Together, we are raising the bar

We make digital banking personal. Already serving +65 million consumers in 30 countries.

Our Story

Meniga is transforming the way banks and advertisers use transaction data. We do this by helping people becoming smarter consumers with great products. With our current implementations worldwide we are already serving +65 million digital banking users.

We are a team of coders, designers, salespeople and data scientists who get excited about shaping the future of financial technology. We work with complicated solutions that operate across channels, are modular and customizable for every client. If you love big data, predictive models, analytics, operational benchmarking and getting the job done we’d like to hear from you.

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Key Facts

Enriched Transactions
Daily Processed Transactions
North America
Meniga Map

Awards & Recognitions

Meniga employees work hard to make a difference through our solutions around the world. We’re honored when organizations recognize us for our innovation, business practices and people.

Best of Show 2011, 2013, 2015 & 2018
Best of Show 2011, 2013, 2015 & 2018
Best of Show 2011, 2013, 2015 & 2018
Best of Show 2011, 2013, 2015 & 2018
Best of Show 2011, 2013, 2015 & 2018
World Summit Award
FinTech 50
FinTech 50
Deloitte 2015 - 500 Technology Fast
European FinTech 100
European FinTech Awards 2017 Winner
FinTech 100
Fintech 50
WhiteBull Winner 2017
Icelandic Web Awards 2017
Icelandic Web Awards 2017

Leadership Team

Driving continued growth, success & achievement

Our management team is led by our CEO Georg Ludviksson, a Harvard MBA graduate and co-founder of Meniga. Our team is passionate about using data to drive business decisions and their broad experience ranges from top-tier consultancy firms to senior banking positions and the startup accelerator scene.

Georg Ludviksson
Chief Executive Officer
& Co-Founder

Viggo Asgeirsson
Chief HR Officer
& Co-Founder

Benedikt Einarsson
Chief Financial Officer

Jakub Piotrowski
CRO & Head of Customer Engagement

Paweł Rządziński
VP of

Björn Ingimundarson
VP of Engineering

Áslaug Sigríður Hafsteinsdóttir
VP of Professional Services

Asgeir Orn Asgeirsson
Chief Technology Officer
& Co-Founder

Bragi Fjalldal
& VP of Business Development

Kristófer Einarsson
VP of Technical Consulting

Finnur Magnússon
VP of Product

Advisory Board

Chris Skinner

Chris Skinner is best known for his work as independent commentator on financial markets for The Finanser ( and as chair of the European networking forum The Financial Services Club, which he founded in 2004. The Financial Services Club is a network for financial professionals that focuses on building the future of financial services through research, analysis, commentary, and debate.

Chris Skinner

Independent commentator at

Duena Blomstrom

Duena Blomstrom is an independent digital banking consultant, FinTech specialist, and blogger. For the past 18 years, she has worked as a strategist and consultant within the telecom and finance worlds. Duena is on a crusade to teach the FinTech industry that stilted, corporate language will get us nowhere. She is passionate about getting financial institutions to embrace the concept of "emotional banking" and to stop thinking about feature sets and start thinking about customers' feelings.

Duena Blomstrom

FinTech and Digital Experience specialist

Bradley Leimer

Bradley Leimer is a thought leader and practitioner in the digital banking space. His focus is on developing and integrating technology applications and partnerships geared toward improving the client experience and profitability of digital channels. Most recently leading innovation at Santander Bank N.A., he has added perspective leading marketing and technology efforts within the bank and credit union industry

Bradley Leimer

Thought leader and practitioner in the digital banking space

Breki Karlson

Breki has been giving lectures and consulting on research in Iceland and internationally since 2005. He has authored textbooks and a national TV series, and has a weekly radio segment on RUV, Iceland's national broadcast service. He has advised policy-makers, written reports for parliamentary committees, and designed surveys that have been used to inform the Organization for Economic Cooperation and Development (OECD).

Breki Karlson

Founder, CEO The Institute for Financial Literacy

Daniel Gusev

Daniel Gusev is a Managing Partner at Digital Space Ventures. He is an Entrepreneur, influential digital banking fintech blogger and banker with successful innovation results for leading large banks in Russia. Daniel also founded Finfit, a smart and personal financial-fitness coach the helps you focus on what’s truly important and an advisor with numerous high-growth potential startups.

Daniel Gusev

Managing Partner at Digital Space Ventures

Featured Partners

Meniga is based in Iceland, Sweden, Poland and the United Kingdom but works with carefully selected partners worldwide to implement its award-winning ecosystem.

Luce Innovation
MDM Technologies

Become a Meniga partner!

Board of Directors

Willem Willemstein

Through his investment company Velocity Capital, Willem Willemstein invests in real estate, public markets, and venture capital. Velocity Capital Private Equity is his, fully owned, venture fund that invests in early stage financial services technology companies across Europe, Asia, Africa, and the US. Before Velocity Willem was co-CEO of Petroplus that he co-founded in 1993. Before Petroplus, Willem had a successful career as a corporate banker at ING. Willem holds a BSc degree with honours from the HEAO business school in The Hague. He holds a MBA degree from Erasmus University in Rotterdam and the William E. Simon School of Management of the University of Rochester (New York, USA).

Willem Willemstein

CEO Velocity Capital

Allard Luchsinger

Allard joined Velocity Capital Private Equity in 2011. Velocity is a Dutch based venture capital firm that focuses on early stage fintech companies. In 2006, Allard co-founded, San Francisco based, online stock-broker Zecco. He served as COO of Zecco until 2010. Zecco, a Velocity portfolio company, merged with Tradeking and sold to Ally Financial in 2016. Allard was associate partner at the Dutch strategy-consulting firm Boer & Croon. Before Boer & Croon Allard was co-founder and CEO of, an online B2B market place for the trade in new passenger cars. Allard holds an MSc Management degree from the London School of Economics. He also holds a MA Political Science and Philosophy from Leiden University.

Allard Luchsinger

Director at Velocity Capital Private Equity

Danielle Neben

Danielle is a consultant at Maresias and Fidelio Partners. Previously she was in banking for 23 years in 8 countries: 20 years at HSBC and then Board Member at Landsbankinn. In addition to being a Board Member at Meniga, she chairs the Investor Relations Society of Iceland and is a Board Member at FKA (Association of Women Business Leaders in Iceland)

Danielle Neben

Consultant at Maresias and Fidelio Partners

Gustaf Sköld

Gustaf Sköld joined Industrifonden in 2013 where serves as an investment Manager and technology analyst. Prior to joining Industrifonden, he worked for Ernst & Young in corporate finance, M&A, and management consulting, where he was involved in numerous transactions and exits. Gustaf serves on the board of Agreement24, Nextory, ScandiNova, Starcounter and Qapital. He holds a Master of Science in Corporate and Financial Management from Lund University.

Gustaf Sköld

Investment Manager at Industrifonden

Svana Gunnarsdóttir

Svana has extensive experience in founding and operating start-ups along with leading several international mergers and acquisitions. She sits on the board of the companies in the Frumtak portfolio. Svana lived in the Netherlands for 18 years and moved back to Iceland in 2009. Svana has an international MBA from Nyenrode University in the Netherlands. Part of the program was taken at the Kellogg School of Management in USA and at the Stellenbosch University in South Africa.

Svana Gunnarsdóttir

General Partner and co-founder of Frumtak Ventures

Helga Hlín Hákonardóttir

Helga Hlín Hákonardóttir hdl. is an attorney at law and certified securities broker, with over 20 years of experience in the international financial services industry and legal consultancy. She is a co-founder of Strategía - a management consultancy boutique for investors, board members and executives. She also serves as a non-executive director for various companies, such as VÍS (insurance), Festi (retail) and WOW air (airline).

Helga Hlín Hákonardóttir

Partner and Consultant at Strategía ehf. and Lixia ehf.

Ásgeir Örn Ásgeirsson

Ásgeir is responsible for the technical architecture, development and operation of Meniga’s solutions. Ásgeir holds a CSc degree in Electric Engineering from the University of Iceland and MSc degree in Investment Management (MSIM) from Reykjavik University and has 20 years of experience of software development and management of top-tier software development teams. In his previous role at Landsbanki, Ásgeir led the team responsible for developing Landsbanki’s world-class online banking solutions for over 3 years. Ásgeir has encyclopedic knowledge of the technical infrastructure of financial institutions.

Ásgeir Örn Ásgeirsson

Co-founder and CTO of Meniga

Brochures & Case Studies


Meniga’s Product Brochure

Meniga is helping leading banks around the world personalise their digital customer experience, increase engagement and create new business models through innovative technology and solutions.

Download Brochure

Meniga's Customer Reference Document

Meniga is proud to work with some of the largest and most innovative banks in the world. This document provides insights into some of our recent implementations.

Request Document

Case Studies & Presentations

Innovating with Open Banking

Insight paper

Open Banking revolution, sparked by new data laws and new players, is forcing banks to up their game. See how innovative use of customer financial data and select partnerships are now key if banks are to survive and prosper.

Download Insight Paper

Data-driven Business Models in Digital Banking

Insight paper

Banks face a wide-open opportunity to develop new business models by using data. See how banks can drive deeper engagement and build new revenue streams through personalised Card-Linked Offers and Market Insights.

Download Insight Paper

Meaningful Engagement In Digital Banking

Insight paper

Banks can learn a lot from the user experience of Facebook, Fitbit & other digital leaders. See how banks can develop meaningful engagement in their digital channels.

Download Insight Paper

The Meniga Supermarket Report: CLM prevents cannibalization of current customers

The Meniga PFM Report: How we managed to get more than 25% of households in Iceland to use Meniga

Meniga helped an upscale supermarket chain increase monthly sales to its loyal customer base. This case study outlines how Meniga can help merchants execute advanced uplift campaigns. Our post-campaign report revealed an average net individual spend increase of close to £20 (post discount and campaign fees) over a two-month campaign period - delivering a phenomenal campaign ROI.

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Helping fast-food merchants acquire the best customers

The Meniga Fast-Food Report: How we help SMEs with more cost affective marketing

Meniga helped FastCo acquire high-spending customers and retain them following a highly targeted card-linked marketing campaign. This case study explains how 60% of the customers who redeemed an offer were successfully converted into long-term customers and how they went on to spend, on average, 50% of what they did during the campaign.

Request Case Study

Meniga PFM Case Study

Meniga PFM solution, an instant success in Iceland

Meniga launched the first PFM solution in Europe in 2009 with Íslandsbanki, an Icelandic retail bank with 25% market share in Iceland. Meniga has been extremely well received by the bank‘s customers and employees alike.

Request Case Study

Meaningful Engagement In Digital Banking


Banks can learn a lot from the user experience of Facebook, Fitbit & other digital leaders. See how banks can develop meaningful engagement in their digital channels.

Download Infographic

"We have never given as high cashback discounts in any system. The reason we can, and love doing so, is because the solution can track if we are getting revenues from current or new customers based on transactional data."
“That's the key.” - Proud SME CLM Client


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Press Center

Latest Press Releases


Meniga introduces Dialog, a new way for banks to engage with customers using highly personalized advice and product suggestions. See the on-stage presentation at Finovate 2016. Using machine learning and big data analytics, Dialog provides deep insights into customers’ behaviour. Banks can then offer rich deeply personalised conversations through any channel of communication to deliver useful and relevant information and support. Banks can improve their customers’ financial health by offering appropriate and timely advice at a personal level.

Read the full story

Meniga has been awarded a global contract to deploy Personal financial Management (PFM) across Santander Group markets. Under this agreement, Meniga and Santander will work together to bring ‘a best in class’ innovative PFM solution to their clients around the globe. The agreement is the largest of its kind in the PFM industry.

Read the full story


Meniga has been recognized as one of the most innovative Fintech companies in the world in the newly published annual report Fintech 100: Leading Global Innovators. The report is a collaborative effort between fintech accelerator H2 Ventures and international financial services company KPMG.

Read the full story

The Mooverang application, which is powered by Meniga’s award-winning personal finance management platform, was recently recognized at the Fintech Paris Forum, the main French fintech event of the year, for dedication to helping consumers improve their financial lives.

Read the full story

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Find out why top-tier financial institutions all over the world choose Meniga’s products for Personal Finance Management

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