Finextra Research
Sign in
Sign up
  • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
Sign in
Sign up
  • News
    • Back
    • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • Back
    • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Back
    • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
  • payments
  • markets
  • retail
  • wholesale
  • wealth
  • regulation
  • crime
  • crypto
  • sustainable
  • startups
  • devops
  • identity
  • security
  • cloud
  • ai

Community

  • Your feed
  • Latest expert opinions
  • Groups

Join the Community

23,090
Expert opinions
43,872
Total members
354
New members (last 30 days)
161
New opinions (last 30 days)
29,004
Total comments
Join Sign in
Follow Unfollow

Dmitry Dolgorukov

CEO
GiniMachine
Member since
19 Mar 2018
Location
Vilnius, Lithuania
Followers
2
Following
1
Opinions
24
Long reads
0
Followed by John Sims, Martha Boyle and 5 others you follow

Bio

CEO and Co-Founder of GiniMachine.com, an AI-based credit scoring platform that fights bad loans. VP at HES FinTech, an established fintech product development company behind comprehensive lending solutions. In 2018, Dmitry was ranked as one of the top 200 Fintech leaders in Europe who contribute to the industry as influencers through action. In 2019, Dmitry was ranked as one of the most influential AI leaders in Eastern Europe. Since 2020 Dmitry Dolgorukov is a member of the Forbes Finance Council.

Experience

CEO
GiniMachine
To Present
Show all experience

Latest opinions

Dmitry Dolgorukov

5 Trends To Transform Your Lending Business In 2023

The past couple of years have been marked by uncertainty both in the financial industry and beyond, with a shift toward remote working, digital-first strategies and a growing e-commerce industry—increasing from $3.46 trillion in 2019 to $5.7 trillion in 2022. For lending organizations, this means that the way business is conducted has changed sign...

22 December 2022 Innovation in Financial Services

Dmitry Dolgorukov

Preparing For The Holiday Season: Buy Now, Pay Later Versus POS Lending

It might appear that the countdown to the holiday season has already begun, with gifts and decorations springing up in stores across the country. However, behind the shelves, inflation continues its hold on the markets at around 8%. Many retailers are expecting a more toned-down holiday period with consumer concerns about rising costs, inflation r...

02 November 2022 BNPL

Dmitry Dolgorukov

How To Reduce Abandonment Rates For Fintech Apps

In the wake of the Covid pandemic, fintech transactions rose by 13% and their volume by 11%, indicating significant industry growth. However, two years in, we are facing another new reality as the fintech market starts to mature and consumer expectations evolve alongside it. Abandonment rates of fintech applications are rising with customers becom...

06 July 2022 Banking Strategy, Digital and Transformation

See all 24 opinions by Dmitry

Latest comments

How cloud enables banking transformation towards contextual finance

Great article full of first-hand experience, thank you! A few days ago I also gathered my thoughts about cloud in fintech: 

https://www.finextra.com/blogposting/20175/how-the-cloud-is-changing-fintech

21 Apr 2021 14:24 Read comment

Out-of-the-Box vs Custom vs Configurable Software: What’s for Lenders?

Can't come up with such a topic - spontaneously, but if you find one, I'd be glad if you share your thoughts, Ketharaman. Let's keep in touch!

15 Jan 2021 13:29 Read comment

Out-of-the-Box vs Custom vs Configurable Software: What’s for Lenders?

Hi Ketharaman! I'm glad my considerations resonated with you, and that you have a lot to say.

I like the way you define the software types. As we talk about financial software, there are lots of complete and incomplete synonyms (like ootb and cots), as well as detalizations and simply more frequently used vs less frequently used notions. And sometimes picking the right definition for a product is a trap. 

I decided to single out three types according to the development (not deployment) model: custom (from scratch), ootb (readymade), configurable (combining the benefits of these two). According to this classification, SaaS would come in the second column I guess. Although, it very different from COTS deployed on-premises, you are totally right.   

You gave me some food for thought with this "configurable" vs "assemblable" - however, in the case with my HES FinTech platform, I would say we offer configurable rather than assemblable, because it is more than a list of modules you can include or exclude - we offer a higher level of tailoring and meet very specific needs. Sure, there are vendors out there, who provide assemblable solutions. I know cases where they may be the right fit for some businesses, too. 

Actually, any classification can be indistinct, so I really understand what you are talking about. I could write a separate article about SaaS, and the only reason why I didn't mention it here - I tried to be brief. Also, it's not my main interest. 

But I would be pleased to read your thoughts about it. A new blog post maybe?) Hope I'll get a chance to read it and leave my comment. 

14 Jan 2021 12:49 Read comment

See all 4 comments by Dmitry

Dmitry writes about

  • artificial intelligence
  • payments
  • regulation & compliance
  • retail banking
  • sustainable
  • cloud
  • start ups
  • financial inclusion
  • markets
  • covid-19
  • predictions

Dmitry's opinion archive

  • 2022 (5)
  • 2021 (17)
  • 2020 (1)
ShowHide similar members

Similar members

Mathew Stewart

Mathew Stewart
CEO at Explundish

Follow Unfollow
John Wilson

John Wilson
CEO at Mpaua

Follow Unfollow
Dexter Penn

Dexter Penn
CEO at Kalgera

Follow Unfollow
Mindaugas Mikalajūnas

Mindaugas Mikalajūnas
CEO at smeGo

Follow Unfollow
Anton Roe

Anton Roe
CEO at MHR INTERNATIONAL UK LIMITED

Follow Unfollow

Welcome to Finextra. We use cookies to help us to deliver our services. You may change your preferences at our Cookie Centre.

Please read our Privacy Policy.

Accept
Finextra

Finextra

  • About

Community

  • Rules
  • Contact the community team

News

  • Guidance
  • Contact the news desk

Sales

  • Media pack
  • Contact the sales team

Get involved

  • Finextra Live@
  • Webinars
  • Finextra TV
  • Research
  • Finextra.jobs

Events

  • Sustainable Finance Live
  • NextGen Nordics
  • EBAday
  • NextGen:AI
Join the community Register for news alerts
Apple App Store Google App Store

© Finextra Research 2025

Terms of usePrivacy PolicyCookie Centre