Vipera is a cutting-edge provider of digital banking, payment and customer engagement solutions for banks and retailers.
Vipera is a cutting-edge provider of digital banking, payment and customer engagement solutions for banks and retailers.
SME 360 app
A mobile payment solution developed by Vipera in collaboration with Mastercard to meet the specific needs of small business owners:
1. Get Paid
2. Control your Cards
3. Expense Management
Mobile Card Control
Vipera’s Card Control delivers powerful real-time control of payment cards into the hands of the user.
Features include transaction alerts & card locks by channel (online, in-store, ATM), by geography and for contactless transactions, as well as personal financial management & budgeting tools.
PSD2 and Open Banking
PSD2 is driving the Open Banking agenda far beyond European borders. The environment is ever more challenging across all markets.
Vipera’s PSD2 solutions maximise banks’ return on their investment by helping them defend their customer base & attract new customers.
Mashreq Bank launches Mashreq Neo
A new full service digital-only bank.
Completely branchless and targeted at the connected generation, Mashreq Neo offers users an incredible digital experience.
Fight Back Against Showrooming
Vipera’s Retail solutions minimise the ever-present threat of showrooming while building customer loyalty and growing sales.
With mobile catalogues, location-based offers, augmented reality product information, self-checkout on mobile, and more, retailers can convert “showroomers” to loyal customers.
Shaping the future of finance, together
Fabrick is a rapidly growing financial ecosystem, that enables and fosters collaboration between its members to create innovative solutions for end-customers through the use of standardised APIs on a specialist Open Banking platform.
Vipera is a founder member of Fabrick.
A way to make Europe
VIPERA Ibérica SL has carried out the R&D project named “New platform for the tracing of components in supply chains” (TRACEPOINT), with the financial support from the European Regional Development Fund (ERDF) and the The Centre for the Development of Industrial Technology (CDTI).
The core objective of the project TRACEPOINT is the development of a new product in the form of a Cloud platform that interconnects the different nodes: one for each participant in the supply chain that host the information regarding the state of each batch or component, as well as a series of rules (Smart Contracts) that guarantee the compliance of payments among the different participants.
The Project has been carried out in Pozuelo de Alarcón (Madrid) between April 18th and May 31st 2019, with a budget of 424,142 €.
Una manera de hacer Europa
VIPERA IBERICA, S.L. ha recibido una ayuda para su proyecto de Investigación y Desarrollo [CODEQR] SISTEMA AVANZADO DE PAGOS MEDIANTE CÓDIGOS QR a través del Centro para el Desarrollo Tecnológico Industrial (CDTI), ayuda cofinanciada por la Unión Europea a través del Fondo Europeo de Desarrollo Regional (FEDER).
El objetivo del proyecto es complementar la oferta de medios de pago lanzando un servicio de pago con QR de marca blanca en España.
La tecnología QR ha demostrado ser una alternativa sólida para realizar pagos online y offline entre usuarios y comercios donde no está muy extendido el pago con tarjeta. Así, el principal objetivo del proyecto es dotar de una nueva forma de pago mediante QR, desarrollados bajo EMV y regulación PSD2, que permita al usuario y a los comercios realizar transacciones de forma rápida, fácil y segura.
VIPERA IBERICA, S.L. has been granted with a financial aid for its Research and Development Project named ADVANCED PAYMENT SYSTEM BY QR CODES. The Centre for the Development of Industrial Technology (CDTI) manage this financial aid that is co-funded by the European Regional Development Funds.
The main objective of the project is to complete the offer of payment methods by launching a payment service with white label QR in Spain.
QR technology has proven to be a solid alternative to make online and offline payments between users and businesses where card payment is not widespread. Thus, the main objective of the project is to provide a new form of payment through QR, developed under EMV and PSD2 regulation, which allows the user and businesses to make transactions quickly, easily and safely.
Una manera de hacer Europa
Este proyecto ha sido cofinanciado por el Fondo Europeo de Desarrollo Regional (FEDER) con el objetivo de promover el desarrollo tecnológico, la innovación y una investigación de calidad
VIPERA IBÉRICA, S.L. ha recibido una ayuda para su proyecto de Investigación y Desarrollo [SELECT] SISTEMA DE GESTIÓN DE CUENTAS BANCARIAS Y TARJETAS DE CRÉDITO PARA EL CONTROL FINANCIERO DIARIO a través del Centro para el Desarrollo Tecnológico Industrial (CDTI), ayuda cofinanciada por la Unión Europea a través del Fondo Europeo de Desarrollo Regional (FEDER).
El objetivo del proyecto es una solución simple y fácil de usar que pretende tener toda la información de las cuentas bancarias y tarjetas de crédito del usuario en una sola aplicación y de un solo vistazo.
Utilizando tecnología vanguardista, SELECT permitirá agrupar la información de las cuentas bancarias y de las tarjetas de crédito para finalmente analizar los datos y proporcionar información relevante y asesoramiento financiero, beneficiándose de no solo una visión simplificada y agregada de la información, sino también de consejos relevantes sobre la actividad de tus tarjetas.
Lugar de ejecución: Comunidad de Madrid
Plazo de ejecución: 01/05/2020 – 01/05/2021
Presupuesto del proyecto: 630.852,00€
VIPERA IBÉRICA, S.L. has been granted with a financial aid for its Research and Development Project named [SELECT] MANAGEMENT SYSTEM OF BANK ACCOUNTS AND CREDIT CARDS FOR DAILY FINANCIAL CONTROL. The Centre for the Development of Industrial Technology (CDTI) manage this financial aid that is co-funded by the European Regional Development Funds.
The main objective of the project is a simple and easy-to-use solution that aims to have all the information of the user’s bank accounts and credit cards in a single application and at a single glance.
Using state-of-the-art technology, SELECT will allow the grouping of bank account and credit card information to finally analyze the data and provide relevant information and financial advice, benefiting not only from a simplified and aggregated view of the information, but also from relevant advice about the activity of your cards.
Place of execution: Comunidad de Madrid
Execution Period (Start-End): 01/05/2020 – 01/05/2021
Project budget: 630.852,00€
Mobile Card Control
Vipera’s Card Control delivers powerful real-time control of payment cards into the hands of the user.
Features include transaction alerts & card locks by channel (online, in-store, ATM), by geography and for contactless transactions, as well as personal financial management & budgeting tools.
Mashreq Bank launches Mashreq Neo
A new full service digital-only bank.
Completely branchless and targeted at the connected generation, Mashreq Neo offers users an incredible digital experience.
Fight Back Against Showrooming
Vipera’s Retail solutions minimise the ever-present threat of showrooming while building customer loyalty and growing sales.
With mobile catalogues, location-based offers, augmented reality product information, self-checkout on mobile, and more, retailers can convert “showroomers” to loyal customers.
Shaping the future of finance, together
Fabrick is a rapidly growing financial ecosystem, that enables and fosters collaboration between its members to create innovative solutions for end-customers through the use of standardised APIs on a specialist Open Banking platform.
Vipera is a founder member of Fabrick.
A way to make Europe
VIPERA Ibérica SL has carried out the R&D project named “New platform for the tracing of components in supply chains” (TRACEPOINT), with the financial support from the European Regional Development Fund (ERDF) and the The Centre for the Development of Industrial Technology (CDTI).
The core objective of the project TRACEPOINT is the development of a new product in the form of a Cloud platform that interconnects the different nodes: one for each participant in the supply chain that host the information regarding the state of each batch or component, as well as a series of rules (Smart Contracts) that guarantee the compliance of payments among the different participants.
The Project has been carried out in Pozuelo de Alarcón (Madrid) between April 18th and May 31st 2019, with a budget of 424,142 €.
Una manera de hacer Europa
VIPERA IBERICA, S.L. ha recibido una ayuda para su proyecto de Investigación y Desarrollo [CODEQR] SISTEMA AVANZADO DE PAGOS MEDIANTE CÓDIGOS QR a través del Centro para el Desarrollo Tecnológico Industrial (CDTI), ayuda cofinanciada por la Unión Europea a través del Fondo Europeo de Desarrollo Regional (FEDER).
El objetivo del proyecto es complementar la oferta de medios de pago lanzando un servicio de pago con QR de marca blanca en España.
La tecnología QR ha demostrado ser una alternativa sólida para realizar pagos online y offline entre usuarios y comercios donde no está muy extendido el pago con tarjeta. Así, el principal objetivo del proyecto es dotar de una nueva forma de pago mediante QR, desarrollados bajo EMV y regulación PSD2, que permita al usuario y a los comercios realizar transacciones de forma rápida, fácil y segura.
VIPERA IBERICA, S.L. has been granted with a financial aid for its Research and Development Project named ADVANCED PAYMENT SYSTEM BY QR CODES. The Centre for the Development of Industrial Technology (CDTI) manage this financial aid that is co-funded by the European Regional Development Funds.
The main objective of the project is to complete the offer of payment methods by launching a payment service with white label QR in Spain.
QR technology has proven to be a solid alternative to make online and offline payments between users and businesses where card payment is not widespread. Thus, the main objective of the project is to provide a new form of payment through QR, developed under EMV and PSD2 regulation, which allows the user and businesses to make transactions quickly, easily and safely.
Una manera de hacer Europa
Este proyecto ha sido cofinanciado por el Fondo Europeo de Desarrollo Regional (FEDER) con el objetivo de promover el desarrollo tecnológico, la innovación y una investigación de calidad
VIPERA IBÉRICA, S.L. ha recibido una ayuda para su proyecto de Investigación y Desarrollo [SELECT] SISTEMA DE GESTIÓN DE CUENTAS BANCARIAS Y TARJETAS DE CRÉDITO PARA EL CONTROL FINANCIERO DIARIO a través del Centro para el Desarrollo Tecnológico Industrial (CDTI), ayuda cofinanciada por la Unión Europea a través del Fondo Europeo de Desarrollo Regional (FEDER).
El objetivo del proyecto es una solución simple y fácil de usar que pretende tener toda la información de las cuentas bancarias y tarjetas de crédito del usuario en una sola aplicación y de un solo vistazo.
Utilizando tecnología vanguardista, SELECT permitirá agrupar la información de las cuentas bancarias y de las tarjetas de crédito para finalmente analizar los datos y proporcionar información relevante y asesoramiento financiero, beneficiándose de no solo una visión simplificada y agregada de la información, sino también de consejos relevantes sobre la actividad de tus tarjetas.
Lugar de ejecución: Comunidad de Madrid
Plazo de ejecución: 01/05/2020 – 01/05/2021
Presupuesto del proyecto: 630.852,00€
VIPERA IBÉRICA, S.L. has been granted with a financial aid for its Research and Development Project named [SELECT] MANAGEMENT SYSTEM OF BANK ACCOUNTS AND CREDIT CARDS FOR DAILY FINANCIAL CONTROL. The Centre for the Development of Industrial Technology (CDTI) manage this financial aid that is co-funded by the European Regional Development Funds.
The main objective of the project is a simple and easy-to-use solution that aims to have all the information of the user’s bank accounts and credit cards in a single application and at a single glance.
Using state-of-the-art technology, SELECT will allow the grouping of bank account and credit card information to finally analyze the data and provide relevant information and financial advice, benefiting not only from a simplified and aggregated view of the information, but also from relevant advice about the activity of your cards.
Place of execution: Comunidad de Madrid
Execution Period (Start-End): 01/05/2020 – 01/05/2021
Project budget: 630.852,00€
VIPERA IBÉRICA, S.L. ha recibido una ayuda para su proyecto de Investigación y Desarrollo [LOOPS] PLATAFORMA TECNOLÓGICA PARA CÁMARA DE COMPENSACIÓN DE PAGOS ENTRE EMPRESAS a través del Centro para el Desarrollo Tecnológico Industrial (CDTI), ayuda cofinanciada por la Unión Europea a través del Fondo Europeo de Desarrollo Regional (FEDER). El objetivo del proyecto es una solución tecnológica para proporcionar a las empresas un mecanismo de cobros y pagos que elimina la necesidad de poseer liquidez para su realización reduciendo así la necesidad de un mayor endeudamiento. Así pues, el proyecto consiste en el desarrollo de una plataforma Cloud con algoritmos de Inteligencia Artificial y tecnología Blockchain para alojar una cámara de compensación de pagos entre empresas con un modelo de ejecución de las transacciones entre las compañías participantes del programa mediante la creación de anillos de clientes-proveedores y el cobro y pago simultáneo de todos los saldos deudores-acreedores del anillo.
Lugar de ejecución: Comunidad de Madrid
Plazo de ejecución: 01/07/2020 – 31/12/2021
Presupuesto del proyecto: 790.691,00€
VIPERA IBÉRICA, S.L. has been granted with a financial aid for its Research and Development Project named [LOOPS] TECHNOLOGICAL PLATFORM FOR COMPENSATION CLEARANCE CHAMBER BETWEEN COMPANIES. The Centre for the Development of Industrial Technology (CDTI) manage this financial aid that is co-funded by the European Regional Development Funds. The main objective of the project is a technological solution to provide companies with a collection and payment mechanism that eliminates the need to have liquidity to carry it out, thus reducing the need for greater indebtedness. Thus, the project consists of the development of a Cloud platform with Artificial Intelligence algorithms and Blockchain technology to host a clearinghouse for payments between companies with a model for executing transactions between the companies participating in the program by creating rings. of customers-suppliers and the simultaneous collection and payment of all debtor-creditor balances of the ring.
Place of execution: Comunidad de Madrid
Execution Period (Start-End): 01/07/2020 – 31/12/2021
Project budget: 790.691,00€
VIPERA IBÉRICA, S.L. ha recibido una ayuda para su proyecto de Investigación y Desarrollo [SECURECERT] PLATAFORMA DIGITAL DE CERTIFICACIONES DE EMPLEABILIDAD a través del Centro para el Desarrollo Tecnológico Industrial (CDTI), ayuda cofinanciada por la Unión Europea a través del Fondo Europeo de Desarrollo Regional (FEDER). El objetivo del proyecto es desarrollar una plataforma cloud que interconectará a todos los participantes de un proceso de contratación (empresas, candidatos, reclutadores) para resolver, mediante cadenas de bloques, los problemas que surgen en las diferentes etapas del proceso de selección y contratación: veracidad de la información, visibilidad selectiva, actualización de certificaciones y títulos, coste de validaciones y conservación de los datos por requerimientos legales.
Lugar de ejecución: Comunidad de Madrid
Plazo de ejecución: 01/06/2021 – 31/07/2022
Presupuesto del proyecto: 454.403,00€
IPERA IBÉRICA, S.L. has been granted with a financial aid for its Research and Development Project named [SECURECERT] DIGITAL PLATFORM FOR EMPLOYABILITY CERTIFICATIONS. The Centre for the Development of Industrial Technology (CDTI) manage this financial aid that is co-funded by the European Regional Development Funds. The main objective of the project is to develop a cloud platform that will interconnect all the participants in a hiring process (companies, candidates, recruiters) to solve, through blockchains, the problems that arise in the different stages of the selection and hiring process: veracity of the information, selective visibility, updating of certifications and titles, cost of validations and conservation of data due to legal requirements.
Place of execution: Comunidad de Madrid
Execution Period (Start-End): 01/06/2021 – 31/07/2022
Project budget: 454.403,00€
VIPERA IBERICA, S.L. ha recibido una ayuda para la contratación de dos personas jóvenes, menores de treinta años, capacitadas para llevar a cabo proyectos de investigación en calidad de investigadoras, tecnólogas, personal técnico y otros perfiles profesionales en I + D + i, facilitando su inserción laboral tanto en el sector para contribuir a incrementar la competitividad de la investigación y la innovación. La financiación de esta ayuda se realiza con cargo a los correspondientes fondos dotados en el Presupuesto de gastos del Servicio Público de Empleo Estatal, en el marco de los recursos financieros derivados del Instrumento Europeo de Recuperación (Next Generation UE), a través del Mecanismo de Recuperación y Resiliencia establecido por el Reglamento (UE) 2021/241 del Parlamento Europeo y del Consejo, de 12 de febrero de 2021, distribuidos a las Comunidades Autónomas en función de los criterios objetivos acordados por la Conferencia Sectorial de Empleo y Asuntos Laborales.
Lugar de contratación: Comunidad de Madrid
Plazo de ejecución: Septiembre 2022 – Octubre 2023
Presupuesto: 66.217,84 €
VIPERA IBERICA, S.L. has received a grant for the hiring of two young people, under thirty years of age, trained to carry out research projects as researchers, technologists, technical personnel and other professional profiles in R + D + i, facilitating their labor insertion both in the sector to contribute to increase the competitiveness of research and innovation. The financing of this aid is made from the corresponding funds provided in the Budget of expenses of the Public Service of State Employment, within the framework of the financial resources derived from the European Recovery Instrument (Next Generation EU), through the Recovery and Resilience Facility established by Regulation (EU) 2021/241 of the European Parliament and of the Council, of 12 February 2021, distributed to the Autonomous Communities according to the objective criteria agreed by the Sectoral Conference on Employment and Labour Affairs.
Place of contract: Comunidad de Madrid
Execution Period (Start – End): September 2022 – October 2023
Budget: 66.217,84 €