Opyn Universe, Lending as a Service for Your Business

The complete solution for digitising and innovating credit management for banks, financial intermediaries and corporations.

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Improve credit management and develop new business lines

Technology, people and a wealth of experience, offering a universe of possibilities

End-to-end credit management

With our platform you will be able to:

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    Analyse and assess creditworthiness with the utmost accuracy and speed

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    Manage access to subsidised finance instruments

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    Offer your customers fully outsourced digital credit solutions

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Modular solution

With our platform you will be able to:

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    Integrate one or more analysis modules to assess creditworthiness and ESG profiles

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    Rely on our experts to manage every activity related to credit processes

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    Integrate our technology and BPO services quickly and easily

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Why choose Opyn Universe

 

efficiency

Efficiency

Automate data collection and analysis, optimising processes

 

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Speed

Reduces management time and simplifies analysts' work

customization

Customization

Allows to create customised solutions adapted to your business and technology needs

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Integration

Easily integrates with any internal tools in use

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Data-driven

Offers active data monitoring to monitor and predict future scenarios 

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ESG Assessment

Builds customised projects related to the green & sustainability context

 

Green financing and ESG criteria assessments 

Our technology at the service of green and sustainability projects

Sustainability is becoming more and more prominent for credit operators looking to meet their growth targets in the number of green loans and mortgages set by European regulations.

With its proprietary technology and the long-standing experience of its team of analysts in creditworthiness assessments, in this scenario Opyn is the ideal partner to provide comprehensive support to both banks and companies in green transactions, helping in the digitisation of ESG criteria assessments. 

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

fintech
Lending as a Service
Opyn's technology lets us to analyze financing requests more accurately by using Big Data and AI
Gabriele Blei, CEO Azimut Holding

Do you want to discover more?

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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.

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