The technology landscape in financial services has fundamentally shifted. Where companies once built everything in-house, today's most successful firms recognize that sustainable growth comes through strategic partnerships. The mortgage technology sector exemplifies this evolution - leading platforms build extensive partner ecosystems, recognizing that no single vendor can address every market variation and client-specific need.
The partnership between Oper and Synpulse demonstrates this model in action. Oper provides proven mortgage technology. Synpulse brings implementation expertise, technical customization, and longstanding banking relationships. Together, we deliver comprehensive solutions enabling banks to modernize mortgage operations with both standardized technology and market-specific functionality - all through a single point of accountability.
A large Hungarian lender needed to modernize its mortgage operations with a digital platform serving both customers and advisors. However, the bank's requirements extended beyond standard international mortgage platforms.
Key challenges included:
The bank needed proven mortgage technology combined with market-specific functionality through a single, cohesive solution.
The Oper-Synpulse partnership delivered an integrated approach leveraging both companies' strengths. Oper's mortgage platform provides the foundation - robust functionality for simulation, application, and advisor workflows. Synpulse develops custom microservices that integrate seamlessly within the Oper product, appearing as native platform features and supports the end-to-end implementation process. For the bank it means a full housing journey from savings to finding a house to mortgage origination.
It includes:
Geert van Kerckhoven, CEO at Oper Credits, about the partnership:
"With our partnership we help the bank being the first in market to offer a complete financial services portfolio from savings to mortgages. To achieve this we transformed the bank from siloed and branch oriented model to a full digital service model.”
André Burger, Senior Partner at Synpulse, about the partnership:
"Our collaboration with Oper shows what’s possible when proven technology meets deep banking expertise: banks gain a single, future-ready mortgage platform that adapts to their market, their products, and their ambition."
The partnership delivers considerable operational impact by consolidating all mortgage-related products and processes into one platform. This eliminated the inefficiencies of managing multiple disconnected systems - advisors no longer switch between interfaces, processing times decreased, and the bank gained centralized project management.
Having a single point of accountability through the Oper-Synpulse partnership simplified implementation significantly. Rather than coordinating multiple vendors with different timelines, the bank worked with one unified team, accelerating delivery and reducing typical coordination overhead. The result is a faster, better and smarter mortgage origination solution specific for the respective market.
By focusing exclusively on mortgage technology, Oper has built deep expertise refined across multiple European markets. Partnering with Synpulse extends this mortgage excellence with their capabilities in technical implementation, system integration, and regional banking requirements. This way, mortgage expertise
This focused expertise proved more effective than working with a generalist vendor attempting to do everything.
The architecture enables custom microservices to integrate within Oper's platform and appear as native functionality:
The mortgage technology landscape increasingly demands specialization. Regional banking requires deep local expertise alongside proven technology, yet building everything in-house dilutes focus and resources. Banks themselves prefer working with networks of specialized partners - each bringing deep domain expertise - over single vendors attempting to do everything with shallow knowledge across many areas.
Market complexity: No single company can address every regional variation, regulatory requirement, and market-specific product need. Success requires platform providers who excel at core technology working alongside specialized partners who bring local expertise and implementation capabilities.
Resource optimization: Companies achieve better outcomes by focusing on core competencies. Platform providers concentrate on advancing their technology while consulting partners deliver market-specific customization and client relationships.
Client preference: Banks want single accountability with comprehensive capabilities. They seek partners who can orchestrate complete solutions without forcing them to manage multiple vendor relationships and integration challenges.
For consulting partners like Synpulse:
Access to proven mortgage technology provides a foundation to build upon rather than developing platforms from scratch. This enhances service offerings to banking clients—delivering complete implementations rather than consulting advice alone—while opening new revenue opportunities through established technology partnerships.
For platform companies like Oper:
Partnerships enable market expansion without internal resource strain or expertise gaps. Access to regional knowledge, client relationships, and specialized implementation capabilities accelerates entry into new markets while maintaining focus on core product innovation.
For banks:
End-to-end mortgage solutions with unified delivery and accountability. Faster implementation through established partner ecosystems. Deep expertise in specific domains rather than shallow knowledge across many areas. Reduced risk through proven integration patterns and collaborative execution.
Oper digitizes and optimizes mortgage origination for lenders across Europe with a white-labelled SaaS offering, now enhanced by Herman, our modular AI agent that scales mortgage expertise across unlimited applications. Partnering with 20 leading financial institutions across 6 countries, we drive a 27% increase in digital customer conversion, 81% faster mortgage decisions, and enable partners like Synpulse to seamlessly extend our platform with market-specific features.
Synpulse is a management consulting firm specializing in financial services, with particular strength in technical implementation and system integration. They combine strategic consulting expertise with hands-on technical capabilities for complex banking projects.
Core capabilities include:
Synpulse serves as a trusted implementation partner that deploys proven technology platforms and extends them with market-specific customizations.
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