--- title: About us - Opyn description: Opyn is a human fintech that combines expertise and technology to provide digital financial services for businesses, banks and financial institutions. --- [ About us ](https://www.opyn.eu/en/about-us) [ Our values ](https://www.opyn.eu/en/about/our-values) [ Contact us ](https://www.opyn.eu/en/contact-us) ![opl-texture-big-white](https://www.opyn.eu/hs-fs/hubfs/site2023_opyn_pay_later/asset/opl-texture-big-white.png?width=1356&height=1356&name=opl-texture-big-white.png) ![chi_siamo_hero_dk](https://www.opyn.eu/hs-fs/hubfs/site2023_opyn_pay_later/site_visual/chi_siamo_hero_dk.webp?width=1222&height=714&name=chi_siamo_hero_dk.webp) ![chi_siamo_hero_mb](https://www.opyn.eu/hs-fs/hubfs/site2023_opyn_pay_later/site_visual/chi_siamo_hero_mb.webp?width=767&height=656&name=chi_siamo_hero_mb.webp) # About us We can decline our three souls into the words: **Fin + tech + human** Thanks to our proprietary technology, we offer fast and digital services that enable companies and financial institutions to grow and innovate with us.  We simplify banks and financial institutions' daily operations and support B2B companies to increase their sales.   [ Our team ](https://www.opyn.eu/en/about/people) ## We are a Human FinTech People are our capital. We make internal collaboration our strength, functioning as a team of rowers, where each individual, with their own peculiarities, can make their own contribution. #### Our history, our services. We were born in 2012, becoming in a few years the N.1 Lending as a Service platform in Europe. With over 10 years of experience in digital financing, we are currently providing two distinct services tailored to businesses and financial institutions: Opyn Universe and Opyn Pay Later. **Opyn Pay Later** è is the “Buy Now Pay Later” solution for Business-to-Business companies that wish to offer installment payments to their customers, with maximum flexibility and security.  Available for both online and in-store purchases, as well as remotely, it allows merchants to maximize and simplify sales, improve cash flow, reduce administrative costs and mitigate the risks of outstanding payments. At the same time, it offers buyers an innovative and 100% digital payment service. [ Learn more ](https://www.opyn.eu/en/opyn-pay-later) ![chi-siamo](https://www.opyn.eu/hs-fs/hubfs/site2023_opyn_pay_later/site_visual/chi-siamo.jpg?width=725&height=689&name=chi-siamo.jpg) **Opyn Universe** is the Lending as a Service solution for banks, asset managers and companies that want to innovate their processes and offer digital financial services through Opyn's financial technology.  Opyn Universe enables the generation of investment opportunities, innovation and brand reputation through a platform that fosters growth and digitization. [ Learn more ](https://www.opyn.eu/en/opyn-universe) ![chi_siamo_prodotti_02_dk_mb](https://www.opyn.eu/hs-fs/hubfs/site2023_opyn_pay_later/site_visual/chi_siamo_prodotti_02_dk_mb.webp?width=725&height=689&name=chi_siamo_prodotti_02_dk_mb.webp) **Opyn Credit AI** is the digital ally of credit analysts, evaluation and management experts. Utilising generative artificial intelligence and machine learning, the tool offers useful solutions to speed up and automate repetitive manual tasks, reducing risks and operational costs whilst ensuring full compliance with company procedures and policies. [ Learn more ](https://www.opyn.eu/en/credit-ai) ![OpynCreditAI_ImmaginiSito_BoxHomepage](https://www.opyn.eu/hs-fs/hubfs/OpynCreditAI_ImmaginiSito_BoxHomepage.png?width=738&height=629&name=OpynCreditAI_ImmaginiSito_BoxHomepage.png) **Opyn Insight** is the technological solution for simplifying and optimising decision-making processes; it supports activities such as risk assessment, fraud detection and credit scoring. These are modular, scalable and easily configurable services that offer real support to those who have to simulate predictive scenarios. [ Learn more ](https://www.opyn.eu/en/insight) ![Opyn_Insight_ImmaginiSito_BoxChiSiamo](https://www.opyn.eu/hs-fs/hubfs/Opyn_Insight_ImmaginiSito_BoxChiSiamo.png?width=464&height=440&name=Opyn_Insight_ImmaginiSito_BoxChiSiamo.png) ## The Corporate Group #### Business Innovation Lab Spa. ![Gruppo societario_EN](https://www.opyn.eu/hs-fs/hubfs/00_opyn_site_24/site_images/chi-siamo/Gruppo%20societario_EN_Blu.png?width=2000&height=1331&name=Gruppo%20societario_EN_Blu.png "Gruppo societario_EN") Opyn is a trademark owned by the holding company Business Innovation Lab Spa, which fully controls two other companies, Mo.Net Spa and ART SGR Spa. Mo.Net is the group company authorized to provide payment services related to money lending.  --- ART SGR is authorized to manage alternative investment funds intended for professional investors. These funds lend money through the Opyn platform. ## The Board of Directors ![Angelo Daniele Blancato, Partner and Chairman of the Board](https://www.opyn.eu/hubfs/Opyn%20Pay%20Later/Angelo_Blancato.png) Angelo Daniele Blancato Partner and Chairman of the Board ![Antonio Turroni, Board Member](https://www.opyn.eu/hubfs/00_opyn_site_24/dropbox-material/img_board/sfondo-green/Antonio%20Turroni.png) Antonio Turroni Board Member ![Antonio Lafiosca, Co-Founder and COO | CEO of Mo.Net Spa](https://www.opyn.eu/hubfs/Opyn%20Pay%20Later/Antonio%20Lafiosca.png) Antonio Lafiosca Co-Founder and COO | CEO of Mo.Net Spa ![Dario Frigerio, Board Member](https://www.opyn.eu/hubfs/Opyn%20Pay%20Later/Dario_Frigerio.png) Dario Frigerio Board Member ![Federico Pozzi Chiesa, Partner and Board Member](https://www.opyn.eu/hubfs/Opyn%20Pay%20Later/Federico_Pozzi_Chiesa.png) Federico Pozzi Chiesa Partner and Board Member ![Giuseppe Donvito, Board Member and Representative for P101](https://www.opyn.eu/hubfs/Opyn%20Pay%20Later/Giuseppe_Donvito.png) Giuseppe Donvito Board Member and Representative for P101 ![Ivan Pellegrini, Co-Founder and Group CEO](https://www.opyn.eu/hubfs/Opyn%20Pay%20Later/Ivan_Pellegrini.png) Ivan Pellegrini Co-Founder and Group CEO ![Mauro Massironi, Board Member and Representative for Azimut](https://www.opyn.eu/hubfs/Opyn%20Pay%20Later/Mauro_Massironi.png) Mauro Massironi Board Member and Representative for Azimut