“Can a cloud-native core banking platform replace legacy retail-banking systems across mortgages, savings, lending and investments in one architecture?”
Founded 2009 as the first cloud-native core banking platform, initially focused on investment/savings administration (Robeco, NN Bank, Aegon, Knab). Acquired Davinci in 2020 to extend into mortgage origination and consumer lending, then expanded geographically into the UK in 2021 with a mortgage-first wedge. Today positions itself as a unified retail-banking platform (savings, mortgages, consumer lending, investments/pensions) running on AWS EU, with a growing AI/agentic layer.
Ohpen uses footprint for KYC and identity verification.
The Embedded Finance Index 2026 maps 2 layers in Ohpen's stack: Lending (Mortgage origination and servicing (NL and UK) and Consumer lending origination and servicing); KYC (footprint).
Ohpen was founded by Chris Zadeh and is founded in 2009, headquartered in Amsterdam, Netherlands.
Ohpen's acquisitions include Davinci (2020).
Get a read on where your own stack stands against Ohpen and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.