End to end
Bring products, processes and operations together across the complete banking lifecycle on one platform.
Banking platform for mortgages, savings, investments and consumer lending
Platform built for continuous change
Launch and evolve banking products faster, stay in control and adapt without bespoke development.
€150B+
Assets under administration
4
Specialist product lines, one architecture
500+
Configuration options
300+
Open API endpoints
Days
To launch a new product
Certified
ISO 27001 · SOC 2 Type II
Trusted by financial institutions across Europe
Core Banking Platform
Built differently from the start
One platform designed around the realities of modern retail banking, from product configuration to day-to-day operations.
Configurable
Configure products, pricing, rules and workflows without rebuilding the underlying platform for every change.
Banking built in
Work with technology shaped by deep product, operational and regulatory expertise in retail banking.
Modern at the core
Run on cloud-native, event-driven architecture designed for integration, automation and continuous innovation.
Digital Experience
From platform to customer experience
Optimise digital experiences for customers, intermediaries and operational teams, or connect your own channels through open APIs.
Products
1 platform
1 platform
4 products
Full control
Mortgages
Run the complete mortgage lifecycle on one platform, automating everything from origination and underwriting to contract management and servicing.
“By working with Ohpen, we are modernising our operations and simplifying our end-to-end processes. For our customers and distribution partners, this will lead to an enhanced customer experience, improved document handling and faster processing times.”
Savings
Launch and evolve savings and deposit products faster, while managing multiple brands and propositions from a single platform instance.
“Ohpen combines modern core banking technology with a genuine partnership mindset. That combination is what allows us to grow year after year.”
Investments and pensions
Simplify investment and pension administration with one configurable platform that reduces integration complexity and makes portfolios easier to operate and grow.
“We found a partner that doesn’t just deliver a platform but takes genuine responsibility for the investment processes behind our pensions. Ohpen runs our investment operations so we can do what we do best: bringing pensions closer to people.”
Consumer lending
Automate lending from decisioning through lifecycle servicing across multiple credit products, with conditional offers in under one minute, 24/7.
“Thanks to the reliable platform and the team of dedicated professionals, we can focus on the customer relationship. We look forward to continuing our fruitful relationship.”
Client Success
Trusted by leading financial institutions
Pension and investment providers rely on Ohpen to manage and scale their investment operations.
“Ohpen runs our investment operations so we can do what we do best: bringing pensions closer to people.”
400K
Accounts migrated over a single weekend
€15billion
Asset Under Management
1st
PPI in the Netherlands
People of Ohpen
The people behind the platform
Technology is only part of the story. Our people bring deep banking and domain expertise to how we build, deliver and evolve the platform.
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“Great products aren’t built by features alone, they’re built by understanding people. By bringing together client insight, product thinking and technology, we create solutions that make financial services easier for lenders, advisers and customers.”
Product Management PortalsFrederieke Hoogstins
Product Manager, the Netherlands
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“We start with just an idea and work in close collaboration between business experts and engineers to turn the idea into a tangible solution for our customers.”
Product Management OriginationCaroline Schrijvers
Product Manager, the Netherlands
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“At Ohpen, security is not a department that sits apart from the product; it is embedded in how we build, how we release, and how we respond.”
Risk and SecurityMichal Lavko
Information Security Officer, Slovakia
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“I love tackling real-world fintech challenges with the freedom to innovate. It’s a place of constant learning that keeps my work both fun and fulfilling.”
Reporting, CRM and SentinelFilip Karačić
Software Engineer, Spain
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“The most rewarding part is seeing that work turn complex banking challenges into real outcomes for clients and the millions of people they serve.”
Engineering Savings and InvestmentsAyad Hindi
Engineering Director, Spain
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“I work closely with our clients to understand their ambitions, solve challenges, and ensure they can fully leverage the power of the Ohpen platform. Seeing clients succeed and grow is what makes my work meaningful.”
Client SuccessMichael Vink
Director Lending, the Netherlands
Matthijs Aler
CEO
“At Ohpen, domain expertise is embedded across our teams. We understand the regulated environment our clients operate in and use that knowledge to build products that work in the real world and solve the challenges our clients face.”
Built Around Your Business
Turn platform flexibility into business advantage
Connect your ecosystem
Integrate existing systems, channels and specialist partners through open APIs without rebuilding your technology landscape.
Move faster to market
Bring new products and propositions to market faster and respond quickly as customer and market needs change.
Simplify operations
Automate processes, reduce manual work and complexity, and operate more efficiently as your business scales.
See Ohpen in Action
Book a demo
Build the products your customers cannot get elsewhere.
A flexible, proven end-to-end platform and a team that has done it before. Book a personalised walkthrough and see Ohpen handle your product line live.
Insights
Thinking for modern financial institutions
Practical perspectives on retail banking modernisation, AI, regulatory change and operational efficiency.
View more insights
Ohpen and AbelX launch agentic-ready AI platform
Client News
Ohpen and AbelX launch agentic-ready AI platform
Ohpen and AbelX partner to accelerate the practical use of AI across lending, enabling specialist AI solutions to be built directly on the Ohpen platform.
The technology that matters doesn’t make the decision
The best mortgage technology doesn’t replace brokers or underwriters. It removes the administration around them, creating more space for human judgement and better lending decisions.
Mortgages
AI doesn’t remove bias. It gives us the chance to manage it.
AI can make lending decisions more consistent, but consistency alone does not guarantee fairness. The opportunity lies in combining machine intelligence with human judgement, strong governance and greater transparency.
AI
AI is changing banking. Trust will define who succeeds.
As AI takes on a greater role in financial services, the real differentiator may not be the technology itself, but how well it is governed. The firms that succeed will combine automation with human judgement, accountability and trust.
AI