let us
do the
 heavy lifting

Strategic Consulting for Digital Excellence

DX365 bridges the gap between vision and execution. We integrate Business Analysis, AI-assisted prototyping, and Solution Architecture to transform complex strategies into resilient, sustainable digital products. By combining customer-centric design with rapid validation, we accelerate your speed-to-market and ensure long-term scalability.

Our Core Methodology

Structured Analysis: Aligning stakeholders and defining clear, actionable requirements.

AI-Assisted Prototyping: Rapidly visualizing solutions to de-risk investments.

Business Architecture: Engineering robust systems that support continuous growth.

Meet the Lead: Razvan Vlasceanu

DX365 is spearheaded by Razvan Vlasceanu, a Senior Digital Transformation Consultant with over 12 years of experience across Europe (UK, Romania, Bulgaria, Greece).
Sector Expertise: Banking, Fintech, Insurance, and Public Sector.
Strategic Impact: Leading large-scale transformations from core system architecture to 100% paperless customer journeys.
Hands-on Leadership: Specializing in bridging the gap between C-suite strategy and technical delivery.
Connect on LinkedIn: linkedin.com/in/razvanvlasceanu    

Our strategic partnerships and successful project deliveries include collaborations with Tier-1 financial institutions, public sector entities, and innovative tech providers across Europe. We specialize in bridging the gap between legacy operations and future-ready digital ecosystems.
International Reach: Delivered mission-critical solutions in the UK, Greece, Bulgaria, Romania, Moldova, and Hungary.
Sector Depth: Deep expertise in Banking, FinTech,InsurTech, HealthTech, and Digital Government.
Strategic Alliances: Working alongside industry-leading platforms to accelerate speed-to-market.

works

Selected projects

Fintech
Chatbot Analytics

Oversaw the migration of Chatbot Analytics to a modernized platform, strengthening conversational intelligence and customer insight capabilities for one of Europe’s most advanced digital banks.

Fintech
Online Lending for Individuals on Greek market

A fully end-to-end automated flow for granting online loans 100% paperless, the first online process launched for the Greek market.
Develop a fully end-to-end automated flow for granting online loans 100% paperless for individuals including the integrations with all the external systems and with online merchants.

Banking
SME lending process automated

SME Lending – a fully end-to-end automated flow for granting  loans through branches. Covering all steps of the process: sales, analysis, underwriting, risk, and loan admin by running all the verifications and calculations needed and also running the financial calculations.
Developing an automated flow by integrating different data sources and run complex calculations and verification to provide the financial analysis to the underwriting team and automate the process

Insurance
Insurance acquisitions thru online journeys

Redesign all the online acquisitions flows of the customers in order to simply and add complex functionalities that will improve user experience and increase the online sales.
Simplify the process covering all the scenarios and redesign in order to increase the online sales and reduce the drop off rate.

fintech
Predictive scoring engine mechanism

Developed the architecture for a predictive engine enabling automated scorecards and dynamic risk profiling, matching customers with optimal financial products from banks and IFNs in real time.

BANKING
Mortgage flow for brokers

Designed a full digital mortgage origination flow for brokers and branches, covering underwriting, risk, and approval orchestration.

BANKING
Online Deposits flow

Redefining the Savings Experience We architected and launched a 100% paperless online deposits solution designed to eliminate the need for physical branch visits.

Healthcare
Healthcare integrated platform

Architected major modules for a multi-module healthcare platform, including: Chemotherapy Management Ambulatory, Hospitalization,Patients’ mobile application, Integrations and reporting with the public institutions.

public SECTOR
Ministry digitalization program

Leading the digitalization program for a Romanian Ministry, defining the functional and technical framework for a nationwide Electronic Document Management System (EDMS) and advising on tender strategy for large-scale public sector modernization.

bANKING
AI enabled SME platform

Designed and delivered an AI-enabled SME lending module, automating underwriting, scoring, and loan origination workflows for faster, data-driven credit decisions.

fintech
Credit-as-a-Payment: Integrated Wallet Solutions

Strategic Architecture for Real-Time Financing This project involved the end-to-end design of a sophisticated solution that transforms a precalculated credit limit into a dynamic payment option within a digital wallet. By bridging the gap between traditional lending and daily transactions, we enabled customers to seamlessly utilize their approved credit lines during the purchase process across all banking flows.

healtchare
Digital Pathology & Clinical Laboratory System

We designed and engineered a high-complexity business solution for a laboratory testing application covering all major clinical pathology areas. This project focused on transforming manual diagnostic workflows into a seamless, high-integrity digital ecosystem that ensures accuracy from sample collection to final reporting

HR
Integrated HR Management Ecosystem

End-to-End Digitalization of the Employee Lifecycle.We engineered a comprehensive business architecture and solution design for a full-suite HR platform, bridging the gap between core administrative functions and modern digital employee experiences. This project transformed fragmented HR tasks into a unified, high-security ecosystem that automates everything from daily data management to complex regulatory reporting.

fINTECH
End-to-End BNPL flow (Bulgarian Market)

Driving Financial Innovation with 100% Paperless Workflows We designed and architected a market-leading Buy Now, Pay Later (BNPL) ecosystem specifically tailored for the Bulgarian and Greek regulatory and financial landscape. This project delivered a fully automated, end-to-end digital journey that eliminates physical touchpoints and manual intervention.

fINTECH
End-to-End BNPL flow (Greek Market)

Driving Financial Innovation with 100% Paperless Workflows We designed and architected a market-leading Buy Now, Pay Later (BNPL) ecosystem specifically tailored for the Greek regulatory and financial landscape. This project delivered a fully automated, end-to-end digital journey that eliminates physical touchpoints and manual intervention.

fINTECH
Cash Online: 100% Digital Lending (Bulgarian Market)

This project involved the comprehensive Business Architecture and Solution Design for "Cash Online," a market-leading digital credit product. We engineered a fully end-to-end automated flow that enables the granting of online cash loans with a 100% paperless experience, specifically optimized for the regulatory and technical landscape of the Bulgarian market.

fINTECH
Cash Online: 100% Digital Lending (Greek Market)

This project involved the comprehensive Business Architecture and Solution Design for "Cash Online," a market-leading digital credit product. We engineered a fully end-to-end automated flow that enables the granting of online cash loans with a 100% paperless experience, specifically optimized for the regulatory and technical landscape of the Greek market.

PUBLIC SECTOR
Integrated Governance Platform

We engineered the Business Architecture and Solution Design for a comprehensive digital ecosystem tailored for City Halls and public institutions. This project focused on unifying fragmented administrative tasks into a high-integrity platform that enhances transparency, reduces bureaucracy, and accelerates citizen and business interactions.

banking
AML & KYC Compliance Module

Strategic Risk Management & Regulatory Governance We designed a robust AML (Anti-Money Laundering) and KYC (Know Your Customer) module tailored to meet the stringent requirements of the Romanian financial regulatory framework. This project provides a centralized, high-integrity architecture for compliance officers to manage the full lifecycle of customer due diligence and real-time risk monitoring.

banking
SME Digital Onboarding: 100% Paperless Current Accounts

Bridging the Gap Between Institutional Compliance and Entrepreneurial Speed. We architected and engineered a market-first, end-to-end digital onboarding flow for Small and Medium Enterprises (SMEs) in Romania. This project transformed the traditionally complex and document-heavy process of opening a corporate current account into a 100% paperless, remote journey that can be completed in minutes rather than days.

FINTECH
Retail Digital Onboarding: 100% Paperless Current Accounts

Redefining the Customer Acquisition Journey We designed and architected a market-leading, end-to-end digital onboarding solution for individuals in the Romanian market. This project transformed the traditionally fragmented process of opening a current account into a unified, 100% paperless experience that allows customers to move from application to a fully functional IBAN in under 10 minutes, without ever visiting a bank branch.

insurance
Conversational AI for insurance brokerage services - UK market

We architected and designed a high-complexity conversational AI solution tailored for the UK brokerage market. This project focused on creating an intelligent "Chatbot Consultant" that bridges the gap between initial customer inquiries and final broker advisory, automating lead qualification, quote generation, and data collection within a strictly regulated FCA (Financial Conduct Authority) environment.

leasing
Automated Credit Risk & Rating Engine: Corporate & SME

Digitizing Expert Risk Logic for Leasing financing Decisions We architected and designed a sophisticated Risk and Rating Engine specifically for Legal Entities (SMEs and Corporates) in the Romanian market. The core mission was to digitize and automate the high-touch activities traditionally performed by a Risk Officer, transforming the financing approval flow into a high-speed, data-driven engine.

banking
Integrated CRM & Strategic Sales Ecosystem

We designed and architected a comprehensive CRM and Sales Management ecosystem tailored for the Romanian market. This project focused on unifying fragmented customer data into a single, high-performance platform that drives revenue growth through intelligent Lead Management and ensures long-term loyalty through a robust Case Management framework.

Fintech
Online Lending for Individuals on Romanian market

A fully end-to-end automated flow for granting online loans 100% paperless, the first online process launched for the Romanian market.
Develop a fully end-to-end automated flow for granting online loans 100% paperless for individuals including the integrations with all the external systems and with online merchants.

Let’s Get in Touch

Fill this Form out

What are you looking for...

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Business Inquiries

You have a business idea, send us a message!