End to end
Bring products, processes and operations together across the complete banking lifecycle on one platform.
Core banking solution for mortgages, savings, investments and consumer lending
Platform built for continuous change
Launch banking products faster and adapt without bespoke development. One modular, cloud-native platform. Full control.
€150B+
Assets under administration
4
Specialist product lines, one architecture
500+
Configuration options
300+
Open API endpoints
Days
To launch new products
Assured
ISO 27001 · SOC 2 Type II
Trusted by financial institutions across Europe
Core Banking Platform
Built differently from the start
A modular core banking solution that brings products, processes and operations together, with the flexibility to evolve as your business changes.
Configurable
Use low-code configuration to adapt products, pricing, rules and workflows without bespoke development.
Banking built in
Work with technology shaped by deep product, operational and regulatory expertise in retail banking.
Modern at the core
Built on a modular, cloud-native banking architecture with open APIs and real-time events for seamless integration.
Digital Experience
From platform to customer experience
Deliver digital banking experiences across channels or connect your own applications and services through open APIs. Built for flexibility across your banking ecosystem.
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 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.”
Digital 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.”
Origination Product ManagementCaroline 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 & 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 & MonitoringFilip 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.”
Savings & Investments EngineeringAyad 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
Explore perspectives on core banking modernisation, AI in banking, regulatory change and the technologies shaping financial services.
Explore all insights
Ohpen and AbelX launch agentic-ready AI platform
Client News
Ohpen, Bloei vermogen and ABN AMRO Clearing Bank launch innovative partnership for independent wealth management
Ohpen provides the technology and investment operations behind a new wealth management setup with Bloei vermogen and ABN AMRO Clearing Bank.
Client News
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