jiway's document and workflow management capabilities.

Regional players

• Intellect Design Arena: India-headquartered banking software vendor with strong presence in Middle East, Africa, and Southeast Asia. Comparable to Jiway's geographic expansion pattern in emerging banking markets and offers competing CRM, wealth, and digital channels products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/jiway
• Facebookfacebook.com/jiwayluxembourg

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jiway