# Moberg

> An engineering company delivering software, data and AI solutions. Founded in 2013,
> headquartered in Zagreb, Croatia, with a second office in Reykjavík, Iceland.
> Around 45 engineers, specialists and analysts.

Moberg builds and runs digital products, data platforms and AI systems, and stays
on the systems it builds. Several partnerships have run for more than a decade.
Industries served: Fintech & banking, Aquaculture, Retail & e-commerce, Hospitality & travel, Telco & media, Healthcare.

## Services

- [AI](https://moberg.hr/ai): AI MCPs over existing systems, customer-facing and internal assistants, ML and AI Ops with governance.
- [Data Solutions](https://moberg.hr/data-solutions): Digital and data strategy, business intelligence and analytics, data science and data engineering.
- [Software](https://moberg.hr/software): Discovery, design and architecture; backend and frontend development; cloud infrastructure, DevOps and security.

All three follow the Moberg Delivery Framework: Innovate, Engineer, Accelerate, Scale.

## Company

- [About](https://moberg.hr/about): History from 2013, leadership, values and figures.
- [Careers](https://moberg.hr/careers): Open roles, benefits and the selection process.
- [Contact](https://moberg.hr/contact): Offices, phone numbers and enquiry form.
- [Croatia and Iceland](https://moberg.hr/croatia-iceland-friendship): Why the two markets.

## Case studies

- [Icelandic telco: Master data management for €40 a month](https://moberg.hr/stories/case-studies/icelandic-telco-master-data): A governed master-data write-back loop driven from chat: human-confirmed, fully audited, and about €40 a month in net-new running cost.
- [Icelandic telco: An AI-native data platform](https://moberg.hr/stories/case-studies/icelandic-telco-ai-native-platform): An Icelandic telco and media group replaced a legacy warehouse estate with a self-running Databricks lakehouse: AI on both sides of the platform, and roughly half the run-rate.
- [Croatian telco: Accessible mobile app](https://moberg.hr/stories/case-studies/telco-accessible-app): A Croatian operator's self-service app, rebuilt in Flutter: one codebase across iOS and Android, designed to WCAG AA and tested with the screen readers people actually use.
- [Straumur: A payment facilitator built from an empty repository](https://moberg.hr/stories/case-studies/straumur): Onboarding, processing, settlement, portals and APIs, written from an empty repository. From kick-off to live money in about seven months, and 50M+ transactions in the first eighteen.
- [Aur: Icelandic mobile finance app](https://moberg.hr/stories/case-studies/aur): Cards, payments between friends, shared costs, cashback and a merchant marketplace in one Icelandic app. Flutter on the front, .NET and PostgreSQL on AWS behind it.
- [Gaveia: One backend, four booking platforms](https://moberg.hr/stories/case-studies/gaveia): Four holiday booking platforms across Croatia and Slovenia, all standing on one core business system: the properties, the prices, the internal tools, and now the AI that answers travellers.
- [Hópkaup: Icelandic deals and offers website](https://moberg.hr/stories/case-studies/hopkaup): A redesigned storefront built in Next.js, with checkout, sign-in and a BI dashboard behind it: the core system the business runs on.
- [Sidekick: Revolutionizing Digital Healthcare](https://moberg.hr/stories/case-studies/sidekick): A digital health platform built on gamification and behavioural science, scaled with senior engineering across four mobile products.
- [Kvika: Five generations of a credit decision engine](https://moberg.hr/stories/case-studies/credit-decision-engine): Netgíró's credit decisions moved from a bureau score and human judgement to models that learn. Risk losses halved, and the engine kept improving through five model generations without a single rewrite.
- [Netgíró: Iceland's national payment method](https://moberg.hr/stories/case-studies/netgiro): Iceland's leading buy now, pay later platform, built and scaled over more than a decade of partnership.

## News

- [Moberg achieves Microsoft Solutions Partner for Digital & App Innovation (Azure)](https://moberg.hr/stories/blog/microsoft-digital-app-innovation): Moberg's second Microsoft designation, recognising the product engineering behind our platforms, portals and apps, from the open-source Warp framework to the Industry Accelerators.
- [DATAFLEX: Adaptive energy management](https://moberg.hr/stories/blog/dataflex): An EU-funded project developing adaptive energy management for data centres in the power grid, so a data centre can offer flexibility back to the network rather than only draw from it.
- [Moberg is a Databricks partner for consulting and solution implementation](https://moberg.hr/stories/blog/databricks-partner): Lakehouse architectures, pipelines and AI workloads: certified people and production platforms behind the badge.
- [Moberg achieves Microsoft Solutions Partner for Data & AI (Azure)](https://moberg.hr/stories/blog/microsoft-solutions-partner-data-ai): Moberg has earned the Solutions Partner for Data & AI (Azure) designation in the Microsoft AI Cloud Partner Program, which recognises technical excellence and delivery on Azure.
- [Kvika acquires 40% of Moberg](https://moberg.hr/stories/blog/kvika-partnership): When Kvika acquired Netgíró in January 2021, the bank also took a 40% stake in the company that had built it. That partnership lifted Moberg to a new level.

## Blog

- [MTK: AI-driven development, held accountable](https://moberg.hr/stories/blog/mtk): AI now writes a serious share of our code. MTK is how we make sure that it never lowers the bar: spec first, tests second, AI-generated code third, every change reviewed and traceable.
- [Microsoft Fabric vs Databricks: a high-level overview](https://moberg.hr/stories/blog/fabric-vs-databricks): Two strong answers to the same modernisation question, differing in architecture philosophy, operating model and audience. A neutral comparison across the dimensions that actually decide it.
- [How we handle rapid changes in development caused by AI](https://moberg.hr/stories/blog/handling-rapid-ai-changes): The pace of change in AI is genuinely fast. Here's how we keep our engineering grounded while quietly improving faster than the noise around us.
- [The importance of accessibility and inclusive digital products](https://moberg.hr/stories/blog/accessibility-inclusive-products): Accessible products reach more people, perform better, and meet the regulations that increasingly require them.
- [Aquaculture digitalisation: Boosting businesses with data-driven decisions](https://moberg.hr/stories/blog/aquaculture-digitalization): How digital systems, real-time monitoring, and data platforms are transforming aquaculture operations from feeding to traceability.
- [Mentorship matters: Empowering young talents & building a strong engineering culture](https://moberg.hr/stories/blog/mentorship-matters): How we think about mentorship at Moberg, and why we believe it's how good engineering cultures actually compound over time.
- [The chaos of data: How to ensure success when introducing a new tech stack](https://moberg.hr/stories/blog/chaos-of-data): A new tech stack alone won't fix reporting challenges. Clear business requirements will. Here's how we get there.
- [A day in the life of Moberg's frontend team lead](https://moberg.hr/stories/blog/frontend-team-lead-silvio): From Senior React Developer to Frontend Team Lead: Silvio on the move from individual contribution to leading and growing a team.
- [Beyond fintech: what we learned while building across complex industries](https://moberg.hr/stories/blog/beyond-fintech): We came to aquaculture, retail, telco and hospitality from payments. Almost everything that made fintech hard turned out to be worth having somewhere else.
- [The story about our fintech factory](https://moberg.hr/stories/blog/fintech-factory): From 2015 the Icelandic group behind Netgíró assembled a portfolio of fintech ventures (Netgíró, Aktiva, Mynta and Skilum), and Moberg was the engineering arm that built every one of them.
- [Where it all started: Three engineers, one fintech product](https://moberg.hr/stories/blog/where-it-all-started): In 2013 three engineers took on one client with one idea: let Icelanders pay with nothing but a phone number. Netgíró became a national payment method, and we have run it ever since.

## Notes

- All stories are listed at https://moberg.hr/stories and can be filtered by type, solution and industry, for example https://moberg.hr/stories#case-studies or https://moberg.hr/stories#ai.
- Case study, News and Blog are the three content types.
- Legal details: https://moberg.hr/impressum