LFP244 – The Use Of Multiple Models Across The Lending Process w/Jerome Le Luel CEO Triver
London Fintech Podcast
by LFP, Mike Baliman
2w ago
In this episode we take the opportunity to talk to one of the most credit risk experienced men in Fintech who has ranged from a dozen years at seminal Capital One through managing Barclay’s £40 bn portfolio, being CRO at Funding Circle to now founding his own Fintech to mechanise further short term SME liquidity financing, Jerome’s stats are that banks automate roughly 5% of this type of lending whereas he believes the vast majority to be automatable. We discuss what credit risk is in the age of data, automation and Fintechs and dive into the multiplicity of models used in a credit pipeline ..read more
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2024 New Year Special: A Deeeep Dive Into Creativity and Its Importance In Creating a New World not a New Order
London Fintech Podcast
by LFP, Mike Baliman
1M ago
This 2024 New Year Special forms the sixth and final in a series of six (there will be no more) about how technology – and in this episode way wider forces – are changing us directly for the better (read huge software upgrades) in order to overcome, in a velvet revolution, empowered tyrants. I said in last years 2023 New Year Special that “It is by far the most ambitious, empowering and positive of all suggesting that we use the insanity as a spur in our sides to seek to flee Plato’s cave, escape the Matrix and speed up our path to awakening in search of love, light and healing.” Well this on ..read more
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LFP243 – The Berlin Tech Scene: A Deep Dive w/Ivan Maryasin CEO Monite
London Fintech Podcast
by LFP, Mike Baliman
2M ago
In this Xmas special we zoom out from Fintech to Tech as a whole in one of Europe’s coolest capitals – Berlin. Ivan is a great person to guide us through the scene having spent many years in the Ur-tech hub of San Francisco/Silicon Valley. This also means that he understands both the outsiders perspective on Berlin tech as well as now an experienced and well informed insider. Ivan honestly lays out both the highs and the lows of being in Tech in Berlin – the good news and the challenges and the somewhat insane (see below) – that he has encountered with his embedded financial infrastructure st ..read more
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LFP242 – Fintech in Saudi Arabia and Collective Savings w/Naif AbuSaida CEO Hakbah
London Fintech Podcast
by LFP, Mike Baliman
2M ago
Saudi Arabia is a country that increasingly confounds stereotypes and expectations – an example being a YouTuber who has visited every country in the world choosing it for his honeymoon. At the same time it has undergone a phenomenal journey literally in a lifetime from a very low economic standard of living to super-high. As a result, like China, it shares the “relatively blank canvas from which to start Finteching” but equally has it’s own unique issues notably eg in a country with centuries of little wealth and suddenly (on average) excess savings culture and the likes of pension provision ..read more
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LFP241 – A Deep Dive Into Alternate Asset Investment via Fintech w/Dan Harman CEO Darksquare
London Fintech Podcast
by LFP, Mike Baliman
3M ago
Why buy alternative assets? Well in extremis what else would you buy? Bonds have finished their ca. 40yr bull market and yield well below the rate of inflation. The FTSE to pick one has gone sideways over the past 5 yrs and is not greatly ahead after a decade. And as for UK property it’s soft at best, Gold is going nowhere and so forth. Naturally as we have touched on both those phenomena are a function of the nature of money, the ’08 crisis, covid insanity, non-stop war and much more which have all messed with the fiscal and monetary base of major western economies. Anyway even if you keep ..read more
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LFP240 – Mortgage Decisions In Days Or Even Hours Not Weeks w/Stuart Cheetham CEO Mpowered Mortgages
London Fintech Podcast
by LFP, Mike Baliman
3M ago
Back in the 70s getting mortgages took months – there was a mortgage queue (&before techies get over-excited about how “bad” this was it was one of the factors restraining insane bull markets in residential property). Fast forward and the median mortgage in the UK is granted in 19 business days which is still a long time to wait given the stresses associated with the UK legal structure of buying a house. MPowered Mortgages, a regulated mortgage lender in the UK, have reduced this to a median of 3 days to make a decision and are aiming in the next 18mts to make half of those done in a few ..read more
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LFP239 – The Latest In Payments Tech – Curation Trumps Orchestration? w/Aran Brown CEO Paytrix
London Fintech Podcast
by LFP, Mike Baliman
4M ago
The speed of change is super-rapid and nowhere more than in payments where advance rapidly leapfrogs advance. For the past two years “orchestration” has been The Thing (see eg LFP213 a deep dive into that topic). However now we have the latest greatest kid on the block the idea of curation. If orchestration solved the challenge of the techies namely replacing many APIs with one – a natural leap forwards – it did not solve the businesses challenges with negotiating a whole bunch of biparty arrangements contract et al. Curation promises to fix all that by creating a single counterparty – the cu ..read more
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LFP238 – Global Real Time Payments in 2023 w/Craig Ramsey Head G/R/T/P ACI Worldwide
London Fintech Podcast
by LFP, Mike Baliman
4M ago
The world is quite a large place but who better to cover the situation and trend in real-time payments than Craig Ramsey Head of Global Real Time Payments at ACI Worldwide who process around a billion payments per day with total value in the trillions of dollars. In this episode we dive into real time payments in the UK, Europe, the US and within the BRICS as well as talking about the next challenge – namely smooth interconnection of local real time payments networks. Craig has getting on for 40 yrs experience of payments including having started as a Cobol programmer. He has been at ACI since ..read more
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LFP237 – Avoiding Operational Challenges in Emerging Markets w/Tosin Eniolorunda CEO Moniepoint
London Fintech Podcast
by LFP, Mike Baliman
5M ago
Scaling any successful technology firm (who can expand so much faster than ~”bricks and mortar” firms) involves considerable challenges. These challenges are only compounded by challenges with surrounding infrastructure which, shall we say, aren’t even around the world. What may be taken for granted in the world’s leading tech hubs may be conspicuously absent in many territories. Thus in many ways scaling in emerging markets is the real stress test for an entrepreneurs ability to overcome challenges, internal and external. Tosin is founder and CEO of Moniepoint, who provide banking platforms ..read more
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LFP236 – Making Business Loan Decisions in Minutes w/Chirag Shah CEO Nucleus Commercial Finance
London Fintech Podcast
by LFP, Mike Baliman
5M ago
It was not that long ago that business lending decisions took days, weeks, or even months. This lengthy period – and then need to perhaps apply to multiple banks was a severe challenge for many organisations, many of whom over time have gone bust whilst going through such processes. But what if using the best of technology this extended time-period could be reduced to minutes moving way nearer to B2C BNPL decisions? Even a few years back this would sound highly unlikely in anything other than special cases. However Nucleus Commercial Finance have funded £2.6bn of loans and processed over 100 ..read more
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