Dmitry Dolgorukov’s Post

Modern lending runs on smart tech, not spreadsheets alone. Banks and lenders today juggle complex documents, compliance checks, and fast-changing borrower expectations. Oxagile helps you bring it all together with intelligent lending software built for speed, accuracy, and trust. With 20 years of fintech engineering behind us, we build lending solutions that are: ⚙️ Automated — faster processing with AI-powered document and risk analysis 🔍 Transparent — real-time borrower updates and self-service portals 🔐 Secure — compliant data protection and scalable cloud infrastructure From commercial and consumer loans to mortgage and collateral systems, our technology helps financial institutions cut approval times, reduce risk, and deliver frictionless lending experiences. #fintech #lendingtech #digitalbanking #loanautomation #riskmanagement #bankinginnovation #securelending

Great points on how lending is finally moving beyond spreadsheets. But let's be honest: The real challenge isn't just automation; it's the AI-Lending Paradox. We need AI to process loans in seconds, deliver unprecedented speed, and flag risk patterns that humans would miss. That’s the "AI" part. Yet, lending is fundamentally a relationship built on trust. Borrowers will reject a decision they don't understand, and regulators will demand an explainable process. That's the "Paradox" part. The future of lending software isn't about replacing the underwriter; it's about building a system that delivers algorithmic speed with human-level transparency. This means architecting for explainable AI (XAI) in credit scoring and ensuring the end-to-end audit trail is as frictionless as the borrower experience itself. The technology that can genuinely reconcile speed, risk reduction, and auditability is the one that wins the market. Oxagile's focus on Automated processing combined with Transparent portals and Secure compliance is exactly the right blueprint for solving this paradox. What part of the lending process do you think needs XAI transparency most urgently? DM me or comment below. #fintech #lendingtech #digitalbanking #loanautomation #ExplainableAI #RiskManagement #DigitalTransformation #Oxagile #AI #Banking

 “Why Transparency Defines the Future of Fintech Partnerships” Trust isn’t built in a day — it’s earned through transparency. At BOXCHARGE, we understand that in financial partnerships, clarity is just as important as capability. That’s why our model prioritizes full visibility into every aspect of your payment process, from transaction monitoring to settlement cycles. We’ve seen too many merchants frustrated by hidden fees, unpredictable timelines, and vague reports. BOXCHARGE is built to change that narrative. With detailed dashboards, transparent pricing, and proactive communication, our clients know exactly where their business stands at any moment. Transparency builds confidence — and confidence accelerates growth. When merchants can rely on data, trust their partner’s processes, and foresee their operational outcomes, they make smarter decisions and scale faster. For BOXCHARGE, transparency isn’t just a principle — it’s the backbone of every partnership we build. Because in the world of payments, openness is what turns service providers into true allies.

Bizcap Australia & New Zealand Welcomes AI Fintech 8fig Into its Global Portfolio to Accelerate Growth Funding Zalman Blachman, Co-Founder and Co-CEO of Bizcap Global, said 8fig’s automated underwriting and servicing platform will accelerate Bizcap’s ambitions. https://lnkd.in/eHp6dNvZ Yaron Shapira #fintech #finance #banking #paytech #payments #fintechnews #paymentsnews

Beehive Fintech has accelerated its SME loan underwriting by 48% by deploying Perfios's AI-powered automation platform. Director Abiha Ahmed stated the solution "has been a game-changer for our underwriting process, enabling us to evaluate applications with greater speed and precision." Read the full news: https://lnkd.in/dwDfVqyh #BeehiveFintech #Perfios #Fintech #SME #AI #DigitalLending #TechIntelPro

Fintech Valuation: When Code Meets Capital 💻💸 Fintechs blend innovation with compliance both shape valuation. 📌 Key Drivers ✔ User growth & retention. ✔ Regulatory compliance. ✔ Monetization via payments, lending, or SaaS. 📊 Approaches ✅ DCF with cohort-based cash flows. ✅ Benchmarking via revenue multiples. 🚀 Way Forward: ✔ Focus on profitability, not just growth. ✔ Balance innovation with trust.

#sthlmtech embedded finance provider Froda teams up with UK-based Triffin, an AI finance platform for consumer brands, to embed Froda’s automated lending technology directly into Triffin’s AI finance workflows. By Tech.eu https://lnkd.in/e3xqNu_2 #NordicMade #nordicfintech Fintech News Nordics - part of Fintech News Network, Fintech Mundi

Thinking of launching a new lending portfolio? Here’s what most financial leaders overlook (and how it can cost you millions)… Building a new portfolio isn’t just about finding market opportunity—success hinges on the right mix of compliance, technology, and operational discipline. Too often, I see even experienced teams rush in, only to run into unexpected regulatory hurdles or higher-than-expected risk and fraud losses. Here’s how I approach it with fintech and lending partners: 1. Start with data: Use AI-driven models to segment customers and predict risk more accurately—before the first loan is even funded. 2. Build compliance in from day one: Map regulatory requirements directly into operational workflows, so scale never comes at the cost of compliance. 3. Prioritize scalable tech: Choose SaaS platforms that grow with you, not ones that create bottlenecks six months down the line. The result? Portfolios that launch faster, with stronger risk controls, and a clear path to ROI. What’s been your biggest challenge when starting a new lending or financial product? I’d love to hear your experiences or lessons learned—let’s learn from each other. P.S. If you’re considering a new portfolio and want to avoid common pitfalls, let’s connect. Always happy to share insights. #Fintech #Lending #RiskManagement #PortfolioGrowth #FinancialServices

𝗙𝗿𝗼𝗺 𝗢𝘄𝗻𝗲𝗿𝘀𝗵𝗶𝗽 𝘁𝗼 𝗔𝗰𝗰𝗲𝘀𝘀: 𝗪𝗵𝘆 𝗦𝗲𝗿𝘃𝗶𝘁𝗶𝘇𝗮𝘁𝗶𝗼𝗻 𝗶𝘀 𝗥𝗲𝘄𝗿𝗶𝘁𝗶𝗻𝗴 𝘁𝗵𝗲 𝗙𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝗟𝗲𝗻𝗱𝗶𝗻𝗴 As industries shift from ownership to access, financial institutions are being challenged to keep up. The rise of 𝗣𝗿𝗼𝗱𝘂𝗰𝘁-𝗮𝘀-𝗮-𝗦𝗲𝗿𝘃𝗶𝗰𝗲 (𝗣𝗮𝗮𝗦) is redefining lending — from traditional loans to usage-based, subscription-led models that demand speed, flexibility, and digital agility. In his latest blog, RaghuRam Krishnan, Head of Learning & Innovation at Uncia.AI, explores how this new paradigm—Servitization—is reshaping the lending ecosystem and what it means for banks and NBFCs looking to stay ahead. At 𝗨𝗻𝗰𝗶𝗮, we believe the success of this shift depends not just on technology, but on 𝗵𝗼𝘄 𝗳𝗮𝘀𝘁 𝗶𝗻𝘀𝘁𝗶𝘁𝘂𝘁𝗶𝗼𝗻𝘀 𝗰𝗮𝗻 𝗯𝘂𝗶𝗹𝗱, 𝘁𝗲𝘀𝘁, 𝗮𝗻𝗱 𝘀𝗰𝗮𝗹𝗲 𝗻𝗲𝘄 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝘀. That’s why we created 𝗨𝗻𝗰𝗶𝗮 𝗘𝗔𝗦𝗘 — a four-step self-serve framework designed to redefine product launch velocity: 1️⃣ 𝙍𝙚𝙜𝙞𝙨𝙩𝙚𝙧 – 𝘎𝘦𝘵 𝘪𝘯𝘴𝘵𝘢𝘯𝘵 𝘢𝘤𝘤𝘦𝘴𝘴. 𝘕𝘰 𝘐𝘛 𝘥𝘦𝘱𝘦𝘯𝘥𝘦𝘯𝘤𝘪𝘦𝘴, 𝘯𝘰 𝘸𝘢𝘪𝘵𝘪𝘯𝘨. 2️⃣ 𝘾𝙤𝙣𝙛𝙞𝙜𝙪𝙧𝙚 – 𝘋𝘦𝘴𝘪𝘨𝘯 𝘢𝘯𝘥 𝘤𝘶𝘴𝘵𝘰𝘮𝘪𝘻𝘦 𝘸𝘰𝘳𝘬𝘧𝘭𝘰𝘸𝘴 𝘵𝘰 𝘧𝘪𝘵 𝘺𝘰𝘶𝘳 𝘚𝘊𝘍 𝘴𝘵𝘳𝘢𝘵𝘦𝘨𝘺. 3️⃣ 𝙑𝙖𝙡𝙞𝙙𝙖𝙩𝙚 – 𝘚𝘪𝘮𝘶𝘭𝘢𝘵𝘦, 𝘵𝘦𝘴𝘵, 𝘢𝘯𝘥 𝘴𝘵𝘳𝘦𝘴𝘴-𝘤𝘩𝘦𝘤𝘬 𝘤𝘰𝘮𝘱𝘭𝘪𝘢𝘯𝘤𝘦 𝘶𝘴𝘪𝘯𝘨 𝘈𝘐. 4️⃣ 𝙂𝙤 𝙇𝙞𝙫𝙚 – 𝘋𝘦𝘱𝘭𝘰𝘺 𝘯𝘦𝘸 𝘰𝘧𝘧𝘦𝘳𝘪𝘯𝘨𝘴 𝘪𝘯 𝘥𝘢𝘺𝘴 𝘰𝘳 𝘸𝘦𝘦𝘬𝘴, 𝘯𝘰𝘵 𝘮𝘰𝘯𝘵𝘩𝘴. Together with 𝗨𝗻𝗰𝗶𝗮 𝗙𝗹𝗼𝘄, our flagship 𝗦𝘂𝗽𝗽𝗹𝘆 𝗖𝗵𝗮𝗶𝗻 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺, 𝗘𝗔𝗦𝗘 empowers institutions to develop, deploy, and consume lending products at the speed of business — enabling banks to move from 𝘀𝘁𝗮𝘁𝗶𝗰 𝗰𝗿𝗲𝗱𝗶𝘁 𝗺𝗼𝗱𝗲𝗹𝘀 𝘁𝗼 𝗱𝘆𝗻𝗮𝗺𝗶𝗰 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗲𝗰𝗼𝘀𝘆𝘀𝘁𝗲𝗺𝘀. 💡 Read the full post to explore how Servitization is transforming digital lending — and how 𝗨𝗻𝗰𝗶𝗮 𝗘𝗔𝗦𝗘 + 𝗨𝗻𝗰𝗶𝗮 𝗙𝗹𝗼𝘄 are powering this evolution. 👉 https://lnkd.in/d4hB2Wmt 𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝘁𝗼𝗱𝗮𝘆 𝗮𝗻𝗱 𝘀𝗲𝗲 𝘄𝗵𝗮𝘁 𝗨𝗻𝗰𝗶𝗮 𝗘𝗮𝘀𝗲 𝗰𝗮𝗻 𝗱𝗼 𝗳𝗼𝗿 𝘆𝗼𝘂! https://lnkd.in/d2Y5UQQ7 #UnciaEASE #UnciaFlow #Servitization #DigitalLending #ProductAsAService #SupplyChainFinance #AIinFinance #FintechInnovation #BusinessAgility #WhatWillYouBuildToday #FutureOfLending #UnciaAI

Every fintech leader wants growth—but what happens when compliance and agility pull your portfolio in different directions? The online lending landscape changes fast: new regulations, emerging tech, and rising customer expectations. The challenge? Scaling your lending portfolio *without* tipping the balance between aggressive growth, airtight compliance, and the agility to pivot. At Solico, we’ve partnered with executive teams navigating exactly this intersection. Our approach: → Use AI-driven underwriting to reduce risk and spot fraud—even as volumes grow. → Build compliance into your operational tech stack, so you’re future-ready (not chasing the next deadline). → Rethink processes for scale *and* adaptability, so your portfolio thrives as the market evolves. What I’ve learned: sustainable portfolio growth doesn’t mean sacrificing compliance or speed—if you architect for both from day one. What’s your biggest frustration in balancing rapid growth with compliance? I’d love to hear your perspective in the comments. Need a sounding board? Connect or DM me—let’s explore how your lending business can scale smarter, not riskier. #Fintech #OnlineLending #RegTech #PortfolioManagement #DigitalTransformation