The only mortgage you'll ever need, with Arjan Verbeek (Perenna Bank)
How to Lend Money to Strangers
by Brendan le Grange
1w ago
"It's important that in every interest rate environment, in every market environment, an average family can afford an average home" - Arjan Verbeek, co-founder at Perenna Bank. The UK mortgage market has long been underpinned by the belief that, as long as the music kept playing, you would be able to refinance from one lender's short-term teaser rate to the next, without ever having to pay the full price... but then the music stopped and UK borrowers found themselves saddled with fast-rising standard variable rates. Household budgets were torn to shreds, and all while inflation ran rampant on ..read more
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Tokyo: Asia's next FinTech hub, with Morris Iwai
How to Lend Money to Strangers
by Brendan le Grange
3w ago
Japan is an uncommon blend of known and unknown: I drive a Nissan, you might drive a Toyota, my TV is a Sony, and since my time in Hong Kong, my go-to beer on hot days is an ice-cold pint of Asahi... but I know little about their FinTech scene. So, to set that right, I sat down with Morris Iwai, a seasoned business executive with 20+ years of experience in the credit card, consumer lending, and payments industries of the US, Taiwan, Singapore, and, of course, Japan. Morris shares that experience - and some hard numbers - as we cover: An overview of the credit card and payments markets in Ja ..read more
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Agile decision systems for modern lending needs, with Dmitriy Wolkenstein (Timvero)
How to Lend Money to Strangers
by Brendan le Grange
2M ago
You can't afford rigid systems in a world that moves fast, but also, for a long time at least, you couldn't afford agile systems in a more dollars and cents sort of way. But these days you can. Timvero's solutions are all laid out at https://timvero.com/ or head towards a demo by jumping straight to https://timvero.com/request-a-demo/ You're welcome to start a discussion with Dmitriy over on LinkedIn https://www.linkedin.com/in/dmitriy-wolkenstein-7a19b79a/ And while you're there, come and find and connect at https://www.linkedin.com/in/brendanlegrange As mentioned more than once in th ..read more
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Aiming when you can't see the target, with Clare McCaffery(DirectID) and Jacobus Eksteen (Matogen AI)
How to Lend Money to Strangers
by Brendan le Grange
2M ago
When you want a model, you typically start with a target variable in mind. But sometimes that's not possible. Perhaps you're entering a new market or expanding into a new niche, you could start lending on a small scale and wait to see what happens. We used to call that a deep risk test, often somewhat euphemistically when a cohort was accidentally approved through a gap in the system. But even if you're happy to take a chance, that takes time - there's no way to shortcut a 12-month outcome. Enter the u-score, Matogen AI's novel approach to applying an analytical layer to the old-fashioned ex ..read more
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Multi-currency and cross-border lending, with Jorge Juttner (Ritmo) and Maggie Gemmill (Currencycloud)
How to Lend Money to Strangers
by Brendan le Grange
3M ago
I've got a drawer in my bedside table that is filled with an assortment of foreign notes and coins: euros and dollars and Rands that I need relatively often but that I'll nevertheless forget to take when I travel next; some Indian rupees that have long since been decommissioned; some Hong Kong dollars because how can it have taken me four years to find an excuse to get back; some, what I think are Cambodian riel; and an unseemly number of hotel room keys. It's chaotic, but even more organised people than me have to work extremely hard to keep international trade relatively efficient, with mult ..read more
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Who defaults on Covid loans, with Maurizio Fiaschetti (University College London)
How to Lend Money to Strangers
by Brendan le Grange
3M ago
No good deed goes unpunished and no well-intentioned government loan program goes undefaulted upon, even more so when that government program was designed and implemented in the chaotic early days of the COVID lockdowns. We've all seen the headlines, but what do the numbers say, what sort of businesses have been defaulting on COVID loans in the UK? Well, Dr Maurizio Fiaschetti is writing the paper on it - along with Drs Ahmed Barakat, Meryem Duygun, Eddie Gerba (PhD), Tian Han, Enrico Onali, Afshin Sabri, Mike Tsionas and Huamao Wang - so I sat down with him to learn more. You can reach ou ..read more
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AI-powered lending for Colombian businesses, with Viviana Siless (Quipu Bank)
How to Lend Money to Strangers
by Brendan le Grange
3M ago
Nearly two out of every three Colombian jobs are in the informal economy! That's a huge number that needs to come down, and no doubt it will, but until then, someone really needs to bring the benefits of formal financing to the small business owners in the informal sector. Enter Quipu with whose AI-powered loan decisions "growing is easier, fairer and more alternative". You can find Viviana on LinkedIn at https://www.linkedin.com/in/viviana-siless/ There's a Quipu page there, too, https://www.linkedin.com/company/quipulatam/ but there's even more information on their homepage over at https ..read more
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The right content in the right hands at the right time, with Nicky Senyard (Fintel Connect)
How to Lend Money to Strangers
by Brendan le Grange
3M ago
We all love how easy it is to change bank accounts these days... until it is our customers (and their planned-on deposits) who are moving. After all, we just sent them a pamphlet that very clearly invited them to apply for a loan at an APR of between 5% and 25% variable on term and risk and changes in the base rate, and subject to final credit checks, and late fees and penalties could apply in certain circumstances - that's a good deal, what was there to not understand? Our lending business have changed dramatically, the way in which we communicate with our customers needs to change, too. In ..read more
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Lithuanian fintech is compact and agile, with Jekaterina Rojaka (Creditinfo)
How to Lend Money to Strangers
by Brendan le Grange
4M ago
It's only thirty years since Lithuania's broke free from the Soviet Union, but already it's home a buzzing fintech scene: "Leapfrogging was probably the largest idea behind the Lithuanian success". Join me and Jekaterina Rojaka, Chief Commercial Officer (CCO) at Creditinfo Lietuva, as we explore the roots of that success. Creditinfo Lithuania can be found at https://lt.creditinfo.com/en/ or jump straight to https://lt.creditinfo.com/en/strongest-in-lithuania/ for award-winning Lithuanian businesses But, as we've covered on this show before, they've got operations all over the world, so you ..read more
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KYC Better, with Sasha Marley (Bonafidee)
How to Lend Money to Strangers
by Brendan le Grange
4M ago
"Trust matters more than ever, but in today's anonymous landscape, it is becoming rarer by the day. (At Bondafidee) we want to change that." I recently sat down with Sasha Marley for one of the most personal interviews I've done here, because fraud isn't just a numbers thing, it has very real human impacts. Bonafidee is at home online home at https://bonafidee.com/ (or jump straight to YourQNA at https://bonafidee.com/features/your-qna-kba/) As she mentioned in our chat, Sahsa is very active on LinkedIn (https://www.linkedin.com/in/sasha-marley-19156a2/), where you can also find Bonafide ..read more
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