Retail Lending Built for Omnichannel Growth and Compliance
Build omnichannel retail lending on the timveroOS platform by TIMVERO.
Encode affordability and pricing as policy-driven code, run KYC/AML and open-banking checks, and generate instant offers with compliant e-sign and disbursement. Service portfolios at scale while keeping full ownership of your environment, data, and release cycle.
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Stages
End-to-end Retail Loan Management, Configured in Code
Retail lending only works if every step—from lead capture to collections—runs seamlessly across channels and remains auditable. timveroOS connects data, policies, and flows, enabling banks and neobanks to accelerate approvals, control risk, and reduce servicing costs while meeting regulatory requirements.
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.
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Architecture
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.
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
The exclusive Financial Engineering/Cashflow Engine helps wipe out bottlenecks in teams, amplify business effectiveness, manage portfolio risks, uncover upsell opportunities, and shape compelling marketing with noteworthy ROI using timveroOS Analytics meticulously crafted for retail lending.
Did you know? Our analytics have demonstrated a 80% reduction in approval process time for retail loans, ensuring a swift and seamless experience for borrowers.
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We work with
One Platform for Traditional
and Digital Retail Lenders
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.
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Testimonials
timveroOS Retail Lending
Software Reviews
A Canadian credit union deployed timveroOS for omnichannel pre-qual and underwriting. Approval rates improved by 12% without raising losses.
“timveroOS matched our lending policies instead of forcing change. That gave us faster time-to-yes and kept risk under control.”
A German digital bank integrated open-banking checks and autopay workflows on timveroOS. End-of-month reconciliation exceptions fell 30%, while data remained fully within their environment.
“We kept full control of our cloud deployment, and exceptions dropped sharply, so finance now closes books without fire drills.”
A French lender applied AI-driven pre-delinquency alerts and cross-sell optimization on timveroOS. Conversions increased by 18% while cure rates improved.
“AI helped us pre-empt risk and recommend relevant add-on products, balancing growth with portfolio health.”.
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Framework-native
Assemble Retail Lending in Your Own Environment
The timveroOS platform by TIMVERO is delivered as a framework, not a hosted package. Modules and an SDK let you build retail lending flows in your own environment. You own the code, the data, and the release cycle — starting fast, adapting freely, and staying clear of vendor lock-in.
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Next steps
Get a demo
TIMVERO is a trusted technology vendor for banks and financial organizations on their way to impeccable digital lending. Apply for a quick real-time demo to discuss the details and get a quote.
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See how the timveroOS platform by TIMVERO powers modern retail lending.
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