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David Copper, M.Sc. (Lpool)

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Professional Bio

Overview

David Copper serves as Principal Developer & Consultant, specialising in innovative fintech onboarding platforms. He holds a Master of Science degree in Information Technology from the University of Liverpool.

David possesses extensive experience in systems development and business analysis, with a strong background in design and implementation. His expertise spans end-to-end project delivery, system integration, process optimisation, and regulatory compliance.

Typically reporting directly to the C-Suite and Executive Committees (EXCO), David has demonstrated a commitment to excellence, combining technical proficiency with a deep understanding of business operations. His focus on delivering tailored, efficient onboarding solutions ensures clients achieve strategic objectives. At the forefront of PSP and ISO merchant onboarding, he leads the design and execution of complex onboarding frameworks, regulatory compliance programs, and operational transformation initiatives. His strategic oversight ensures that merchant acquisition processes are not only operationally efficient but also future-proofed against evolving regulatory and market demands. David's Innovation Lab approach is instrumental in helping organizations optimize their onboarding capabilities, enhance risk management practices, and drive sustainable growth, while maintaining high standards of service and compliance.

API Integration Experience

Preferred 2025 Development Environments

preferred Stack

Other Supported Environments

Other supported stacks

Testimonials

Eric Levy | Startup Funding Lead | Atlanta, USA.

David is one of those rare professionals who can turn a complex business challenge into a streamlined, scalable solution — and make it look effortless in the process. During our time working together, David led the creation of an online merchant application form that fundamentally transformed our customer onboarding experience.

What he delivered wasn't just a form — it was an end-to-end automation of a previously manual, error-prone process. His solution significantly reduced onboarding time, improved data accuracy, and provided a far smoother experience for both internal teams and our merchants. It was a game-changer.

David combines deep technical acumen with a clear understanding of business needs. He asks the right questions, anticipates downstream impacts, and builds with scale in mind. Just as important, he's collaborative, responsive, and a pleasure to work with.

If you're looking for someone who can modernize legacy processes and deliver measurable impact, David's your guy.

Daniel Holden | Payments Lead | London, UK.

David has an incredible grasp of payments technology and a real talent for breaking down complex systems into clear, workable solutions. Whether it's streamlining onboarding, integrating platforms, or navigating compliance, he brings a calm, confident approach that inspires trust. He's someone you want in the room when solving tough payments challenges.

I have engaged number of technology professionals in the payments space, but David truly stands out. His combination of deep expertise and down-to-earth collaboration is rare—and invaluable.

Angus Innes-Coutts | Anti-Fraud Lead | Dubai, UAE.

In the fast-moving world of payments, fraud prevention is a constant challenge—but working with David made a real difference. He understands not just the technical architecture behind onboarding and transaction flows, but also how fraud risk fits into the bigger picture. His ability to spot weak points early and design around them has saved us time, money, and a lot of future headaches. He brings a level of clarity and foresight that's hard to find

David's insights helped us tighten controls without slowing down the business—a rare balance. I'd gladly work with him again.

Fernanda Borges | Advanced Training | Goiania, Brazil.

Working with David was a turning point for our digital growth at Advanced Training. As a fast-scaling education company, we needed more than just technical improvements — we needed structure, automation, and a smarter way to manage onboarding, payments, and customer data without increasing operational overhead.

David quickly understood both our business model and our growth ambitions. He identified inefficiencies in our existing processes and designed streamlined, scalable solutions that brought immediate clarity and control. What impressed me most was his ability to translate complex technical concepts into practical, business-focused outcomes.

His strategic mindset, combined with deep payments and systems expertise, allowed us to strengthen our operational foundation while improving the experience for both our team and our clients. The results were measurable: improved efficiency, better data visibility, and far greater confidence in our processes.

David is not just a technology expert — he is a true business partner who thinks ahead, builds with intention, and delivers lasting impact. I highly recommend him to any organization looking to scale with intelligence and precision.

Radu Popescu | Crypto Lead | London, UK.

In the rapidly evolving world of blockchain and digital assets, technical depth alone isn’t enough—you need strategic vision and real architectural understanding. Working with David has been a standout experience. He doesn't just understand blockchain at a surface level; he has a comprehensive grasp of distributed ledger architecture, consensus mechanisms, smart contract design, and the broader token economy landscape.

What truly impressed me is his ability to connect protocol-level mechanics with real business outcomes. Whether discussing Layer 1 infrastructure, DeFi models, governance structures, or scalability strategies, he approaches each challenge with clarity, precision, and forward-thinking insight. He identifies structural risks early, designs with long-term sustainability in mind, and ensures solutions are both technically robust and commercially viable.

David brings a rare combination of deep blockchain knowledge and practical execution. I would gladly collaborate with him again on any serious Web3 or digital asset initiative.

Deterix Ltd (trading as opaq) is registered in England & Wales, Company No. 09956587.

Registered office address:
4 Hadleigh Business Centre, 351 London Road, Hadleigh, Benfleet, Essex, SS7 2BT, UK

Contact Us

Appointments:
Funding Fixed (Chief Technology Officer) | MIT Campus, Cambridge, Massachusetts, USA
Trust Payments (Senior Onboarding Consultant) | opaq, Silicone Roundabout, London, United Kingdom
Email: team@opaq.io
Phone: +44 1366 727140