About Us

Let the work speak.

Moberg /ˈmouːpɛrk/ — volcanic rock born where magma meets ice. The name fits: we do our best work where ambition meets hard constraints. Today we're a full-cycle digital partner — turning ideas into living, AI-powered products — built on a track record behind Iceland's market leaders.

In numbers

Engineering for real business impact.

50+
Engineers and analysts
60+
Solutions delivered
40+
Partners
13
Years in production
2
Countries · HR & IS
9/10
Icelanders use our products daily
3M+
Monthly transactions through systems we built
100+ TB
Data processed by our lakehouses
50%
Default-rate cut by our credit engine
100K+
App-store reviews of mobile products we built
Milestones

Thirteen years, in the making.

2013 · Founded

Three engineers, one fintech client

2015 · Fintech focus

Netgíró, Skilum, Aktiva · Alva group merger

2017 · Data practice

Credit decision engine

2022 · Strategic partnership

Kvika Bank acquires 40%

Read the story →
2023–2024 · Domain extension

Aquaculture, Tourism, Retail

2025 · Microsoft partnership

Data & AI designation

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2026 · AI in operations

AI-driven engineering & AIOps

2026 · Today

Second designation · Databricks partner · business MCPs

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All stories →

Josip Budimir
From the CEO

We build for the decade, not the demo.

"Software has never been easier to start — or harder to trust. Anyone can demo something impressive in a weekend; far fewer can still stand behind it in ten years. That gap is where we've chosen to build.

It's why we still run the first system we wrote in 2013, why a payment platform we built cleared its first fifty million transactions, and why a bank looked at the work and bought 40% of the company. Not the cheapest, not the loudest — just work that's still standing.

AI is rewriting how software gets made, and for teams disciplined enough to keep it honest, that's the opportunity of a generation. Our ambition is simple: move at the speed this moment demands, and still be proud of what we built a decade from now. First the right people, then the right work — the rest follows."

Josip Budimir
Founder & CEO, Moberg

Business development

Why clients choose us — and stay.

"Most companies don't lack ambition — they lack the evidence to act on it. So every engagement starts from the business case: where the growth is, what the data says about it, and which move actually changes the number. Data isn't a service line for us — it's how we decide what's worth building, for our clients and for ourselves.

That's the first reason clients choose us. The second is that we don't leave: we're ROI-minded — technology has to earn its keep, not just ship — so we stay to operate and evolve what we build. The third is range — proven methods carried across fintech, retail, aquaculture, e-commerce and hospitality, so you're not paying us to learn your problem from scratch."

Helgi Björn Kristinsson
Business Development Director

Helgi Björn Kristinsson
Mirko Budimir
From the CTO

Speed you can audit.

"Most of our speed doesn't come from working harder — it comes from not starting from zero. Every engagement runs on one method, the Moberg Delivery Framework, so the process is never the thing we're improvising.

On top of it sit our accelerators — the patterns we'd otherwise rebuild on every project, turned into battle-tested building blocks for messaging, background processing, data platforms and cloud foundations. A new product, or a newly acquired company, starts day one on infrastructure that already works — observability and audit trails included, not bolted on later.

And as AI rewrites how software gets built, MTK is how we keep it honest: our guardrails for AI-assisted engineering — spec first, tests second, AI-generated code third, every change reviewed and traceable. AI does more of the typing; we stay accountable for the result. Fast because the foundations are solid — never because we skipped them."

Mirko Budimir
CTO, Moberg

How we're organized

One company, clear ownership.

The Moberg team

Fifty-plus engineers, analysts and architects who believe good software is a craft — and that craft is a team sport. We ask why before how, argue in the open, and celebrate the wins that never make a slide: the migration nobody noticed, the model that quietly kept earning, the 3 a.m. call answered.

The work outlives the launch — so we build like we'll be the ones running it a decade from now. Because we will be.

Competence leads
Saša Kajfeš
Saša Kajfeš

Software architecture & design

A senior engineer schooled at Zagreb's FER, he has spent his career building Moberg's production systems — the architecture decisions still standing a decade later are usually his.

Domagoj Medo
Domagoj Medo

Cloud & infrastructure

A long-standing Moberg software engineer, he stands up and runs the environments client platforms live on — from first deployment to production, and the years after.

Dalibor Korpar
Dalibor Korpar

Accelerators & customization

A senior Moberg developer, he turns the accelerator platforms into each client's own system — the tailoring work between first deployment and go-live.

Andriy Zhubryd
Andriy Zhubryd

Data & AI

He led credit risk at Netgíró before taking charge of Moberg's data & AI delivery from Prague — models under his watch get defended in board meetings, not just in notebooks.

Ihor Protsiv
Ihor Protsiv

Digital strategy & consultancy

Co-founder of Moberg's data & AI practice and the consultant clients meet first — he turns board-level ambition into roadmaps the engineers behind him can actually build.

Croatia and Iceland
The geography

Croatia and Iceland — and why it works.

Headquartered in Zagreb, permanent presence in Reykjavík. Two small nations with similar instincts about quality, language and self-reliance. Icelandic clients get European-rate engineering depth they couldn't hire locally. Croatian engineers get a market that takes quality seriously and pays for it.

The longer story →

Values

What we believe in.

Value

Serious engineering

Every system we build is made to be examined — precise, performant, and still standing years later. In banking, healthcare and aquaculture, "looks right" isn't enough; it has to be right.

Value

Innovation with intent

We chase what could be — new tools, new methods, sharper ways to build — then prove it in production. Curiosity earns its place when it ships.

Value

Human connection

Technology serves people. Empathy guides the design, and the work is better when we build shoulder to shoulder — with our clients and with each other.

Value

Trust and transparency

Clear, open communication where ideas flow freely. If a project is at risk, you'll hear it in the next stand-up — not in a status report three weeks later.

Value

Kindness and respect

Engineering is at its best when it's done with care — for clients, for teammates, for the on-call engineer at 3 a.m. Respect isn't a perk; it's how we work.

Value

Grounded at every scale

However advanced the technology or the size of the impact, we stay grounded, keep learning, and keep listening. The work speaks for us.

Let's talk.

Whatever is on your mind — a plan, a question, a challenge — we're happy to think it through with you.

Get in Touch