Integration and connectivity
Connect core systems, customer channels, identity providers and payment infrastructure through APIs and event-driven services.
End-to-end capabilities for savings operations
Manage savings operations from interest calculation and payments to product configuration and reporting on one integrated platform.
Platform Control
Operate on your terms
Adapt the platform to your architecture, products and operating model, with the control to integrate, configure and scale without changing the core platform.
Self-service configuration
Configure products, rates, fees, eligibility and lifecycle rules, with controlled approvals, effective dating and full audit trails.
Multiple brands, one platform
Run multiple savings brands with independent products, pricing and customer configuration on a shared technology foundation.
Power your day-to-day savings operations
Run the core processes behind your savings products, from interest calculation and account administration to payments.
Interest calculation
Calculate and apply interest across different rate structures, accrual methods and schedules, with full traceability.
- Variable, fixed, tiered, promotional and bonus rates
- Configurable accrual and compounding rules
- Scheduled rate changes with effective dating
Account structure and connectivity
Manage different account structures, holders, authorisations and mandates, with standardised connectivity to surrounding systems.
- Individual, joint, minor and corporate accounts
- Configurable roles, authorisations and mandates
- Standardised integration patterns across systems
- Connectors for banking, identity, payments and reporting
Payments
Process contributions, withdrawals, distributions and scheduled payouts across major European payment rails.
- SEPA payments
- Instant payments
- Direct debits and standing orders
Calculate and apply interest across different rate structures, accrual methods and schedules, with full traceability.
- Variable, fixed, tiered, promotional and bonus rates
- Configurable accrual and compounding rules
- Scheduled rate changes with effective dating
Manage different account structures, holders, authorisations and mandates, with standardised connectivity to surrounding systems.
- Individual, joint, minor and corporate accounts
- Configurable roles, authorisations and mandates
- Standardised integration patterns across systems
- Connectors for banking, identity, payments and reporting
Process contributions, withdrawals, distributions and scheduled payouts across major European payment rails.
- SEPA payments
- Instant payments
- Direct debits and standing orders
Client Success
Proven at scale
Financial institutions rely on Ohpen for modern infrastructure, reliable operations and the expertise to deliver.
” Ohpen’s infrastructure is state-of-the-art and we are very satisfied with the uptime of the system. The combination of strong leadership and very capable employees makes that Ohpen delivers up to its promise. “
One data layer. Full visibility.
Every event across the savings lifecycle is captured in a validated data model, giving teams consistent data for operations, reporting and analytics.
Complete operational visibility
Track every savings event, account update and transaction with full history and point-in-time snapshots.
Faster reporting and analytics
Access unified, API-accessible data for reporting, analytics and downstream integrations.
Simpler regulatory reporting
Support country-specific supervisory reporting and cross-border regulatory requirements from consistent data.
Platform Benefits
What this delivers
Faster product and rate changes with less IT dependency
Multiple brands without additional platform infrastructure
End-to-end payment processing across SEPA
Complete visibility across savings operations
Consistent and validated data across the platform
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.