Integrate LaaS technology into your business

Opyn Universe will give you new opportunities for
business development, digitalization and innovation.

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Discover Opyn Universe

Technology as a service designed for asset managers, financial institutions and large corporations

Banking as a Service

With our platform you will be able to:

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    Identify new high-yield investment opportunities

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    Improve and speed up internal processes

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    Offer your customers fast, new and functional financial services

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Embedded Finance

With our platform you will be able to:

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    Develop new lines of business and revenues

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    Streamline processes and reduce administrative costs

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    Provide your customers and suppliers with financial services

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The advantages of Opyn Universe

A comprehensive solution, adapted to your business and technological needs

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    Customized offer

    Scalable, flexible, modular platform. Customizable product, processes and services (e.g. buy now, pay later, lending, etc.), easily integrated

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    Customized interface

    The interface is tailored to your brand's visual identity to remain consistent and recognizable across all channels

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    User-friendly experience

    Ensures a pleasant and intuitive user experience

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    Ease of integration

    The platform is easy to use and requires no special training

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Why would you benefit from adopting embedded finance?

money

Cost savings

Automate administrative tasks and streamline internal processes

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Increased workflow speed

Get more time for activities where human integration makes a difference while the platform works for you

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Service integration

The platform allows you to integrate the services within your workflow

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Internal tool integration

Any tool in use within your company can be connected to the platform

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Customer loyalty

Offer more usage opportunities based on your target audience's preferences

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Target-audience tracking

Monitor user behavior to gain valuable target-audience data

Why choose us? We'll let our clients tell you

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BaaS
Opyn's technology lets us analyze financing requests more accurately by using big data and AI. It is also thanks to Opyn's platform that we got our neoLending project off the ground, which enables private individuals invest their savings as loans to SMEs.
Gabriele Blei, CEO Azimut Holding
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Embedded Finance
With how difficult it's becoming for SMEs operating in logistics to secure financing, we, as a supply chain leader, wanted to develop a financial instrument to facilitate access to capital and investment.
Giuseppe Esposito, CEO Samag

Do you want to discover more?

Fill out the required information and one of our experts will be in touch shortly

We answer to your questions

Opyn Universe is Opyn's proprietary platform, at the heart of our digital financial services. Opyn Universe lets us provide Lending as a Service: our software allows our customers to leverage innovative financial services. Our platform is based on a high-performance database capable of automating a large number of processes, depending on which financial service has been configured.

This means that human operators can focus on the tasks they are truly needed for. In fact, time is a determining factor, and asynchronous services mean that timely responses are guaranteed. Using web services and APIs, it has become possible to integrate a great many external sources in a fast and agile way.

Credit analysis is a process managed symbiotically between operators and the system. Working together like this covers both the standard checks required by credit policy and specific checks required by internal analysts. So, this system's flexibility makes it adaptable to a large number of financial products. For more information, fill out the form and one of our experts will contact you shortly.

Current account analysis is a standout feature of our credit assessment process and is regulated by PSD2. This was developed internally to help our analysts fully understand the state of the company and go further than traditional financial statements allow. The system is based on artificial intelligence and machine learning, which give it the ability to label and create clusters of all account movements (such as receipts from customers, vendor payments, etc.) automatically. This allows us to manage multiple bank accounts and provide a specific machine learning solution for major Italian banks.

We use labels and clusters to classify movements for multiple purposes, including:
- Cash-flow assessment with the Financial Statement, calculated using the direct method.
- Extracting evidence and anomalies from account movements that may predict SME default probabilities. Our system instantly informs us about salaries, taxes, receivable and payable accounts, customer portfolio concentration, etc.

When an instalment is not paid by the due date, the case is assigned to the dedicated collections workflow. At this stage we undertake a series of actions, including reminders, emails, and phone calls. All this happens automatically, so we can handle a large number of files simultaneously. 

Our platform facilitates reporting to your accountant and to tax authorities using structured data flows that are easy to integrate with third-party vendors. Most data flows are supported by the SQL stored procedure: this way, flows can be modified without needing to wait for the entire app to go live. Each flow is achieved by combining web work (C #) and T-SQL language to optimize extraction performance, for example, by using temporary sets of results such as CTEs or temporary tables.

Do you need more information?

Read our F.A.Q.s