Vilja Platform is made for digital banks and digital initiatives that want to deliver superior financial services with speed and efficiency, without complex technical projects. The solution covers the full lifecycle of lending and savings operations, and is built with a composable design, allowing you to quickly deploy a complete flow, or select the modules that best fit your needs.
Your new initiative is quickly up and running and you can spend your effort on refining and iterating instead. We have a 100% successful implementation rate to back it.
Two core components driving the central features of all financial services - asset control, interest calculation and risk management.
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.
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.
Vilja Platform allows you to choose any AI provider, adopting a "BYOAI" approach to AI integration that makes it possible to conform to existing and future regulatory requirements - or if you just want to get started you can go with our default choice: EU-hosted, compliant and secure.
Our integrated agent Vilbot supports you directly in the Workspace, with human-in-the-loop approvals, but is also fully MCP compliant, letting you work through your favourite agent and still get access to all the tools from the Vilja Platform.
Microservice architecture running on Kubernetes container orchestration. Modular by design with API-first connectivity. The result? Deploy together or independently. Integrate best-of-breed solutions seamlessly. Scale what you need, when you need it. It's the flexibility modern banking demands.
Choose your full stack or pick specific modules. Our open REST APIs enable plug-and-play integration with payment gateways, identity providers, regulatory reporting tools, and any third-party service your business requires. Build exactly the banking experience you envision without platform constraints.
Our solutions are built for flexibility. Run your operations across multiple clouds, globally or locally. Powered by a Kubernetes-based microservice architecture, they adapt to your cloud strategy and ensures reliability, scalability, and compliance whether you choose public or local cloud providers, or both.
With years of experience and passion for making our customer succeed, we are proud of our customer relations.
Our cloud-native core banking platform is delivered as a fully managed SaaS solution and offers a wide range of prepackaged solutions – deposits (term deposits and overnight) and loans (SME loans, Consumer Loans, Revolving Credits, Mortgages).
Our composable design enables you to choose to cover the full customer lifecycle from Onboarding & KYC, Origination & Scoring to CRM & Servicing or start with one module and expand from there.
Yes, Vilja Platform is a cloud-native platform offering services on top of multiple cloud supplier infrastructures.
Vilja Platform features a Kubernetes-based microservice architecture, modular components, and an API-centric design that enables flexible deployment, integration, and automated workflows in the cloud.
Vilja Platform is a modern, cloud-native banking platform that offers a full end-to-end solution in a composable design.
Vilja takes full responsibility throughout every stage of the implementation to ensure a safe and secure go-live. The platform is built for automation, self-service and configuration, making the overall TCO low.
Vilja has a record-high NPS (Net promoter Score) of 67.
Yes, Vilja Platform has existing integrations to a number of third-party financial services and an integration framework that allows you to extend it. ISO20022 messaging allows you to exchange payment information with payment providers and partners, and the template-based framework allows great flexibility.
Vilja Platform is built on a microservices architecture (MSA) deployed on Kubernetes, enabling horizontal scaling on demand. Each service can scale independently based on load, ensuring optimal resource utilization and the ability to handle growing transaction volumes without disrupting other parts of the system.
This cloud-native approach allows the platform to seamlessly adapt to changing business needs, from startup volumes to enterprise-scale operations.
Yes, Vilja Platform offers a full end-to-end solution from Onboarding & KYC, Origination & Scoring to CRM & Servicing. Our composable design enables you to choose the end-to-end approach or start with one module and expand from there.
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.
• 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
