Dmitriy Wolkenstein
Tel Aviv-Yafo, Tel Aviv District, Israel
4K עוקבים
��על 500 קשרים
4K עוקבים
��על 500 קשרים
על אודות
I contribute to improving banking fundamentals in the lending business by encouraging…
מאמרים מאת Dmitriy
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AI Will Break Your SaaS — Whether You Like It or Not
AI Will Break Your SaaS — Whether You Like It or Not
(And why framework-native platforms survive where it actually matters) Everyone says “AI will kill SaaS.” Just lately…
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Why frameworks are having a moment
Why frameworks are having a moment
(and why it matters for lending) For the last ~40 years, enterprise software has been oscillating between two…
3 תגובות
פעילות
4K עוקבים
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Dmitriy Wolkenstein שיתף את זהReal world actions are build around the actors - lending processes are the same - why to build around some made up abstraction? at timveroOS we allow participants- and assets-centric processes, to make flows of underwriting, document management, servicing and monitoring build around the entities you really need to take care of
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Dmitriy Wolkenstein שיתף את זהI've been thinking about this problem for a long time. Most lending systems are built around the loan application. Everything borrowers, collateral, and guarantors exist as fields on a form. But that's not how underwriting actually works. You assess a person. You assess an asset. The application is just the paperwork. When the software forces you to model reality differently, the gap becomes a manual exception. And those exceptions become someone's full-time job. In this video, I walk through the entity-centric architecture we built into timveroOS, why we made this decision, what it looks like in practice, and what it means for automation rates in real lending operations. 19 minutes. Part 1 of a series. Would love to hear from people running origination teams - how much of your volume still hits manual review, and why?Dmitriy Wolkenstein שיתף את זהYour loan management software automates 80% of applications. The other 20%? Your best people handle them manually - one by one. That's not a process problem. That's an architecture problem. Most LMS platforms are application-centric: the loan form is the center of the universe, and borrowers, collateral, and guarantors exist as fields attached to it. But underwriting departments don't underwrite forms. They underwrite people and assets. When the system doesn't match reality, the gap becomes manual work. In this video, Dmitriy Wolkenstein walks through how entity-centric architecture in timveroOS Building Platform is designed to close that gap: → Borrower and collateral move through independent parallel flows → Adding collateral mid-process doesn't restart the application → Each participant - borrower, guarantor, co-borrower - has its own data model and flow → Portfolio exposure tracking works automatically across all roles The goal: automate not 80% of your flows - 100% - including the corner cases that currently eat your team's time. https://lnkd.in/dpBrFNfk What does your current system do with the 20%?
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Dmitriy Wolkenstein שיתף את זהYou’ve seen the videos about our AI — now the page is live: https://lnkd.in/d6nVy6pb I genuinely believe this is one of the most important developments in lending tech right now — especially with all the Anthropic model rumors currently circulating online. If you’re building in lending, reach out to us. Link in the comments. The first 10 clients get access for free. And stay tuned — you may soon be reading about some mutual shipments....timveroAI | AI Implementation Agent for Lending | timveroOStimveroAI | AI Implementation Agent for Lending | timveroOS
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Dmitriy Wolkenstein שיתף את זהI've been thinking a lot about the limitations of BPM-based processes for automating real-world lending operations. Most platforms model lending as a sequence. Step 1, step 2, step 3. The application moves through a pipeline like a package on a conveyor belt. But here's what actually happens inside a deal. A borrower goes through KYC. At the same time, collateral gets appraised. A guarantor submits documents independently. The credit bureau returns a score on its own schedule. None of these things wait for each other. None of them should. The application isn't the process. It's a container. A crutch. The real business logic lives on the participants - the borrower, the guarantor, the collateral, the property. Sequential systems don't see this. They flatten everything into one flow and force parallel things into a line. Conditional systems work differently. Each participant carries its own state. Each state defines what's allowed - not what happens next. A borrower can be "KYC verified" while the collateral is still "pending appraisal." Both are progressing. Neither blocks the other. The "Approve" button? It doesn't appear because we reached step 7 of 9. It appears because every participant met its conditions. Borrower verified. Collateral secured. Guarantor confirmed. Documents complete. That's the shift. From "what step are we on" to "are the conditions met." One compliance check added on Tuesday? Attach one condition to one participant state. No flowchart redrawn. No other process touched. Live before lunch. Sequential processes were designed for factories. Lending isn't a factory. It's a network of independent actors converging on a deal.
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Dmitriy Wolkenstein שיתף את זהFollowing up previous post where the TIMVERO's Agent customised and assembled e2e lending automation on our building platform I'm sharing the video with the view on the rendered application: A few numbers: 1. Reliable trusted Agent working in 4 phases mimicking the real-world best-in-class teams: Analysis of the Requirements, Architectural Specification, Customization, QA. On the palm of your hands. 2. Fully custom assembly in 30 mins. Not a prototype, but a production grade ready. Other feature can be added same way or hand offed to the dev to use IDEA integrated plugin for prompt dev. AI that delivers. 3. Piece of art building platform to allow automation of niche processes specific for you FI to increase the FTE efficiency 100x by covering 99% of corner cases. Real operational, digital experience, integration with existing systems, speed of implementation, and control over change. Links to the full blog post and full video of AI are in comments
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Dmitriy Wolkenstein שיתף את זהA full lending app assembled in 30 minutes with timveroAI. Not a mockup. A real application built on timveroOS from plain-English requirements. This is where lending software gets interesting: AI for speed, trusted building blocks for control, and bespoke automation without months of delivery. For banks and lenders, that means faster implementation without sacrificing traceability, flexibility, or compliance. This is not no-code hype. This is AI-powered lending assembly on a real Building Platform.
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Dmitriy Wolkenstein שיתף את זהI just built a working lending app in 30 minutes. No engineering. No manually written code. Just described what I needed, and timveroAI built it. This changes how financial institutions build lending systems.Dmitriy Wolkenstein שיתף את זהTIMVERO just built a fully working consumer lending application in 30 minutes. No developer tools. No code written by hand. Just a plain English description of requirements and timveroAI. In the latest demo, CEO Dmitriy Wolkenstein walks through exactly how this works for business leaders who need to build on the timveroOS Building Platform without depending on a developer for every step. Here is what the 30-minute session produced: Loan application form Document collection and generation Credit scoring workflow Pricing engine with configurable offers Approval flow with agreement module This is not a prototype. It is a production-ready assembly built on the same infrastructure that manages $5.5B+ in loan portfolios across 13+ countries. The way it works: timveroAI maps plain language requirements to the platform's building blocks (atoms), proposes an architecture for review, and then builds. Every step is traceable. When information is missing, the AI asks; it does not guess. Implementation time used to be 3–6 months. With timveroAI, it is 2–6 weeks. For a first assembly like this one, it is 30 minutes. Link to the article and video in the first comment 👇
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Dmitriy Wolkenstein שיתף את זהWhat if launching a custom lending automations and products took days, not months? We're building that. timveroAI just passed its first real test - 2 features implemented, tested, and documented in <10 min. And this is the first overview:Dmitriy Wolkenstein שיתף את זהWe set a goal last year: make it 10× faster to build and launch on timveroOS. We just published our first overview of how we're getting there and what timveroAI looks like in practice. In the video, our CEO Dmitriy Wolkenstein walks through a live demo. Starting from a basic skeleton application, he describes two new features to add in plain, unstructured language. timveroAI analyzes the current system, asks clarifying questions (good ones), generates an implementation plan, builds the features, runs QA, and updates the project documentation. Total time: under 10 minutes. Equivalent manual effort: 2–4 hours. This is not a prototype. We've tested it internally and with two clients. The 10× acceleration is real. What we showed: → How timveroAI reads and understands a live codebase → How it maps plain-language requirements to building blocks → How it coordinates multiple agents for implementation + testing → How it keeps documentation always current (AI Docs) And where we're going: a fully conversational setup process, no IDE required - where a business leader describes what they want and gets a deployed, customized lending system in return. First video in a series. More to come. Full overview + blog post: https://lnkd.in/dAvy7GsV #LendingTechnology #AI #FinTech #LoanManagement #timveroAI #BuildingPlatformFirst Overview: timveroAI - How We Cut Lending System Implementation from Months to DaysFirst Overview: timveroAI - How We Cut Lending System Implementation from Months to Days
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Dmitriy Wolkenstein פרסם/פרסמה את זהtimveroOS 8.1 is out. Two things. The first one you'll notice before anyone tells you about it — a full UI facelift across the platform. Responsive navigation, consolidated filters, always-visible entity actions, cleaner search results, matching modal styles, and a refreshed login page. Eight fixes that compound into a meaningfully smoother workday. The second one is for anyone who's ever had to open a second tab just to see related records in context: Nested Tables are now live on entity pages. Sort, search, expand sub-records inline, save your column layout. The data is right there. No navigation required. #LendingTech #FinTech #LoanManagement #DigitalBanking #timveroOS
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Dmitriy Wolkenstein אהבתי את זהWe’ve officially closed New Vintage Partners Fund I at $82M. More importantly, this marks the start of executing on a strategy we believe is structurally advantaged: concentrated, fundamentals-driven secondaries in scaled businesses where pricing and discipline matter. From day one, our focus has been simple—underwrite to reality, build with intention, and deploy capital where risk is understood, not assumed. That approach is already reflected in the portfolio we’re building and the pace at which we’re putting capital to work. Including co-investments, we expect to deploy over $125M from this vintage by the end of April. Grateful to our LPs for the trust and partnership. We’re just getting started. If you’re a founder, investor, or intermediary operating in this part of the market, we would welcome the conversation.Dmitriy Wolkenstein אהבתי את זהToday, we’re sharing a major milestone for New Vintage Partners: the final close of our inaugural fund with $82 million in committed capital. Fund I reflects how we believe venture and growth secondaries should be done: disciplined underwriting, intentional portfolio construction, and a concentrated approach built around fundamentals. Since inception, we’ve been steadily deploying capital and building a portfolio of scaled businesses underwritten on financial fundamentals. Including Fund I and associated co-investment opportunities, we expect to deploy more than $125 million from this vintage by the end of April. We’re grateful to our investors for their trust and partnership as we continue building NVP and executing on our strategy. If you’d like to learn more about our approach, feel free to reach out. You can read the full details about our announcement here: https://lnkd.in/eZ33PTUpNew Vintage Partners Announces Final Close of Fund I, Marking a Key Milestone for the FirmNew Vintage Partners Announces Final Close of Fund I, Marking a Key Milestone for the Firm
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Dmitriy Wolkenstein אהבתי את זהA big thank you to The Financial Technology Report for recognising #Plumery among the Top Financial Technology Companies of 2025. Proud to have Ben Goldin represent us at the NYC Awards Night, and even prouder of the team behind the work that got us here. 💜 #Fintech #DigitalBanking #AwardsDmitriy Wolkenstein אהבתי את זהSeveral companies recognized among the Top Financial Technology Companies of 2025 joined us at this year’s NYC Awards Night, highlighting the continued innovation shaping the financial services landscape. Among them was Plumery, represented by Ben Goldin, Founder & CEO, a company focused on enabling financial institutions to modernize digital banking experiences. Plumery provides a digital banking experience platform that enables banks and financial institutions to design, build, and launch customer-facing applications more efficiently. The platform offers pre-built digital banking journeys and a composable architecture, allowing institutions to accelerate development while maintaining flexibility. Importantly, Plumery’s technology is designed to integrate with existing core banking systems, enabling modernization without requiring full system replacement. Ben brings more than 20 years of experience in financial services and product innovation, with a strong track record of building and scaling enterprise platforms. Prior to founding Plumery, he held executive roles at Mambu and Backbase, where he played a key role in driving growth and delivering scalable solutions. At Plumery, Ben leads innovation and operational execution, focused on helping financial institutions deliver modern, customer-centric digital experiences. It was a pleasure having Ben join us in New York and represent Plumery at this year’s event. The next Financial Technology Report and GrowthCap Forum event will take place this summer in Jackson Hole, WY. Learn more here: https://lnkd.in/gdm_zWgq Picture: Ben Goldin at NYC Awards Night
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Dmitriy Wolkenstein אהבתי את זהWelcome to the team! 🦾 Lots of things to do!Dmitriy Wolkenstein אהבתי את זהAfter 6+ great years at Moss, I've recently joined Finom as VP of Design. At Finom we're building tools that let entrepreneurs focus on their business, not on piecing together finances across a dozen tools that don't talk to each other. It's a real problem worth solving, and one where craft and quality matter. We're hiring across design right now so if that sounds like your kind of problem, DM me your portfolio and let's talk.
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TIMVERO
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