# 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 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 — 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 — halving risk losses, then 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 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 attains the Solutions Partner for Data & AI (Azure) designation in the Microsoft AI Cloud Partner Program — recognising 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 — the partnership that 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 modernization question — different 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 — and quietly improve 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 digitalization: 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 — and 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, 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