At Oper, we’ve always believed in more than just transforming mortgages—we strive to make a lasting impact on people’s lives, the financial industry, and the environment. This year, our journey was marked by extraordinary milestones, collaborative successes, and a vision that continues to grow stronger, every day. Let’s take a closer look at the highlights of 2024.

Key Achievements: Success Stories

Revolutionizing Mortgages in Record Time

This year, Oper partnered with HYPO Oberösterreich to set a new benchmark for efficiency and impact by going from kick-off to live implementation in just 8 weeks. This remarkable achievement, a testament to seamless collaboration and cutting-edge technology underscores the immediate value delivered to our partners.

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Fundamenta: Digital Transformation in Hungary

We successfully run a pilot and are preparing to roll-out the largest digital mortgage project in Hungary with Fundamenta, empowering over 1,000 agents with digital tools that have transformed how mortgages are managed in the region. The project received unanimous satisfaction from Fundamenta’s team, reaffirming our commitment to excellence and innovation.

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Crafting solutions for the next era of mortgages

AI-Powered Innovation

Oper took a bold step into the future by embedding AI in mortgage origination, with our first live use cases already operational. From assisted recommendations to automated application reviews, our AI features supercharge mortgages by boosting efficiency from advisory to closing. With benefits like up to 90% first-time-right accuracy, 50% faster loan application decisions, and a 40% reduction in time spent per application, we are not just adapting to the transformation but leading it.

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Seamless Digitalization

We completed the End-to-End (E2E) mortgage journey, ensuring a fully digitalized process that takes clients from contact to contract, across any channel.  By streamlining every step of the process, borrowers benefit from faster approvals, reduced paperwork, and enhanced transparency, while advisors save time, increase accuracy, and provide a superior borrower experience. Credit analysts, in turn, enjoy greater efficiency and data consistency, helping to accelerate decision-making.

Strategic Collaborations: Partnering with Leaders

Our success is amplified through partnerships with some of the  leading organizations in the industry:

• PwC Austria: In 2024, we secured PwC Austria as an actively involved partner and joined forces for a webinar on AI in mortgages, exploring market trends and challenges. Together, we aim to accelerate mortgage digitisation in Austria.
• Google Cloud: We’ve taken our collaboration with Google Cloud to the next level, strengthening our shared commitment to innovation and AI. We’re excited to announce that we’ll soon be joining the Google Cloud Marketplace and are eagerly looking forward to hosting our first joint event in Belgium this February
• Synpulse: We have entered a strategic partnership with Synpulse to accelerate the implementation of Oper’s software solutions. Leveraging Synpulse’s deep financial services expertise and the technical capabilities of the Oper platform, we are ready to shake things up in 2025.
• BGK: BGK: A trusted advisor and solution provider for processes and IT in financial services, specializing in process management consulting and digital transformation. Together, we aim to accelerate the digitisation of mortgages across DACH.
• Viable: Together with Viable, we hosted an event in Vienna on customer-centric AI and integrating digital mortgage solutions into core banking systems.

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Sharing Knowledge and Driving Conversations

We strongly believe that real transformation comes from building a community of innovators to exchanging expertise and learning from each other’s experiences. That’s why in 2024, we focused on fostering collaboration and spreading ideas through events, reports, and podcasts.

• We gathered more than 500 leaders in mortgage lending during 10 executive events hosted across Europe. These gatherings brought lenders together to discuss challenges in the mortgage sector, share insights, and explore innovative strategies for success. Thank you to all who joined us!
• Oper took the lead in producing industry reports to support industry innovation. Last year, we published 2 reports under Oper’s flag, which provided actionable insights for lenders navigating a rapidly changing landscape:
  • AI in Mortgages: This report explored how artificial intelligence is transforming mortgage origination, enhancing accuracy, and reducing operational costs.
  • Mortgage Trends 2024: A comprehensive analysis of key trends shaping the mortgage sector, from new tech innovations to sustainability policies.
• In 2024, we also had the pleasure of sharing our expertise on some of the most influential platforms. We appeared as guests on 6 leading podcasts, including BCG Fintech Files and Breaking Banks Europe, where we discussed emerging trends, challenges, and opportunities in the mortgage space.

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Success powered by people

Behind every milestone is a team that makes it possible. In 2024, we:

• Welcomed 15 new team members to the Oper dream team, each bringing fresh perspectives and energy.
• Enjoyed unforgettable team moments, from a summer retreat in Francorchamps to a winter get-together in Antwerp, celebrating our collective achievements and strengthening our bond.

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Looking ahead

As we reflect on 2024, we are filled with gratitude for our clients, partners, and team members. Together, we’ve achieved remarkable results and laid the foundation for even greater strides in 2025. Oper remains committed to revolutionizing mortgages, fostering innovation, and making a difference in the borrowers' path to homeownership.

Here’s to another year of impact, growth, and shared success. Thank you for being part of Oper’s journey!

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Do you want to join our team and revolutionise European mortgages with us in 2025? Explore open careers here.