Vipera is a cutting-edge provider of digital banking, payment and customer engagement solutions for banks and retailers.
Our omnichannel solutions deliver a seamless user experience for our clients’ end-customers, wherever they access them. And our Mobile-First approach, developed over 12 years of experience, ensures simple, intuitive user journeys.
Vipera’s Motif platform is highly scalable and highly secure. It is integrated with major payment schemes & processors and is lightweight and non-intrusive on bank legacy systems.
Mobile banking products
Vipera offers a modular product set for both retail and small and medium enterprise (SME) markets.
Our platform offers a wide range of mobile and omnichannel banking capabilities, including account inquiry & management, bill payment, peer-to-peer / instant payments, loyalty programmes, PFM & budgeting tools and many other value-added services.
Our omnichannel solutions are deployed on desktop, tablet, mobile and wearables. Vipera has integrated Siri & Alexa and a chatbot for Facebook Messenger so customers can bank in the way that they want.
Digital wallets for mobile payments
Vipera’s Digital Wallet is pre-configured for all major payment options such as contactless, secure remote and P2P transactions, as well as value-added services.
It is integrated with MasterCard Digital Enablement Service (MDES) and Visa Token Service (VTS) for tokenisation, as well as Masterpass (including Digital Secure Remote Payment security protocols), for secure online commerce applications.
Card control and alert solutions
Vipera works closely with Mastercard and Visa to deliver their respective Controls and Alerts products.
Both suppliers are integrated into our Motif platform, and our Cloud Control solution can deliver both products for issuers without affecting core banking systems.
Rewards solutions for customer loyalty development
Vipera offers a comprehensive rewards solution to help our banking and retail clients to engage with their customers and build loyalty.
It allows companies to create and manage their own rewards programme with options such as coupons, cashback and loyalty points.
Open banking platforms
In June 2018, Vipera was a co-founding member of Fabrick, a new open banking platform and ecosystem.
As the market continues to evolve, this new development enables us to serve our customers with cutting-edge banking and payment solutions.
Mobile and proximity marketing solutions for retailers
Having built its customer engagement expertise in financial services, Vipera extended into the retail sector and now delivers mobile and proximity marketing solutions for large retailers such as Media Markt in Italy.
Vipera brings the best of online experience in-store, to reduce showrooming and to allow retailers to engage with their customers in a new way, including proximity marketing and AR technology.
Innovative integrated financial technologies
Vipera has been driving innovation in mobile banking and payments for over a decade.
Most recently, in 2015, Vipera deployed an Apple Watch mobile banking solution and integrated Touch ID.
We were the first provider in the Middle East and Asia to integrate Siri for voice-activated payments in 2016 and deployed a chat-bot solution off Facebook Messenger in 2017. Its customer engagement solution incorporates the use of geolocation and beacon technology.
Vipera’s digital wallet solution with proximity, remote and P2P payments was one of the first integrated wallets to go live anywhere in the world when it was deployed in 2017. In the same year, our digital wallet was awarded Platinum Partner status by Mastercard.
Vipera’s Motif platform acts as a platform for aggregating and delivering multiple services in a single seamless customer experience. We are committed to delivering the latest functionality to banks and their customers using both payment scheme and third-party application programming interfaces (APIs).
About Vipera
Founded in 2005 as a mobile technology innovator, Vipera is experienced in the development of software solutions and managed services for the growing mobile banking and payment markets.
We operate across Europe, the Middle East and Asia. The Asian market is served through our partnership network, while Europe and the Middle East are served through direct and partner-supported projects. We also have development and implementation centres in Italy and Switzerland, as well as sales and support offices in Europe and the United Arab Emirates (UAE).
More than four million users currently rely on our digital solutions for everyday banking and payment requirements across Europe, the Middle East and Asia.
Vipera has been quoted on the London Stock Exchange’s Alternative Investment Market since 2010 (AIM: VIP). It has more than 125 technology, digital design and marketing professionals operating from the company’s offices worldwide.
