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How the Crisis Makes FinTech Thrive 

kokou adzo



Dmitry Dolgorukov HES Fintech

We talked to Dmitry Dolgorukov of HES FinTech about automation and lending, and he had the following to say:-

First of all, how are you and your family doing in these COVID-19 times? 

Dmitry Dolgorukov: Thanks for asking; we’re doing well. We follow all the recommendations and support each other in these troubled times. 

Tell us about you, your career, and how you founded HES FinTech.

Dmitry Dolgorukov: I started the project with my founding partner Ivan Kovalenko in 2012 to automate and facilitate lending. Back then, we already had 12 years of experience as top managers at a large IT company. It was obvious that online lending is going to develop and flourish, so there was a business-niche for comprehensive automation products. 

We launched the company to provide banks and financial organizations with a world-class solution based on big data and machine learning. And fortunately, our first clients succeeded in becoming market leaders. Our portfolio and word of mouth helped to attract more partners and start new exciting projects. 

How does HES FinTech innovate? 

Dmitry Dolgorukov: We opt for top-notch technologies and processes, allowing us to create exceptional loan management software. Besides, we introduce artificial intelligence and machine learning to score credit risks and boost banks and financial organizations’ efficiency. Our team believes that businesses’ future is backed up with alternative data, maximum automation of loan origination, and minimum human involvement in service. 

How the coronavirus pandemic affects your business, and how are you coping?

Dmitry Dolgorukov: When the coronavirus came to our country, the team was already prepared both physically and psychologically. Following the experience of Italy, Spain, and other affected regions, we suggested working remotely to reduce contacts and risks. We’re happy to see no negative impact of remote work: our engineers adopted new technologies to support the workflow and communicate without boundaries.

Like most businesses, we were afraid that the performance would drop because of new working conditions. Yet, it only increased. We’re even thinking about leaving the opportunity to work remotely even after the pandemic. If our employees enjoy it and keep up the pace, then why not?

Did you have to make any difficult choices, and what are the lessons learned?

Dmitry Dolgorukov: Well, running a business is all about difficult choices and risks. Like many other interviewees here, we also decided to keep the staff and avoid downsizing. We decided to reduce our margin, instead, to keep the team and the growth potential. And that was right. 

HES FinTech has always been proud of its designers, developers, marketers, business analysts, and other significant specialists. We’ve spent years bringing together such a hardworking and friendly team. The pandemic will soon get under control, and we will need to deliver more high-end solutions to clients. The efforts of each team member are crucial in attaining our goals. 

How do you deal with stress and anxiety?

Dmitry Dolgorukov: When I’m stressed, I always need to take my mind off the troubles. I can spend time with friends and family, have a walk, or do sports. Any activity is perfect if it helps to change the focus.

Who are your competitors? And how do you plan to stay in the game?

Dmitry Dolgorukov: Lending software development is a relatively young ecosystem. However, it is in high demand, especially during the Covid-19 pandemic, so the competition is tough.

Our competitive strength is that HES FinTech solutions differ from custom ones and out-of-the-box tools. We combine the advantages of both approaches and minimize shortcomings. Delivering unique lending software, we attract either startups or enterprises interested in quality products for business. 

Your final thoughts?

Dmitry Dolgorukov: Any crisis is both a challenge and an opportunity for businesses, especially startups. Surprisingly enough, the Covid-19 pandemic turned beneficial for fintech and boosted digital transformation in the lending domain. It has changed our day-to-day routine, creating a trend – people admire digital services. And this takes over not only the shopping industry but also lending. 

Your website? 

Kokou Adzo is the editor and author of He is passionate about business and tech, and brings you the latest Startup news and information. He graduated from university of Siena (Italy) and Rennes (France) in Communications and Political Science with a Master's Degree. He manages the editorial operations at

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