Newcastle-based data reconciliation provider Kani Payments has entered into a partnership with UK fintech Osper to support the company’s transition from a consumer-focused start-up to a full-scale fintech platform. The collaboration will help Osper manage growing complexity in its data reporting, reconciliation and business intelligence needs as it expands across the financial services ecosystem.
Osper is a UK fintech scale-up that was established in 2013 as a prepaid card and mobile app aimed at helping children develop positive financial habits. Since then, the company has evolved its technology stack to serve the broader fintech ecosystem, offering white-label solutions to banks and fintechs building their own card and app experiences.
From education app to white-label fintech platform
After launching in 2013, Osper quickly gained traction for helping children and teens manage money through its prepaid card and user-friendly app. The platform let users make payments, set spending categories and create savings goals—laying the foundation for financial responsibility.
In 2019, Osper expanded its focus to B2B by opening its technology stack to external partners. Banks, start-ups, and issuers can now leverage Osper’s platform on a white-label basis to accelerate go-to-market without building core infrastructure in-house. This flexibility extends to integrations: partners can bring their own processor, acquirer or issuing partner—or use Osper’s.
This evolution has increased both the scale and complexity of Osper’s data environment. The company now handles larger, more fragmented data sets and reporting obligations across multiple providers.
“Our growth means there is more work involved in data reporting and reconciliation. For example, the number of reports that we have to prepare for accountants and our issuing banks has grown. Of course, we get audited more often as well. But it’s not just about the reporting we have to provide to issuing banks. It is also extremely important that we have the abiity to generate meaningful insights into our customer base,” said Ester Piubeni, Operations Director at Osper.
Data challenges of a scaling fintech
Like many scaling fintechs, Osper found that the operational burden of managing diverse datasets—from multiple processors and systems—made reconciliations slower and more error-prone.
“One of the big challenges is that a company like ours has several providers,” adds Ester. “There are lots of data sets spread across different platforms, which makes reconciliations much more complicated.”
A platform built to simplify complexity
To meet its new reporting and reconciliation demands, Osper partnered with Kani Payments. Kani’s SaaS platform ingests raw data from any processor, issuer or scheme and automatically standardises and presents it in an intuitive dashboard. This allows teams to generate reports, spot anomalies and derive insights quickly—without needing to code or manually prepare data.
“What we love about the Kani platform is its ability to pull in data from different sources and reconcile it in a few minutes, whereas before reconciliations would take several hours,” Ester says. “The system we were using before required users to know SQL… Now, we don’t have to bother the engineers because we can get the information ourselves.”
“It’s so useful to have all of that data flowing into one central platform, where our team can access it easily. That’s one of the biggest benefits of the Kani platform.”
Time saved, insights gained
With automation taking care of reporting and reconciliation, Osper has been able to free up internal resources and redeploy team members to new strategic projects—accelerating go-to-market timelines and improving operational efficiency.
“It’s a fantastic tool to gain insights into what our customers are doing… This gives us much-needed insight on cardholder behaviour… That kind of information can create a massive difference in creating marketing partnerships and is essential in designing future campaigns.”
A platform for global expansion
The partnership with Kani Payments has given Osper the data agility it needs to continue scaling internationally.
“We’re working with partners in the MENA region allowing us to service banks and brands in those countries,” Ester says.
As Osper continues its expansion, Kani will remain a key part of its growth infrastructure—delivering real-time reporting, automated and accurate reconciliation, as well as insights to support compliance, product development, and customer experience.
To date, Kani Payments has reconciled over €10 billion in processed payment volume across a growing base of fintechs, issuers, and acquirers worldwide—empowering teams to turn complex financial data into clarity, speed and control.
