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Headquarters, Stockholm

Formpipe Software AB
Sveavägen 168, Stockholm
Box 231 31, 104 35 Stockholm
SE – Sverige
Tel: +46 8 555 290 60


Gasverksgränd 2, 582 22 Linköping
Tel: +46 8 500 072 25


Metallverksgatan 6, 721 30 Västerås


Engelbrektsgatan 6, 702 12 Örebro


Lautrupvang 1
2750 Ballerup
Tel: +45 3325 6555

More contant info for the Danish office?


Formpipe Lasernet GmbH
Am Flughafen
60549 Frankfurt am Main


UK, Cambridge

First Floor, Block A, Harston Mill,
Cambridge – CB22 7GG
Tel: +44 1223 872747


UK, Nottingham

Unit 1, Isaac Newton Centre 
Nottingham Science Park
Nottingham – NG7 2RH
Tel: +44 115 924 8475



Formpipe, inc.
1200 US Highway 22 E Suite 2000
Bridgewater, NJ 08807
Tel : +1 908 200 7937

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Varo Bank N.A. is an American neo-bank with the aim to treat its customers better than large American banks. With a customer-first approach and a hyper-efficient cost model, their success is a fact; today Varo is one of the largest neobanks in the USA with over 2 million customers.

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Cutting edge in digital banking

Varo chose Lasernet to improve on their already progressive user-friendliness. With the high quality of Formpipe’s software and it’s level of integration with Temenos, it was the clear choice for Kelvin Li, Senior Product Manager at Varo, who notes that “Lasernet allows us to focus our engineering forces on other areas, saving a lot of time and resources”.

Varo Money Inc, founded in 2015, is the first consumer fintech in US history to become a national, mobile-only digital bank. Varo’s mission is to help people become more financially resilient. They offer customers premium bank accounts that have no minimum balance requirement or monthly account fee, high-interest savings accounts, and tech-first features to help people save and manage their money more easily.

World class user experiences

Varo is adopting the latest technology from Silicon Valley and designing a platform centred around advancing the financial health and well-being of all Americans. One of the main factors that differentiates Varo, is its technology platform and architecture that employs open APIs and is cloud native. It was very important for Varo to find technology partners who could support their hyper-efficient cost model – which runs at just 25% of a traditional bank’s service cost - to enable it to pass real value back to its customers.

Varo chose to partner with Temenos, a global leader in banking software, for its core solution. Using Temenos’ cloud-native APIs, Varo can accelerate new product development and launch products rapidly into the market.

“With Lasernet we received a cost-effective solution that represents Varo’s identity well and allows us direct communication with our customers, through customized documents.”

Kelvin Li

<p>Kelvin Li</p>

Trusted Partners in the Temenos Ecosystem

Formpipe has been providing industry leading communication and document management solutions for Temenos customers since 2006. Their close partnership with Temenos led to contact with Varo, who bought Lasernet in January 2019, as part of their implementation of Temenos’ Core banking software.

Formpipe’s software enhances the raw data in Temenos’ product suite, allowing banks to create exceptional digital and print documentation, in multiple languages, across all verticals and networks. With real time distribution to bank customers, documents are made available for immediate retrieval through Internet and Mobile banking as they are generated or received.

Formpipe has also been recognized as Solution Provider of the year by Temenos on six separate occasions.

<p>Three joyful individuals are gathered around a laptop in an office.</p>

Saving engineering time and resources

For Varo, Temenos handles all their transactional data. Lasernet then takes that raw data and transforms it, generating perfectly branded and formatted PDFs which can be accessed by Varo’s customers.

Lasernet’s ease of use and versatility, allows the Varo team to quickly update or amend forms themselves, solving any problems or gaps in requirements, without having to involve engineers. This setup helps them to deliver a customer-first experience, whilst saving time and money.

<p>A woman is sitting with a mobile phone and a credit card in her hands.</p>
<p>A pink piggy bank with coins</p>

Lasernet enables financial actions

“I would say that Lasernet very much contributes to our business and values. It enables us to act anywhere and everywhere, providing safe and correct documents, fully transparent for our customers to know all about their account, and empowers them to take financial actions. The partnership with Formpipe has been very collaborative, to say the least. Without Brian Feast, Banking Team Lead, Operations/Delivery at Formpipe, always communicating with the support we need along the way, we wouldn’t have been so successful.”

Kelvin Li

Rapid scaling based on customer demand

Lasernet provides digital generation for all types of banking documents, including monthly or ‘on-demand’ statements, all of which can be accessed from within standard banking apps. Being deployed in the cloud allows for rapid scaling based on changing customer demand. This flexibility allowed Varo to effortlessly grow their generation volume almost 4000 % between October 2020 and February 2021.

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Varo + Lasernet


Varo is using the Temenos Transact (back-end platform), Temenos Financial Crime Mitigation, Temenos Payments and Temenos Infinity (front-end loan origination solution) services on the cloud. Temenos has proven to be a great partner in helping Varo accelerate the cycle of product iteration, gaining insights and continuing to deliver solutions that solve real pain points for consumers.


Lasernet offers the market’s strongest solution when it comes to generating digital and hard-copy business documents and customer communications. Its intuitive drag-and-drop interface means that design changes can be made in just minutes.