Faster Onboarding With Pre-Qual and KYC/AML

Applicants enter through a branch, app, or contact center. Identity and income are verified with KYC/AML, device checks, and, where permitted, open-banking consent. Soft bureau pulls combined with affordability/DTI rules produce instant pre-qual ranges. Exceptions route to governed overrides. The result is lower friction for customers, faster time-to-yes, and a clean audit trail.
Explainable Underwriting and Pricing as Code

Bureau and bank-transaction data are fused to assess income stability, obligations, and surplus cash flow. Rules for affordability, DTI, and APR/term waterfalls are authored as policy-driven code. Every decision produces reason codes for applicants and committees, while models and overrides are versioned under governance. Lenders gain speed without compromising risk control or compliance.
Compliant Offers With E-Sign and Disbursement

Offers are assembled with APR, term, payment date, and autopay options. Disclosures are generated automatically, e-signatures captured, and fraud/account checks completed. Funds are disbursed by ACH, wire, or card issuance. GL postings and schedules flow back to branch, app, or web portals. Borrowers see transparency, while finance teams maintain accuracy and compliance.
Scalable Servicing With Hardship and Collections

Billing, autopay, reminders, and payoff quotes are automated. Borrowers can reschedule payments or enter hardship/forbearance without breaking compliance rules. Early-warning alerts trigger before delinquency; dunning and promises-to-pay are orchestrated under governance. Bank files are reconciled, bureau reports generated, and dashboards surfaced — cutting Opex, improving cure rates, and keeping regulators satisfied.

Retail Loan Software Architecture That Mirrors Reality

The timveroOS platform models applicants, households, co-applicants, and accounts alongside devices, documents, and raw/featured data from bureaus, open banking, and fraud checks. Configurable flows — pre-qual, underwrite, offer, e-sign, service — let banks assemble personal loans, overdrafts, cards, or POS installments as code, fully extensible in integrations and their own environment.

timveroOS retail lending architecture diagram

Reusable widgets for branch, app, web, and contact center deliver a consistent borrower experience. Centralized policies and event-driven alerts keep operations compliant while reducing manual steps. Institutions achieve faster rollouts, cleaner reporting, and better customer satisfaction without maintaining separate channel codebases.
Omnichannel Journeys Without Duplication
DTI, affordability rules, and APR/term waterfalls are configured directly in timveroOS. Each decision is explainable with reason codes, versioned inputs, and governed overrides. This ensures transparency for applicants and committees, while risk and product teams can adjust pricing instantly without waiting for vendor releases.
Affordability and Pricing Authored as Code
Autopay, reminders, payoff quotes, and hardship/forbearance flows run natively. Clean GL posting and bureau reporting reduce end-of-month exceptions. The result is lower servicing Opex and fewer errors, while borrowers receive fair, consistent treatment across payment and hardship scenarios.
Servicing and Hardship at a Lower Cost

AI That Improves Decisions and Strengthens Portfolio Outcomes

AI on the timveroOS platform by TIMVERO evaluates bureau, open-banking, and device data to guide retail lending in real time. It balances conversion and risk by estimating affordability, flagging fraud, and tailoring pre-approved or cross-sell offers across products. This way, insights feed directly into underwriting and collections with full transparency for auditors and risk teams.

Affordability Scoring Tuned for Cards, Loans, and Overdrafts
Fraud Detection That Adapts to New Attack Patterns
Cross-Sell Recommendations to Raise Attach Rates
Pre-Delinquency Alerts to Protect Cure and Recovery

AI That Improves Decisions and Strengthens Portfolio Outcomes

Banks and Credit Unions Expanding Retail Lending

Launch personal loans, overdrafts, credit cards, or auto refinance with affordability and pricing as code. Connect timveroOS to core systems, bureaus, and open-banking feeds. Generate compliant disclosures, automate servicing, and deliver audit-ready reporting for risk, finance, and compliance teams.
Neobanks and Digital-First Challengers

Offer instant pre-qual, fraud/device checks, and omnichannel onboarding across app, web, and contact center. Automate disbursement and servicing while keeping policies, data, and releases under your control. timveroOS helps new entrants scale without vendor lock-in and maintain compliance from day one.
Retail Finance Arms of Consumer Brands

Enable store cards, installment programs, or private-label lending with bank-grade decisioning. Settlement reconciliation, hardship handling, and bureau reporting run natively. White-label portals and APIs let teams adjust programs quickly, without losing governance or compliance. All in your own environment, not a shared SaaS.

80% ready-to-use lending infrastructure supplied

Finom

timveroOS partners with a fast-growing European fintech to launch a multi-country proactive credit product for SMEs delivering full automation, regulatory compliance, and rapid market rollout at a fraction of the cost and time of traditional banking systems.
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90% cost reduction compare to the previous solution

Cartiga

timveroOS enables a US-based litigation finance company to launch complex working capital products for law firms while achieving full automation, faster time to market, and significantly lowering costs compared to their previous enterprise platform.
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100% bespoke origination requirements coverage

AMIO Bank

timveroOS enabled a leading Armenian bank to transform a complex lending concept with guarantor support into a fully automated, production-ready solution. The platform ensured full compliance and rapid deployment - bringing the new product to market in just six months.
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