We are Vilja

We are the leading digital core banking platform. And our banking platform is lots of things. Fit-for-purpose. Compliant. Modular. Automated. API-first. And Cloud-native.

It’s all designed to keep you ahead of your competitors. By giving your bank better building blocks to work with.

Shaping the future of banking. Together.

Our Story

It all started back in 2007. Five seasoned IT and banking experts thought there was a better and more cost-efficient loan and deposit system waiting to happen. So we started working. We’d eventually built a new banking system from scratch, free of legacy baggage. And we realized that we’d made something unique to the market.

Today, we offer a cloud-native core banking platform with the mission of enabling our customers to deliver world-class banking products and services.

We are the market leading cloud-native core banking platform in the Nordics with installations across Europe. And we are growing rapidly with a mission to expand across the globe.

Whether it’s an end-to-end approach or in a modular fashion. That’s up to you. We ensure that you run on a standardized platform, on the latest release, and easily can configure the platform to meet your specific needs.

That’s our story, and we’d love you to be a part of it.

Our Mission

Our mission is singular.

“Enable banks and financial institutions to offer superior digital banking products and services by providing the best core banking technologies.”

The banking industry is ever-changing and to meet the customers demands you need a future-proof platform – without any tech-debt. A platform that can continue to grow with your business, and help you stay ahead of competition.

Our Values

When it comes to your success, we know that our values are just as important as our software. That’s because our values motivate everything we do – from our code, to our cloud infrastructure, and our commitment to customer relationships. And all of our values are about helping you be as successful as possible.

We are innovative

To keep you ahead of the pack, we are committed to continually challenging conventions, evolving systems, and developing the best software in the industry.

We are committed

We combine a culture of listening, understanding, and acting, with a passion for the work we do – and a commitment to your success.

We are trustworthy

Acting with responsibility, honesty and accountability is a core part of our DNA. We keep our word; and we do it in a positive, thoughtful, and friendly way.

Our Team

Fredrik Ulvenholm


Robert Pettersson

CSO and GM subsidiaries

Pernilla Karsberg


Edward Xie


Anders Mårtensson

VP Sales

Madeleine af Ugglas


Mats Nordgren


Erik Nyfelt

VP Tech Operations

Board of Directors

Greger Fellin

Bengt Nilsson

Marianne Kjeldgaard Knudsen

Matthew Doerner

Leif Lindqvist

Lars Johansson

Contact us

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.

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