Deposit
Lending

Modern banking, without complexity

Core banking that keeps up with your ambitions.

Built for AI

01

Smarter support

Draft replies, translate conversations, and maintain your brand voice, all with AI assistance. Your team sends better messages in less time, in any language.
02

Know your customer

Spend less time reviewing customers. Vilja’s AI understands the customer profile and their transactions, assisting you in getting the full picture in seconds.
03

Understand your business

Create custom charts by simply asking. Describe what you want to understand about your portfolio, and Vilja's AI builds the view.

Modern banking.
Delivered. Not assembled.

Choosing a core banking platform is a decision about safety, control and execution. You need a partner you can trust to deliver on time, on budget and to the highest standards.

Vilja Platform helps banks and digital banking initiatives launch, transform, and grow without complex technical projects.

While many vendors provide a tech stack for you to assemble, Vilja gives you pre-configured, yet composable modules — ready to plug and play. Decide which modules and which partners fit your needs. We handle the complexity.

A platform built for growth, with a partner proven in execution. Backed by a 100% successful implementation track record.

Customer stories

Deposit
BNP Paribas Personal Finance selected Vilja’s cloud-native core banking platform for their saving account offerings.

Vilja has a long-standing partnership with BNP Paribas Personal Finance, having built the core banking platform for SevenDay Bank from scratch in 2007. The bank was acquired by BNP Paribas Personal Finance in 2017. In 2023 they decided to migrate to cloud-native Vilja Platform.
Deposit
Myntro is redefining the non-performing loan market with an automated, data-driven approach — and needed a banking platform who could scale just as fast, across two markets at once.
With Vilja Platform, Myntro launched deposit products in Germany and Sweden with the flexibility to adapt to each market, and workflows automated for both customers and employees.
The result: full operations in two countries in just six months, on time and on scope.

2

Operational in two markets

6

months to go-live

100%

Delivery success
Deposit
Qliro is a fast-growing fintech company providing digital payment solutions for both Enterprise and SME merchants, with a primary focus on e-commerce. With Nordics as their core market, Qliro has an ambition to expand in Europe.

Vilja powers Qliro’s accelerated growth with migration to its modern, cloud-native core banking platform.

Our solution in numbers

#1

banking platform in the Nordics

23

banks running on the platform

12

weeks from project to go live

100%

delivery success rate

40%

lower running cost

67

Net Promoter Score

Recognitions

Recognized by the world's leading
core banking analysts.
Named a Challenger in Gartner Magic Quadrant, Core Banking Platforms, 2026
Recognized as a Major Player in IDC MarketScape, Core Banking Platforms 2024
Recognized as a Major Player in IDC MarketScape, Core Banking Platforms 2024
Recognized as a Major Player in IDC MarketScape, Core Banking Platforms 2024

Benefits

Built for flexibility

Choose the full end-to-end solution or just the modules you need. Our composable banking solution covers the entire lifecycle of savings and lending operations — flexible by design.

Grow on your terms

Start small and scale effortlessly. Add new solutions whenever you need them, enabled by modular architecture and a pay-per-usage model.
star

Work smarter

Free up time for what matters most. High automation and self-service let your team focus on core business growth.

Proven delivery

Reduce complexity and launch with confidence, with pre-configured solutions ready for plug and play. Backed by a 100% successful implementation track record.

Stay future-proof

Remain relevant in a fast-changing ecosystem with purpose-built APIs, cloud-native technology, and a SaaS solution that always keeps you on the latest release.

Security and control

Reduce risk and complexity with built-in security and a strong focus on compliance.

Two powerful solutions.

Two core components driving the central features of all financial services - asset control, interest calculation and risk management.

Deposits

A deposit platform built for fast market entry and international growth. Deposit enables self-service product setup, automated operations, and access to funding across markets — so you can launch quickly and scale without added complexity.

  • Fully end-to-end
  • Fast up and running
  • Localized to every market

Lending

A complete lending platform covering the full loan lifecycle. Supports everything from SME and consumer lending to complex asset-backed loans — from application to final invoice, fully configurable and compliant.

  • Seamless integration into your ecosystem
  • Highly configurable
  • Automation as a core principle

What customers say

With years of experience and passion for making our customer succeed, we are proud of our customer relations.

We are delighted to announce that we have selected Vilja Deposit. This is a continuation of our long-standing, strategic partnership with Vilja. Our primary objective is to ensure that our customers continue to receive exceptional deposit offerings. Vilja has demonstrated the necessary expertise and commitment to fulfill our requirements.
Annika Olsson, Nordic CEO
BNP Paribas Personal Finance
By partnering with Vilja, HoistSpar can launch deposit products with flexibility and speed for the German market, and offer our customers a digital and seamless experience. We have a long-term cooperation with Vilja and look forward to continuing our journey together.
Max Ehrengren, Head of Treasury
Hoist Finance
Financing through deposits offered to the general public provides a scalable and cost-effective financing alternative. We chose Vilja because they are the market leader, and we value their speed and agility. The benefits of a cloud-based delivery model—scalability, lower total cost of ownership (TCO), and enhanced security—are also key reasons for our decision.
Regina Rasmanis, COO
Rediem Capital
After receiving approval from Finansinspektionen and becoming a credit market company, we needed a deposit solution capable of supporting our rapid expansion with speed and automation. Following a thorough evaluation of various vendors, we chose Vilja for its well-proven, modern, and highly functional solution, combined with a strong operational focus and high security standards that met all our criteria. The project was delivered on time and within budget. Johan Rutgersson, Chairman at Fedelta 
Johan Rutgersson, Chairman
Fedelta
A modern solution that enables our growth by seamless integrations with new business partners is crucial for us to offer our customers the market’s most transparent and competitive savings offerings. We are happy to have chosen Vilja as they understand our business, and their platform delivers on their promise.
Adam Lewenhaupt, CCO
Borgo
We needed a modern platform that could support our rapid expansion with speed, automation, and increased flexibility, while also lowering the total cost of ownership. The migration to Vilja Platform was executed flawlessly, delivered on time and within budget.
Christoffer Rutgersson, CEO
Qliro

Let’s have a chat

Ready to take the next step in learning how to build a bank for the future? We understand you might have a few questions and would love to answer them for you. You have our 100% commitment.

Get in touch

Deposit Accounts

Vilja Deposit – Power and control your cash inflow

• Superior customer experience: Modern “My Pages” built for self-service and automation
• User friendly and extensive back-office: Designed for easy product management, smooth servicing and rich compliance functionality
• Complete end-to-end solution with modular approach: Cover the full customer life cycle, KYC & servicing, both at onboarding and recurring