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Ohpen

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uuid0004djz

Namestring
Ohpen
Legal namestring
Ohpen
Websiteurl
ohpen.com
Company typeenum
Private
Founded yearint
2009
Descriptiontext

Ohpen is a Dutch fintech founded in 2009 and headquartered in Amsterdam that builds a cloud-native core banking and mortgage technology platform delivered as software-as-a-service to financial institutions. The platform replaces legacy monolithic core banking systems with a configurable architecture that supports the full mortgage lifecycle — origination, servicing, and credit management — and claims the ability to configure new banking products in hours rather than months, while improving straight-through processing rates. The company serves banks and financial institutions seeking to modernize infrastructure constrained by limited change capability, with named customers including ASN Bank, which is deploying Ohpen's mortgage platform to handle a EUR 56.5 billion portfolio through end-2027.

The company operates a subscription-based SaaS revenue model, selling directly to enterprise financial institution buyers through field sales and strategic technology partnerships, and is supported by dedicated Managing Director roles for Mortgages and Belgium alongside UK expansion that was catalyzed by a EUR 30 million investment from Deutsche Bank in 2021. Ohpen has executed two disclosed acquisitions (FYNN Advice in 2017, Davinci in 2020) to broaden its capabilities, raised approximately $83.5 million across four funding rounds between 2017 and 2021, and serves markets primarily in the Netherlands, UK, and Belgium.

The company operates within a global SaaS-based core banking software market projected to grow from USD 11.21 billion in 2024 to USD 46.03 billion by 2032 at a 19.5% CAGR. With 251–500 employees and a vertically focused GTM targeting banks, Ohpen's commercial momentum is anchored by a small number of tier-1 European financial institution relationships rather than a long tail of customers.

Short descriptiontext

Ohpen is a Dutch fintech founded in 2009 that provides a cloud-native SaaS core banking and mortgage technology platform to banks and financial institutions, replacing legacy systems with configurable infrastructure that supports the full mortgage lifecycle from origination through servicing and credit management.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
251–500
akta.pro rankint
HeadquartersAmsterdam, Netherlands
HQ citystring
Amsterdam
HQ countrystring
Netherlands
HQ regionstring
Europe
Markets served

Serves global market

Offices1 record

Each record includes

City, Country, Type, Description, Source

Keyword5 values
core banking platform, mortgage technology software, cloud-native banking, SaaS financial infrastructure, banking modernization solutions
Industry1 code
1Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts)
CodeFSAGAAACPrimaryYes
NAICS code2 codes
  • Computer Systems Design Services541512
  • Computer Systems Design and Related Services54151
SIC code1 code
  • Services-Prepackaged Software7372
Product category
Core Banking Software
Social media profiles1 record
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model1 record
1SaaS Platform Subscription
TypeSubscription Recurring
Description

Ohpen generates revenue through SaaS subscription model, providing financial institutions access to its cloud-native core banking and mortgage technology platforms on a recurring subscription basis.

fintechfutures.com
Marketing channels3 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels1 record

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components5 values
Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
GTM typeB2B
B2B
Offering typeSoftware
Software
Core offering1 text field

Ohpen provides a cloud-native, SaaS-delivered core banking platform that enables financial institutions to modernize legacy infrastructure. The platform covers the full mortgage lifecycle — origination, servicing, and credit management — and supports rapid product configuration in hours rather than months, replacing legacy monolithic banking systems with a configurable cloud architecture.

Differentiator
Functional benefit
Problem solved
Product overview1 text field

Ohpen offers a unified cloud-native core banking platform delivered as SaaS. The platform covers the full mortgage lifecycle including origination, servicing, and credit management capabilities. It replaces legacy monolithic systems with a modern, configurable architecture that enables financial institutions to configure products in hours rather than months and improve straight-through processing rates.

Product and service2 records
1Ohpen Cloud-Native Core Banking Platform
CategoryCore Banking Software
Description

A cloud-native SaaS core banking platform that enables financial institutions to modernize banking infrastructure, with capabilities spanning mortgage origination, servicing, and credit management. Designed to replace legacy monolithic systems and enable product configuration in hours rather than months.

2Integrated Mortgage SaaS Platform
CategoryMortgage Technology Software
Description

An integrated SaaS mortgage platform covering the complete mortgage lifecycle from origination through servicing and credit management. It is offered to banks to replace legacy systems constrained by limited change capability, enabling cloud-based operations across the full mortgage value chain.

Scale indicator3 records

Each record includes

Type, Value, Description, Source

Partnership1 partner
1ASN Bank
Strategic tierFlagshipTypeTechnology or IntegrationAnnounced on2026-04-07
Description

ASN Bank, a Dutch bank with EUR 10.3 billion in new mortgage production and EUR 56.5 billion portfolio in 2025, partnered with Ohpen to implement a new mortgage technology platform using a SaaS model covering origination, servicing, and credit management. Full implementation is expected by the end of 2027. The partnership is part of ASN Bank's broader 'Simplify and Grow' strategy and follows a multi-year partnership with HCLTech to update its IT architecture.

Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight6 records

Each record includes

Type, Description

Peers10 records
1Thought Machine
TypeDirect peer
Description

Thought Machine is a cloud-native core banking platform provider serving global banks with its Vault platform, directly competing with Ohpen's cloud-native core/mortgage offering for the same financial institution buyer.

2Temenos
TypeBroad incumbent
Description

Temenos is an established global core banking software vendor serving thousands of banks worldwide with a broader on-premise/cloud portfolio, competing with Ohpen for core modernization contracts at incumbents.

3Mambu
TypeDirect peer
Description

Mambu provides a cloud-native core banking and lending platform as-a-service to banks and lenders, directly overlapping with Ohpen's SaaS core banking and mortgage technology proposition.

4nCino
TypeEmerging player
Description

nCino provides cloud-based banking software including mortgage and loan origination solutions, with partial overlap to Ohpen's mortgage origination, servicing, and credit management capabilities.

5Backbase
TypeEmerging player
Description

Backbase provides a digital banking and engagement platform used by European banks, partly overlapping with Ohpen's broader digital banking and core modernization proposition for retail and mortgage products.

6Finastra
TypeBroad incumbent
Description

Finastra provides a broad portfolio of banking and financial services software including core and lending solutions, overlapping with Ohpen's mortgage and core banking modernization offerings for tier-1 banks.

7Oracle Financial Services
TypeBroad incumbent
Description

Oracle Financial Services provides large-scale core banking, lending, and digital banking software to global banks, making it a broad incumbent competitor with overlapping core and mortgage modernization offerings.

810x Banking
TypeEmerging player
Description

10x Banking offers a cloud-native core banking platform targeting challenger and incumbent banks, representing an emerging direct competitor overlapping with Ohpen's SaaS core banking proposition.

9Avaloq
TypeDirect peer
Description

Avaloq (now part of NEC) provides digital core banking and wealth platform software to private banks and large financial institutions, competing directly with Ohpen for European bank modernization mandates.

10FIS (Fidelity National Information Services)
TypeBroad incumbent
Description

FIS is a major incumbent fintech and core banking technology provider with extensive installed base across US and European banks, making it a primary competitor for core and mortgage platform replacement deals.

Market position
Strengths5 records

Each record includes

Headline, Details, Source

Weaknesses5 records

Each record includes

Headline, Details, Source

Competitive moat5 records

Each record includes

Type, Details

Key risks5 records

Each record includes

Headline, Details, Source

Key highlights7 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Named customers1 record

Each record includes

Name, Industry, Type, Use case, Source, UUID

Segment1 record

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile1 record

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
Yes
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Feature3 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles10 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

No data
No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds4 records

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors3 records

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Ohpen

Core Banking Softwareohpen.com

Ohpen is a Dutch fintech founded in 2009 that provides a cloud-native SaaS core banking and mortgage technology platform to banks and financial institutions, replacing legacy systems with configurable infrastructure that supports the full mortgage lifecycle from origination through servicing and credit management.

What Ohpen does

Ohpen is a Dutch fintech founded in 2009 and headquartered in Amsterdam that builds a cloud-native core banking and mortgage technology platform delivered as software-as-a-service to financial institutions. The platform replaces legacy monolithic core banking systems with a configurable architecture that supports the full mortgage lifecycle — origination, servicing, and credit management — and claims the ability to configure new banking products in hours rather than months, while improving straight-through processing rates. The company serves banks and financial institutions seeking to modernize infrastructure constrained by limited change capability, with named customers including ASN Bank, which is deploying Ohpen's mortgage platform to handle a EUR 56.5 billion portfolio through end-2027.

The company operates a subscription-based SaaS revenue model, selling directly to enterprise financial institution buyers through field sales and strategic technology partnerships, and is supported by dedicated Managing Director roles for Mortgages and Belgium alongside UK expansion that was catalyzed by a EUR 30 million investment from Deutsche Bank in 2021. Ohpen has executed two disclosed acquisitions (FYNN Advice in 2017, Davinci in 2020) to broaden its capabilities, raised approximately $83.5 million across four funding rounds between 2017 and 2021, and serves markets primarily in the Netherlands, UK, and Belgium.

The company operates within a global SaaS-based core banking software market projected to grow from USD 11.21 billion in 2024 to USD 46.03 billion by 2032 at a 19.5% CAGR. With 251–500 employees and a vertically focused GTM targeting banks, Ohpen's commercial momentum is anchored by a small number of tier-1 European financial institution relationships rather than a long tail of customers.

Ohpen firmographics

Firmographics
Name
Ohpen
Legal name
Ohpen
Website
https://ohpen.com
Company type
Private
Founded year
2009
Operating status
Operating
Headcount range
251–500 employees
Short description
Ohpen is a Dutch fintech founded in 2009 that provides a cloud-native SaaS core banking and mortgage technology platform to banks and financial institutions, replacing legacy systems with configurable infrastructure that supports the full mortgage lifecycle from origination through servicing and credit management.
Ownership category
akta.pro rank

Ohpen industry classification

Industry
Product category
Core Banking Software
NAICS
Computer Systems Design Services (541512), Computer Systems Design and Related Services (54151)
SIC
Services-Prepackaged Software (7372)
akta.pro primary industry
Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)

Keywords

  • Core banking platform
  • Mortgage technology software
  • Cloud-native banking
  • SaaS financial infrastructure
  • Banking modernization solutions

Where Ohpen is headquartered

Location

Headquarters

HQ city
Amsterdam
HQ country
Netherlands
HQ region
Europe

Offices1 record

Markets served

Ohpen business model

Business model
GTM type
B2B
Offering type
Software
Cost components
Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

  1. SaaS Platform Subscription: Ohpen generates revenue through SaaS subscription model, providing financial institutions access to its cloud-native core banking and mortgage technology platforms on a recurring subscription basis.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Ohpen product offering

Product offering

Core offering

Ohpen provides a cloud-native, SaaS-delivered core banking platform that enables financial institutions to modernize legacy infrastructure. The platform covers the full mortgage lifecycle — origination, servicing, and credit management — and supports rapid product configuration in hours rather than months, replacing legacy monolithic banking systems with a configurable cloud architecture.

Product overview

Ohpen offers a unified cloud-native core banking platform delivered as SaaS. The platform covers the full mortgage lifecycle including origination, servicing, and credit management capabilities. It replaces legacy monolithic systems with a modern, configurable architecture that enables financial institutions to configure products in hours rather than months and improve straight-through processing rates.

Differentiator

Problem solved

Functional benefit

Products and services

  • Ohpen Cloud-Native Core Banking Platform A cloud-native SaaS core banking platform that enables financial institutions to modernize banking infrastructure, with capabilities spanning mortgage origination, servicing, and credit management. Designed to replace legacy monolithic systems and enable product configuration in hours rather than months.
  • Integrated Mortgage SaaS Platform An integrated SaaS mortgage platform covering the complete mortgage lifecycle from origination through servicing and credit management. It is offered to banks to replace legacy systems constrained by limited change capability, enabling cloud-based operations across the full mortgage value chain.

Companies that use Ohpen

Customer profile

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Ohpen technology and API

Technology

Technology focussed Yes

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Feature3 records

Ohpen partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

  • ASN BankflagshipTechnology or Integration · 7 April 2026ASN Bank, a Dutch bank with EUR 10.3 billion in new mortgage production and EUR 56.5 billion portfolio in 2025, partnered with Ohpen to implement a new mortgage technology platform using a SaaS model covering origination, servicing, and credit management. Full implementation is expected by the end of 2027. The partnership is part of ASN Bank's broader 'Simplify and Grow' strategy and follows a multi-year partnership with HCLTech to update its IT architecture.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Ohpen competitors and assessment

Company assessment

Direct peers

  • Thought Machine: Thought Machine is a cloud-native core banking platform provider serving global banks with its Vault platform, directly competing with Ohpen's cloud-native core/mortgage offering for the same financial institution buyer.
  • Mambu: Mambu provides a cloud-native core banking and lending platform as-a-service to banks and lenders, directly overlapping with Ohpen's SaaS core banking and mortgage technology proposition.
  • Avaloq: Avaloq (now part of NEC) provides digital core banking and wealth platform software to private banks and large financial institutions, competing directly with Ohpen for European bank modernization mandates.

Broad incumbents

  • Temenos: Temenos is an established global core banking software vendor serving thousands of banks worldwide with a broader on-premise/cloud portfolio, competing with Ohpen for core modernization contracts at incumbents.
  • Finastra: Finastra provides a broad portfolio of banking and financial services software including core and lending solutions, overlapping with Ohpen's mortgage and core banking modernization offerings for tier-1 banks.
  • Oracle Financial Services: Oracle Financial Services provides large-scale core banking, lending, and digital banking software to global banks, making it a broad incumbent competitor with overlapping core and mortgage modernization offerings.
  • FIS (Fidelity National Information Services): FIS is a major incumbent fintech and core banking technology provider with extensive installed base across US and European banks, making it a primary competitor for core and mortgage platform replacement deals.

Emerging players

  • nCino: nCino provides cloud-based banking software including mortgage and loan origination solutions, with partial overlap to Ohpen's mortgage origination, servicing, and credit management capabilities.
  • Backbase: Backbase provides a digital banking and engagement platform used by European banks, partly overlapping with Ohpen's broader digital banking and core modernization proposition for retail and mortgage products.
  • 10x Banking: 10x Banking offers a cloud-native core banking platform targeting challenger and incumbent banks, representing an emerging direct competitor overlapping with Ohpen's SaaS core banking proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Ohpen social profiles

Digital presence

Ohpen financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Ohpen leadership team

Management profile

Number of profiles

Profiles10 records

Ohpen funding detail

Funding detail

Funding overview

Funding rounds4 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Ohpen M&A and investment

M&A and investment

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ohpen

What does Ohpen do?

Ohpen provides a cloud-native, SaaS-delivered core banking platform that enables financial institutions to modernize legacy infrastructure. The platform covers the full mortgage lifecycle — origination, servicing, and credit management — and supports rapid product configuration in hours rather than months, replacing legacy monolithic banking systems with a configurable cloud architecture.

Is Ohpen a public or private company?

Ohpen is a private company. It is classified as venture growth investor backed and is currently operating.

When was Ohpen founded?

Ohpen was founded in 2009. It employs 251 to 500 people.

Where is Ohpen based?

Ohpen is headquartered in Amsterdam, Netherlands, in the Europe region.

How does Ohpen make money?

One revenue line is on record: saaS Platform Subscription.

Who are Ohpen's main competitors?

Direct peers on record are Thought Machine, Mambu and Avaloq. Broad incumbents are Temenos, Finastra, Oracle Financial Services and FIS (Fidelity National Information Services). Emerging players are nCino, Backbase and 10x Banking.

Does Ohpen have an API?

No public API is recorded for Ohpen.

What industry is Ohpen in?

Ohpen's product category is Core Banking Software. Its primary akta.pro industry code is FSAGAAAC, Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts). Its NAICS code is 541512 and its SIC code is 7372.

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Live signals
The Fintech TimesDudley Building Society Opens Ohpen Mortgage Platform to All BrokersDudley Building Society rolled out its Ohpen mortgage platform to all brokers, cutting decision-in-principle review time from about 45 minutes to three minutes. The platform reduces wet signatures and offers real-time case tracking, with future integration planned but no timeline given.FinTech FuturesDutch bank ASN partners Ohpen for mortgage techASN Bank in the Netherlands has partnered with fintech company Ohpen to implement a new mortgage technology platform using a SaaS model covering origination, servicing, and credit management, with completion expected by the end of 2027. The bank, which recorded €10.3 billion in new mortgage production and a €56.5 billion portfolio in 2025, expects the new system to enable product configuration in hours rather than months and improve straight-through processing. The deployment is part of ASN Bank's broader "Simplify and Grow" strategy launched in November and follows a multi-year partnership with HCLTech in December aimed at updating its IT architecture.FinovateOhpen Forges Strategic Technology Partnership with ASN BankASN Bank has forged a strategic technology partnership with cloud-native core banking platform Ohpen to modernize its IT infrastructure. Ohpen will deliver an integrated SaaS platform covering mortgage origination, servicing, and credit management, replacing ASN Bank's legacy systems that have limited product innovation and operational efficiency. Full implementation is expected by the end of 2027, supporting ASN Bank's "Simplify and Grow" strategy.FfnewsOhpen to Deliver Next-gen Mortgage Platform for ASN BankASN Bank has selected Ohpen as its strategic technology partner to deliver a fully integrated cloud-native SaaS platform covering mortgage origination, servicing, and credit management, replacing legacy infrastructure that has hindered operational efficiency. The agreement supports ASN Bank's 'Simplify and Grow' strategy and is scheduled for implementation completion by the end of 2027, with structured change management included. The partnership reflects a broader industry shift where core banking systems are increasingly viewed as strategic enablers rather than mere operational tools.MortgagesoupASN Bank selects Ohpen to overhaul mortgage technology platformASN Bank has appointed Ohpen as its strategic technology partner to overhaul its mortgage operations with a cloud-based platform covering origination, servicing, and credit management. The new system, part of ASN Bank's 'Simplify and Grow' strategy, aims to replace legacy infrastructure constrained by limited change capability and improve operational efficiency across the mortgage lifecycle. Implementation is scheduled for completion by the end of 2027.The IntermediaryA peek into the futureThis opinion piece argues that agentic AI has the potential to transform the mortgage market by moving from siloed, manual processes to an integrated, automated service that reduces lead times from weeks to minutes. The article cites the Netherlands' existing digital infrastructure (PSD2, iDIN) as a model for how AI can continuously collect and validate financial data, enabling real-time property valuation and affordability calculations. The author, Jerry Mulle of Ohpen, suggests that mortgage advisers will shift from administrative roles to trusted advisers providing substantive guidance on complex financial decisions.FinTech FuturesLeasePlan migrates to Ohpen’s core banking systemCloud banking provider Ohpen has completed the migration of nearly one million Dutch and German savings accounts from LeasePlan Bank to its core banking engine. The project involved processing over 17 million historical records, replacing legacy on-premise solutions with a cloud-native SaaS platform hosted on Amazon Web Services. This overhaul aims to reduce IT complexity and improve service flexibility while avoiding negative customer impact.Silicon CanalsAmsterdam-based fintech Ohpen raises €30M from Deutsche Bank to grow in the financial infrastructure spaceAmsterdam-based fintech Ohpen has raised €30M in growth capital from Deutsche Bank to expand its cloud-based core-banking platform. The funding will support Ohpen's expansion efforts in the UK and strengthen its functionality within the financial infrastructure space.FinSMEsAmerborgh Sells Stake in Ohpen to NPM CapitalAmerborgh sold a stake in Ohpen, a Dutch fintech, to NPM Capital, giving NPM a 35% stake. Ohpen provides a SaaS core banking platform for Aegon, Nationale-Nederlanden, and others. The company plans to extend services to large banks and the pension market.PR NewswireCore Banking Provider Ohpen Raises €25 Million Series C Financing for International Expansion to Third CountryOhpen, a cloud-based SaaS core banking provider headquartered in Amsterdam, has successfully closed a €25 million Series C investment round with private equity firm Amerborgh. The company will use the funds to expand into a third country, evaluating Germany, France, Canada, Australia, and the United States as potential destinations, and to further develop its platform to help financial services companies reduce costs by up to 40 percent. Ohpen, which already operates in the Netherlands, United Kingdom, and Spain, will announce its final decision on the third market in the first half of 2018.