In our latest episode of Voices in Payments podcast, we dive into the rapidly evolving world of mortgage technology and digital transformation in the financial industry. Our guest, Geert Van Kerckhoven the co-founder and CEO of Oper Credits, is leading a Saas platform that is revolutionizing the mortgage process for banks across Europe. With nearly 20 lenders already onboard, their solution is streamlining mortgage origination from contact to contract—cutting down decision times and bringing a much-needed digital shift to a traditionally paper-heavy industry.
During this insightful conversation, we explore how the mortgage industry is embracing technological advancements, particularly AI and open banking. Geert discusses the groundbreaking potential of AI in automating loan approvals, predicting borrower risk, and accelerating decision-making processes by up to 81%. He also shares valuable entrepreneurial lessons on building a company in a challenging, highly regulated industry and the importance of hiring the right talent.
“Foundation models like GPT are inherently well-suited to support the mortgage process. By using the right prompts, these models can streamline tasks like verifying and organizing data without needing additional training on your specific data. This helps ensure data accuracy and consistency, resulting in cleaner loan application files. I believe this will have a transformational impact on the industry."
In addition, we address the current landscape of mortgage digitization in Europe, the impact of open banking, and the future of consumer expectations. With rising complexity in housing affordability and the demand for personalized advice, the conversation highlights the delicate balance between digital innovation and human interaction in delivering the best mortgage experience.
Don’t miss out on this engaging discussion filled with key insights about the future of fintech and how AI is transforming the mortgage industry.
Click down below to listen to the podcast episode.
Geert Van Kerckhoven is the Co-Founder and CEO of Oper Credits, a fintech transforming the traditionally paper-based mortgage industry by enabling full digitalization from contact to contract. Oper’s white-labeled platform allows lenders and brokers to streamline the mortgage process, boosting conversion rates and reducing transaction costs. Trusted by leading mortgage providers across Europe, Oper leverages new EU regulations to offer one-click mortgage solutions, bringing unprecedented efficiency to the sector. Backed by top B2B SaaS investors, Oper is setting a new standard for digital mortgage experiences in the European market.
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