Digital Finance Summit 2022 - EU Fintech Pitch Battle https://www.digitalfinancesummit.com/

1. Digital mortgages
start here
1
European Fintech Pitch Battle

2. 2
Buying property,
and getting a mortgage is one of the
most important financial decisions in life…

3. 3
The mortgage
process however,
is still analogue and
paper-driven

4. 4
Where do you go
when there are no
banking branches?

5. 5
5
Property buying &
mortgages are the next
frontier for digitization
Product & Services
Enabling Financial Services
Low cost
High Frequency
Mid cost
Regular Frequency
High Cost
Low Frequency
Largest purchase
People make

6. 6
MARKET
6
€1.2T Mortgage Market

7. 7
MARKET
7
€1.2T Mortgage Market of which
only 5% goes digital

8. 8
DIGITAL MORTGAGES NEED
8
Digital-first Distribution API-enabled Infrastructure
+
Branch-Based Distribution Paper and PDF
&

9. 9
PRODUCT
9
Oper enables the digital mortgage
+ 81% Faster Mortgage Decision
+ 25% Increased Digital Conversion
Oper accelerates lenders’ and brokers’
digital transformation
enabling world-class mortgage experiences. .
- 39% Time for data entry

10. 10
PRODUCT OVERVIEW
10
Digital-First
Distribution
API-First
Infrastructure
Digital Journey Builder Virtual Advisory Portal
Build highly converting
journeys with human
advice and fall back
Enable real-time
mortgage decisions by
exposing APIs for data
collection.

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PRODUCT OVERVIEW
11
Building the
experiences of
the future

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CLIENT CASES
12
We’ve built the mortgage
distribution of the future
Enabled 20 of
mortgage
distribution through
their Neo-bank app
Powered a digital
first mortgage
broker business tied
directly to
real-estate
New digital channel
to increase volume
using intermediaries

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CLIENTS
14
COUNTRIES
6 EUR 2B
MORTGAGES
TRACTION

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BUSINESS MODEL
14
We charge a BPS % of the realized Mortgage Volume
through our Technology
5 - 10 bps
per contracted
mortgage
Variable Fee
SaaS
fee
Fixed Monthly Fee
%
of the
Auxilliary
Service
Cross-Sell Fee

15. 15
BUSINESS MODEL - UNIT ECONOMICS
Digitization will allow distributors to cut costs by 30%
€ 200.000
€ 150
1,5%
45bps
5bps
€ 223.000
1%
€ 1.000
45bps
Benchmark
Indirect distribution cost
30% for lender access &
technology
Further digitization will
put pressure on
transaction cost driven by
technology
-50 BPS
Avg. Distribution Fee
Loan Amount
€ 3.000 € 2.230 € 900
Oper Fees
2020 2025 2020 2025 2020 2025
Oper focusses on
api-based lender access
and SaaS technology
tackling disrupting
franchise work.
x10

16. 16
Founded early 2019, by 3 seasoned Fin & Tech veterans
48 people bybrid team counting 17 nationalities, working from 22
cities
Raised EUR 13,5M from leading enterprise SaaS investors
Meet the digital mortgage leaders
Offices in Brussels (Belgium) and Zürich (Switzerland)

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Proven to
scale pan-EU
Industry-vetted
team
Best-in-class
processes
Scalable cloud
infrastructure

18. 18
VISION
Our technology will
build a European
Mortgage network
that will create
Infinite new customer propositions
1 Single European Mortgage Market
Cheaper and faster mortgage capital deployment
THAT ENABLES
WHICH WILL LEAD TO

19. 19
Lange Gasthuisstraat 29
2000 Antwerp, Belgium
Josefstrasse 219
8005 Zürich, Switzerland