Built on engineering. Driven by people.
Moberg /ˈmouːpɛrk/ — volcanic rock formed where magma meets ice. We like the metaphor: ambitious ideas, real-world constraints, and the craft to bring them together.
Experienced and motivated
Culture
First who, then what
Solid team of engineers, specialists, consultants and analysts — hired for character as much as capability, because we'd rather take longer than settle. Senior engineers mentor juniors, ideas are taken seriously wherever they come from, and most people stay for years.
Working at Moberg →Iceland × Croatia
An unlikely pairing that works
Headquartered in Croatia, at home in Iceland. We have built so much of what runs there — banking, payments, retail, aquaculture — that almost every Icelander has used something we made, most of them without ever hearing our name.
The friendship story →Core strength
Comfortable where it's complicated
Banking and payments, aquaculture, retail, real estate, telco, hospitality, healthcare — every one of them complicated in a different way. We learn the business first, work out where the hard problem actually sits, and build for that.
See our work →A brief history
2013
FoundedThree engineers, one idea: Icelanders paying with nothing but a phone. Netgíró became a national payment method — and we still build it.
2015
The Alva yearsWe became the engineering arm behind the Alva group's Icelandic fintechs: Netgíró, Aktiva, Mynta and Skilum.
2017
First ML in productionOur first Credit Decision Engine cut risk losses nearly in half, over five model generations.
2021
Kvika acquires sharesKvika acquired Netgíró — and with it a 40% stake in Moberg, the company that built it.
2023
Industries widenBeyond fintech into aquaculture, retail, real estate, telco, hospitality and healthcare.
2025
Microsoft partnershipRecognized as Solutions Partner for Data & AI (Azure) in the Microsoft AI Cloud Partner Program.
2026
AI-driven engineeringEmbracing AI with the toolkits that encode how we build, so it speeds delivery without eroding quality.
In their words
“Software has never been easier to build — or harder to trust. We believe the real measure of good engineering is what still stands years later. AI gives us the opportunity to move faster without compromising that standard. We want to build things we'll still be proud of a decade from now.”
Josip Budimir
Founder & CEO
“Great technology starts with a clear business opportunity. We use data to find where the value is and focus on what will move the needle. And we don't stop at delivery. We stay to evolve what we build, bringing proven experience across industries to help our clients move faster and create lasting value.”
Helgi Björn Kristinsson
Business Development Director
Moberg by the numbers
13
Years in production
60+
Solutions delivered
45
Engineers, specialists and analysts
3M+
Monthly transactions through systems we built
100+
TB of data processed by our lakehouses
9/10
Icelanders use our products daily
What we believe in
Engineering excellence
We hold ourselves to a high technical standard — not because it's required, but because we care. Every system we build should work well, be understood, and hold up over time.
Clear communication
We say what we mean. We flag problems early. We don't hide complexity behind jargon, and we don't promise what we can't deliver.
Mutual respect
We treat clients, partners, and colleagues as equals. We ask hard questions, welcome challenge, and assume good intent.
People first
The right team matters more than the right plan. We hire carefully, invest in our people, and build relationships that last beyond a single engagement.
