About us

Mobile services are booming. The technology is out there and many development companies want to be in the race. However, advanced technical solutions aren’t necessarily user friendly. The challenge is adapting the technology to people’s interests, needs, and abilities.

Smart Refill develops and promotes smart mobile services that make life a little simpler for everyone; not only for those already living the mobile life. We take care of the entire development process for our customers, from start to finish. By also letting us manage ongoing operation you get a problem free solution.

The services we develop and operate help our customers getting closer to their end customers. Close, active customers make it easier to develop the business, expand services and create attractive offers.

Smart Refill is an established development company that sets very high requirements for user-friendliness and security. In addition, we are of course PCI Level 1 certified. We see a clear connection between simplifying people’s lives and creating business benefit for our customers; whether we are developing mobile services for banks and mobile phone operators or for companies wanting to build efficient systems for their customer information.

Customers we have worked with for a long time say that we are reliable, fast and easy to work with. There is only one way to find out if this is true. Contact us.




  • Business meeting
  • Presentation
  • Idea/case/strategy


  • Define needs
  • Understand
  • Analyze
  • Collect input
  • Discuss


  • Creative process
  • Case Strategy
  • User needs
  • Concept sketch
  • Business case


  • Requirements
  • Process flows
  • Usability platforms
  • Design sketches
  • Project plan
  • Timelines
  • SOW
  • Project group


  • Development
  • Project work
  • Test version
  • Production version
  • Internal test
  • Acceptance test


  • Support
  • Meetings
  • Customer service
  • Updates
  • Evaluate

Our Offers


Complete technical platform with front-end apps for providers in both prepaid and postpaid. We develop and operate unique, secure and mobile operator services that we adapt to different markets and operators’ requirements and wishes. Including, for example, topping up mobile phones via apps or web, customer connections and secure payments.


Mobile banks, payments, fund trading systems or PFM. Our banking and finance platform is one of the most comprehensive in the Nordic region. We develop and operate unique, secure and mobile services that make contacts between customer and bank easier. Reaching your bank when and where you want should be as safe and secure as using Internet banking.