We hit the streets of Malmö for a stroll through Castle Park with Jakob Carlbring, one of the founders of Quiddly and the fintech group Blingdale. These days, his focus is on streamlining the customer experience across all of Quiddly’s business areas.
What are Jakob’s thoughts on building products and services that always align with customer needs? What are the biggest challenges, and how do you tackle them?
Solving Complex Problems in Elegant Ways
Jakob is a rather rare breed, but a typical founder in tech: half programmer, half businessman. He has a broad understanding of the entire customer lifecycle and all the nooks and crannies of the experience. As we stop by a café for kombucha and pear tart, we ask Jakob to distil his approach to business.
I aim to solve complex problems in simple, human-centric ways that create real value for people and businesses alike.
What truly excites him, he explains, is the opportunity to modernise an industry that affects everyone, yet is still riddled with unnecessary friction. Finance touches lives and businesses every single day. But too often the systems behind it are outdated, confusing and rigid.
It really motivates me to bring technology and design thinking into the finance space, to make financial processes more transparent, more user-friendly, and more empowering.
How to Meet Customer Needs
For Jakob, alignment begins with listening. Quiddly’s teams spend significant time in conversations with clients, not just to understand their immediate needs, but to see the world through their lens. They also involve end-users early on, since the value of Quiddly’s products is ultimately measured by how well they work in real life.
My role is to make sure we don’t just deliver what’s been asked for, but what truly solves a pain point in a way that makes our clients’ businesses run more smoothly.
The focus at Quiddly is to translate customer insights and data into design and functionality that feels intuitive and seamless.
The Biggest Challenges, and How to Address Them
Quiddly delivers an ecosystem of portals spanning several user categories – from back-office staff to clients and debtors – all of which must come together into one smooth experience, whether for credits, debt collection, or plain old invoicing.
So, what are the common challenges? Jakob explains that the main one is complexity. Many clients work with fragmented, outdated systems that don’t communicate well, leading to inefficiency, errors and frustration. Another recurring pain point is rigidity: traditional systems dictate how you work, rather than adapting to your business.
At Quiddly, we’ve built our platform to be modular and API-first, so it can fit into existing ecosystems while offering flexibility. The result is a system that doesn’t get in the way but becomes a natural extension of a client’s processes.
Ensuring a Smooth User Experience
Complexity should always live under the hood, not in the user’s hands. Our job is to take processes that are inherently complex, like factoring or debt collection, and present them in a way that feels simple and natural to the user.
Jakob adds that packaging complex processes in an elegant way means clean interfaces, clear workflows, and a design language that minimises friction. Whether you’re a back-office operator managing thousands of invoices, a client logging in for the first time, or an end-customer making a payment, the experience should feel straightforward, human, and trustworthy.
Balancing Scalability and Flexibility
At the core of Quiddly’s mission is building flexible solutions that scale with the customer’s business. But striking the balance between scalability and catering to unique needs is always a challenge.
We see scalability and flexibility not as opposing forces, but as two sides of the same design philosophy. Our architecture is built to grow with clients as their volumes and demands increase, while still giving them the freedom to tailor workflows to their unique processes.
By keeping Quiddly’s systems modular and API-driven, the platform provides a reliable backbone that’s compliant and strong, yet customisable where it matters most. This balance ensures Quiddly’s solutions stay relevant over time without forcing clients into one-size-fits-all moulds.
Creating a Culture of Trust
Finance is a niche that handles its fair share of sensitive data. How do you build trust in a business dealing with compliance, risk and sensitive information?
Trust is something you earn every day, and it has to be part of the culture from the inside out. At Quiddly, we encourage openness. People should feel safe raising concerns and confident that quality and compliance are shared responsibilities.
Externally, Jakob explains, Quiddly is transparent in communication and consistent in delivery. If something changes or a limitation exists, they say it upfront. In an industry built on trust, credibility is Quiddly’s most valuable asset. And it’s sustained through clarity, accountability and reliability.
Want to learn more about Quiddly’s solutions?
At Quiddly we develop and license complete cloud based systems for Factoring, Invoicing and Debt Collection. Our concept is simple, but the solutions are advanced.
Pick & Mix from our modules to lay the foundation for your fintech machinery. Add additional functionality by choosing from our vast and continuously evolving library of addons and integrations. Enjoy quick time to market and the possibility of custom development. Don’t lose, only pay for what you use. It’s that simple!
Our solutions supercharge the whole organization, all the way from management, to operations and tech. We have specialists inside Quiddly that are used to communicate with these different key functions and maximize the output of our solutions.
Feel free to visit our solutions page to learn more about our three modules for Invoicing, Factoring and Debt Collection.