Behind the Scenes: How we're building the future of business banking – with CTO and co-founder Anders Orsedal

Building the future of business banking means never standing still. In 2025 alone, Juni’s team delivered over 100 product improvements and launches, both big and small. But what exactly is happening behind the scenes? We asked our CTO and co-founder, Anders Orsedal, to open the doors to our product and tech teams. Join us for an exclusive insight into how they transform customer feedback into concrete tools and build the business bank of the future, one feature at a time.

Delivering a high volume of improvements and features in one year is evidence of an incredibly high tempo. For many fintech companies, the major challenge is balancing this speed with high quality.

"This is a central focus for us, to be able to work as fast as possible, you must ensure you maintain the highest quality possible. Otherwise, your technical debt grows successively, and eventually, you're just fixing things that don't work. To achieve this, we work in small, manageable steps and break down large features into smaller deliverables, allowing us to provide value early in the development process and work iteratively. When we release a feature, we can decide that it should be available to a specific test group. For instance, we test a lot internally because we use Juni ourselves constantly," Anders says, and continues:

"Ownership is also very important, it's ingrained in our culture. We work according to 'you build it, you run it,' meaning you are responsible for your code, testing it, and monitoring it once it goes into production. This creates a greater incentive to do something very well, and there's no finger-pointing between different departments."

Agile and Nimble – development doesn't mean moving mountains

Juni always strives to be agile and nimble. Anders describes how they work practically to maintain this and avoid becoming a slow organisation.

"We work with small teams that can operate as autonomously as possible and not be dependent on other teams. This is something we’ve also improved with clearer ownership and clearer domain separation. We have built the platform so that you should be able to work with your features without affecting the features of other teams," Anders says, and continues:

"In larger organisations, they often work by ordering features and updates and then trying to secure resources for them from various places and teams. Instead, we set clear strategies and an overarching roadmap for each team. We then work based on the resources we have, prioritising according to value versus effort. This way, the teams have the resources they need within each team and can work more effectively."

This speed is not just an internal preference, it's an absolute necessity to challenge traditional players.

"We must build something better than the old banks. Traditional banks have an enormously large market share and are in a comfortable situation where they don't need to innovate in the same way. To compete and win over them, we must build something better. We must be faster and more innovative, otherwise, we will never get to them," says Anders.

Tab Technology – the fastest integration they had seen

A perfect example of this agility in practice was the rapid collaboration with the smart receipt management service, Tab. The partnership means that when a payment is made with the Juni card at a location synced with Tab, the digital receipt is automatically retrieved and matched with the correct transaction in Juni.

"It went very quickly. When I looked at their documentation, I realised it would be a very simple integration for us to build while simultaneously creating value very quickly. I wrote down how it would work technically, sat down with two of our developers, and set up a Slack channel with Tab. This allowed us to have a direct dialogue, bounce things back and forth, and break it down into small parts. It was a very iterative process. Hector, CEO at Tab, wrote that it was the fastest integration he had ever seen, so that was nice to hear," he recounts.

Building together with partners and customers

When Juni develops its products and sets its strategy going forward, feedback from customers and partners is a vital part. The idea is to build together and for them, based on their needs.

"Feedback is an important channel, it comes in from the Commercial team, while we in product and engineering also conduct interviews with customers. We also look at behavioural patterns on the platform. Then we take all of this into account when setting our strategy and roadmap and prioritise based on value versus effort," says Anders.

An example of how customer feedback and strategic vision meet is the Multi Entity feature. It is a feature requested by both larger groups and accounting firms, but it has also been part of the vision from the start.

"The idea has been with us from day one, which is why we built in partial support for it. But the need has become more and more evident from recent feedback, partly from companies with groups who want to avoid having multiple different logins, and especially from accounting firms. We want to offer a platform where they have a clear overview of their clients and can switch between them without having to log out and log in. Given our focus on accounting firms, this is an important function for building the best possible service for them," he explains.

Juni’s journey forward and trends for 2026

With an eye on 2026, Juni's product and tech team is monitoring various trends in the banking and fintech sector and following their development. Anders highlights three of them:

"We see modern banking services becoming more of an all-in-one solution, where the entire spend management function is moved to the bank. Secondly, AI is being used to a greater extent to help businesses understand their financial data and provide proactive information for making better decisions. Finally, there is a focus on making it easy to run a global business, manage accounts in other currencies, and international payments. Many are frustrated by traditional banks' complexity and high costs," Anders says.

Beyond the broad trends, perhaps the most important mission is to solve a more fundamental problem for Juni's customers and partners.

"We want to create financial peace of mind for our customers. That they can trust they are getting the right financial insight and the right basis for making the best possible financial decisions. And then there's the other thing, which is helping accounting firms. I am extremely excited about that. Building the best banking experience for them, helping them streamline their workflows."