Yellowtail
Yellowtail Conclusion is a Dutch fintech that builds proprietary SaaS platforms — Hypact, PensioenSuite, Key Control Dashboard, and VisionAI — for pension funds, mortgage lenders, banks, insurers, and (semi-)government organisations in the Netherlands, operating as a subsidiary of the Conclusion ecosystem.
- Company typePrivate
- Founded2006
- HeadquartersNaarden, Netherlands
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Yellowtail does
Yellowtail Conclusion is a Dutch fintech software firm that designs, builds, and operates digital and data-driven SaaS platforms for the financial sector, serving pension funds, mortgage lenders, banks, insurers, and (semi-)government organisations exclusively in the Netherlands. Founded in 2006 and headquartered in Naarden, the company operates as a wholly-owned subsidiary of Conclusion, a Dutch network organization of specialised firms, which provides reach into adjacent capabilities such as SOC 2 implementation through Davinci Conclusion.
The company sells a portfolio of proprietary, regulation-specific platforms. PensioenSuite is a modular participant communication and planning solution addressing Wtp pension reform; Hypact Advisor and the Hypact Productsuite cover the end-to-end mortgage chain (acquired in part through the 2021 Davinci Consulting deal and the 2024 ADPI acquisition); Key Control Dashboard is a GRC/ESG/ISMS platform aligned with NIS2, DORA, BIO2, and CSRD mandates; VisionAI provides AI-driven document processing and compliance automation; and DataTrust and YellowLab provide pension data services and communication research respectively. Underlying capabilities include computer-vision document extraction, AI chatbots, predictive analytics, and generative AI features, integrated with third-party systems such as Lumera's AxyLife administration platform, Ortec Finance's OPAL calculation kernel, and DocDigi for compliant advisory reporting.
Yellowtail generates revenue primarily through subscription SaaS licensing of its platforms, complemented by consulting and professional services for implementation, digital transformation, and regulatory projects, and by revenue uplift from acquired platforms folded into existing suites. Go-to-market is a direct enterprise sales motion targeting Dutch financial institutions, with multi-channel marketing (website, HubSpot newsletters, the Hypotheken Podcast, industry events, and earned media) and channel leverage through the Conclusion ecosystem. Certifications include SOC 2 Type II, GDPR compliance, and ISO 27001 alignment.
Yellowtail firmographics
Firmographics- Name
- Yellowtail
- Legal name
- Yellowtail Conclusion
- Website
- https://yellowtail.nl
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Yellowtail Conclusion is a Dutch fintech that builds proprietary SaaS platforms — Hypact, PensioenSuite, Key Control Dashboard, and VisionAI — for pension funds, mortgage lenders, banks, insurers, and (semi-)government organisations in the Netherlands, operating as a subsidiary of the Conclusion ecosystem.
- Ownership category
- akta.pro rank
Yellowtail industry classification
Industry- Product category
- Financial Sector Software
- NAICS
- Finance and Insurance (52), Depository Credit Intermediation (5221), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Services-Management Consulting Services (8742)
- akta.pro primary industry
- Quality Control (QC), Compliance & Audit Tools for Underwriting (FSALALAL)
- akta.pro secondary industries
- ESG Reporting, Disclosure & Regulatory Compliance (SFDR, EU Taxonomy, TCFD/ISSB) (FSAAALAK), Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG), Financial Reporting & Technical Accounting Advisory (GAAP/IFRS) (BPAHABAF)
Keywords
Where Yellowtail is headquartered
LocationHeadquarters
- HQ city
- Naarden
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Yellowtail business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- SaaS/Subscription Licensing: Yellowtail sells its software platforms (Hypact Advisor, PensioenSuite, Key Control Dashboard) on a SaaS/subscription basis to financial institutions, pension funds, and government organisations. Clients pay recurring license fees for access to the platform, support, and updates.
- Acquisition & Integration Revenue: Yellowtail grows its revenue base through acquisitions of complementary fintech platforms (e.g., ADPI, Davinci Consulting) which are integrated into existing product suites and sold to the expanded customer base.
- Consulting & Professional Services: Yellowtail provides specialised digital consultants and implementation services to banks, insurers, mortgage lenders and pension funds, generating fees for advisory, software development, UX design, and digital transformation projects.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | ADPI SaaS platform offered as all-in-one package or modular subscription |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Yellowtail product offering
Product offeringCore offering
Yellowtail Conclusion designs, builds, and manages digital and data-driven software solutions for the Dutch financial sector, sold on a SaaS/subscription basis to banks, insurers, mortgage lenders, pension funds, and (semi-)government organisations. Its portfolio includes the Hypact mortgage advisory and chain platform, the PensioenSuite participant communication suite, the Key Control Dashboard GRC/ESG tooling, the VisionAI document processing engine, and DataTrust pension data services, complemented by consulting, implementation, and UX design services.
Product overview
Yellowtail Conclusion offers a portfolio of digital software solutions for the financial sector, organized as a platform-plus-modules architecture. The core products include Hypact Advisor (all-in-one mortgage advisory platform) and Hypact Productsuite (comprehensive mortgage chain solutions) for the housing and lending domain; PensioenSuite (modular pension communication solution) and DataTrust (pension data services) for pensions and capital; and Key Control Dashboard (leading GRC/ESG tool) for government and vital organizations. VisionAI provides AI-powered document processing capabilities across products. The company also operates sub-brands including Davinci Conclusion (SOC 2 services) and has acquired ADPI (now integrated into Hypact). These products serve banks, insurers, mortgage lenders, pension funds, and government agencies, with the Hypact and PensioenSuite product lines being key differentiators.
Differentiator
Problem solved
Functional benefit
Brands
- Hypact Advisor: Advanced all-in-one solution for mortgage advice and brokerage
- PensioenSuite
- Key Control Dashboard
- VisionAI
- Davinci Conclusion
- DataTrust Conclusion
- YellowLab
Products and services
- Hypact Advisor Advanced all-in-one cloud-based solution for mortgage advice and brokerage for Dutch banks, mortgage lenders, and independent mortgage advisors; provides automated advisory services, mortgage calculations, compliance, and customer reporting across CRM, advice, management, communication, data, comparison, invoicing, customer portals, intermediation, and alerts.
- Hypact Productsuite Comprehensive suite of solutions for the entire mortgage chain covering origination, advice, brokerage, and ongoing management, serving independent advisors, service providers, and lenders across the complete mortgage process in the Netherlands.
- PensioenSuite Modular total solution for pension participant communication including pension websites, participant portals, and planners for participants, retirees, and employers; provides real-time pension information, scenario planning, and choice guidance to support Wtp compliance for Dutch pension funds.
- Key Control Dashboard
- VisionAI AI-powered document processing solution that automates document processing, underwriting/acceptance activities, and compliance checks by extracting data from documents with various formats and applying business rules for automated verification, used by insurers and financial institutions.
- DataTrust Modular data services for pension funds and their administrators, including data quality management, real-time reporting, and administration data services supporting Wtp compliance.
- Davinci Conclusion SOC 2 Services SOC 2 Type II implementation and compliance consulting services for financial institutions, providing security and compliance expertise led by specialists Peter de Raadt and Casper van Ginneken, supported by the Key Control Dashboard.
- YellowLab Research and usability testing offering that investigates the impact of pension communication through qualitative user research on the comprehensibility, accessibility, and user-friendliness of pension tools for pension funds.
Quantifiable outcome
- 16 Dutch pension fund participant portals launched within the first year of the Lumera partnership
- +1 more outcomes
Companies that use Yellowtail
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
Yellowtail technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability9 records
Feature7 records
Yellowtail partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- LumeracoreYellowtail Conclusion and Lumera entered a partnership to support Dutch pension funds with Wtp implementation. Lumera provides pension administration via its AxyLife platform while Yellowtail supplies participant portals and planners via PensioenSuite. Within the first year, 16 participant portals were launched. The partnership is expanding to include employer and transition portals.
- Davinci ConclusioncoreDavinci Conclusion, acquired from Ohpen and integrated into Yellowtail Conclusion, provides SOC 2 implementation and compliance consulting services to financial sector clients. Experts Peter de Raadt and Casper van Ginneken lead SOC 2 engagements.
- Stichting LEFminorYellowtail partners with Stichting LEF to provide financial education to mbo students, contributing guest lecturers and sponsorship to support financial literacy among youth aged 15-22 who face higher rates of financial challenges.
- Ortec FinancecoreYellowtail uses Ortec Finance's OPAL calculation kernel as the computational engine for its holistic financial calculation system, combining AI with OPAL's Dutch financial system expertise to generate financial scenarios for consumers.
- AFM (Authority for the Financial Markets)minorThe AFM published its agenda for 2024 identifying sustainability and CSRD compliance as supervisory priorities for the financial sector. Yellowtail positions Key Control Dashboard as an innovative solution aligned with AFM's regulatory priorities around sustainability reporting and CSRD.
- OhpencoreYellowtail acquired Davinci Consulting from Ohpen, a banking software provider. The acquisition deepened Yellowtail's expertise in mortgages and notary services and accelerated its strategic ambition in the full housing domain.
Scale indicators3 records
Recent moves8 records
Expansion highlights7 records
Yellowtail competitors and assessment
Company assessmentDirect peers
- Backbase: Dutch-origin digital banking and mortgage platform serving European banks and lenders with SaaS solutions. Most directly comparable as a Dutch fintech software firm targeting the same regulated banking and mortgage customers with platform-based offerings.
- nCino: Cloud-based bank and mortgage origination platform serving commercial and retail lenders with end-to-end loan origination, underwriting, and compliance tooling. Comparable to Yellowtail's Hypact Advisor in providing full mortgage chain SaaS to lenders and intermediaries.
Broad incumbents
- Thought Machine: Cloud-native core banking platform serving global retail and commercial banks with Vault and related products. Overlaps with Yellowtail in providing modern, cloud-based infrastructure to regulated financial institutions, though at a different layer (core banking vs. workflow/compliance).
- Mambu: Composable core banking SaaS platform used by banks, lenders, and fintechs globally. Comparable as a SaaS banking infrastructure provider serving regulated lenders, though broader in scope than Yellowtail's mortgage-focused Hypact suite.
- Temenos: Established Swiss banking software vendor offering core banking, mortgage, and compliance solutions to banks worldwide. Comparable in providing software to regulated financial institutions including mortgage lenders, but operating at a much larger scale and broader product breadth.
- ICE Mortgage Technology (Ellie Mae): Leading US mortgage origination technology platform (Encompass) serving lenders and brokers with end-to-end loan processing. Comparable to Yellowtail's Hypact in providing mortgage chain software, though focused on the US market with significantly larger scale.
- Salesforce (Financial Services Cloud): Global CRM and industry cloud platform with a dedicated Financial Services Cloud used by banks, insurers, and wealth managers for client engagement and advisor workflows. Comparable to Yellowtail as a SaaS platform serving regulated financial institutions, though at vastly greater scale and breadth.
- ServiceNow (Financial Services Operations): Enterprise workflow and GRC platform with a financial services vertical offering risk, compliance, and operational resilience capabilities. Directly comparable to Yellowtail's Key Control Dashboard in providing integrated GRC tooling for regulated organisations.
Regional players
- Ohpen: Dutch core banking SaaS provider and former owner of Davinci Consulting (acquired by Yellowtail in 2021). Operates in adjacent Dutch financial services software space, making it a natural peer for talent and competitive dynamics in the Dutch market.
Others
- Capgemini (Financial Services): Global IT services and consulting firm with a large Financial Services practice delivering digital transformation, core banking modernisation, and compliance implementations. Comparable to Yellowtail's consulting arm as a system integrator for Dutch and European financial institutions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Yellowtail social profiles
Digital presenceYellowtail compliance and trust
Trust signalCompliance3 records
Yellowtail financial estimates
Financial estimateRevenue estimate
Valuation estimate
Yellowtail leadership team
Management profileNumber of profiles
Profiles14 records
Yellowtail subsidiaries and ownership
Company hierarchySubsidiaries3 records
Yellowtail funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Yellowtail M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Yellowtail
What does Yellowtail do?
Yellowtail Conclusion designs, builds, and manages digital and data-driven software solutions for the Dutch financial sector, sold on a SaaS/subscription basis to banks, insurers, mortgage lenders, pension funds, and (semi-)government organisations. Its portfolio includes the Hypact mortgage advisory and chain platform, the PensioenSuite participant communication suite, the Key Control Dashboard GRC/ESG tooling, the VisionAI document processing engine, and DataTrust pension data services, complemented by consulting, implementation, and UX design services.
Is Yellowtail a public or private company?
Yellowtail is a private company. It is classified as corporate owned and is currently operating.
When was Yellowtail founded?
Yellowtail was founded in 2006. It employs 101 to 250 people.
Where is Yellowtail based?
Yellowtail is headquartered in Naarden, Netherlands, in the Europe region.
How does Yellowtail make money?
Three revenue lines are on record. SaaS/Subscription Licensing is the primary driver. The others are acquisition & Integration Revenue and consulting & Professional Services.
Who are Yellowtail's main competitors?
Direct peers on record are Backbase and nCino. Broad incumbents are Thought Machine, Mambu, Temenos, ICE Mortgage Technology (Ellie Mae), Salesforce (Financial Services Cloud) and ServiceNow (Financial Services Operations). Ohpen is listed as a regional player. Capgemini (Financial Services) is listed as an others.
Does Yellowtail have an API?
No public API is recorded for Yellowtail.
What industry is Yellowtail in?
Yellowtail's product category is Financial Sector Software. Its primary akta.pro industry code is FSALALAL, Quality Control (QC), Compliance & Audit Tools for Underwriting, with a secondary code of FSAAALAK, ESG Reporting, Disclosure & Regulatory Compliance (SFDR, EU Taxonomy, TCFD/ISSB). Its NAICS code is 52 and its SIC code is 7370.