EU Sovereignty Score
EU sovereignFintech & NeobanksHeadquarters: Netherlands

TJIP: sovereignty score and 8 European alternatives

TJIP is a Dutch software supplier for the financial sector with modular solutions for mortgages, pensions, insurance and asset management. Examples are MortgageConnect, which lets consumers apply for a mortgage online on their own, with optional co-browsing support; MortgageCalc for maximum mortgage and monthly costs; BusinessConnect, an administration package for asset managers; and Sam, a financial AI planner for pension parties. The modules are standard software that is integrated via API into the existing application landscape of lenders, pension providers, insurers and advisers; MortgageConnect is described as a SaaS platform.

TJIP is based in Delft, the Netherlands. The website mentions a shareholder but gives neither a name nor a country, so no foreign parent company has been established. Where data is hosted is not stated. Ask the vendor about the hosting location and sub-processors. The privacy statement says the company works in line with the GDPR. A self-hosted variant is not mentioned.

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Sovereignty score
71 / 1000 = high exposure
100 = sovereign
  • Jurisdiction SOV-2100
    Headquartered in the EU: European law applies
  • Data residency SOV-3100
    EU-only hosting
  • Cryptographic key sovereignty SOV-360
    Key management with a European vendor
  • Freedom from lock-in SOV-640
    Closed source: switching requires data migration
  • Source & runtime sovereignty SOV-4 · SOV-655
    Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 17, 2026
Headquarters
NetherlandsVerified by hand
Sovereignty model
Vendor-hosted (EU)Verified by hand
Data hosting
EUVerified by hand
Open-source
NoVerified by hand
GDPR-compliant
YesVendor-stated
Category
Fintech & Neobanks
Type
Product
Website
tjip.com ↗

How we verify · Something wrong? Suggest a correction

European alternatives to TJIP

The European alternatives to TJIP come from our knowledge base of over 9,900 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

176 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with TJIP

TJIP is headquartered in the Netherlands and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so TJIP scores best on data residency.

TJIP is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs TJIP together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to TJIP?

It depends on your use case. Strong EU alternatives to TJIP include 1822direkt, ActivoBank and Air Bank. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to TJIP?

Our list of EU alternatives to TJIP is mostly commercial options. Browse the category on the map for open-source choices.

Is TJIP GDPR-compliant and where is the data hosted?

TJIP is headquartered in the Netherlands (EU) and hosts data in the EU. That makes TJIP an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 17, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

In the changelog

Earlier changes to this page, as listed in the public changelog.

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

Also in this category

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8 European alternatives to TJIP (GDPR)