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
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
12. 12
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
14. 14
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)
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