Lend Academy Podcast

The underserved are having a moment. And it is about time. There are more fintech companies targeting the non-prime community than ever before with better and less expensive products. The revolution in technology and data access is enabling fintech companies to go deeper into the underserved population than ever before. Our next guest on the […] The post Podcast 292: Ken Rees of Covered Care appeared first on Lend Academy.

You have probably heard the terms DeFi, which is an abbreviation for Decentralized Finance and NFTs, meaning Non-Fungible Tokens. They have been covered in the news a great deal in the past month or more. So, I wanted to do an episode where we do a deep dive into these topics to find out not […] The post Podcast 291: Lex Sokolin of ConsenSys appeared first on Lend Academy.

The way the basic checking account is constructed has not changed in decades. Your money is kept on a bank’s balance sheet and the bank lends this money out and they make money on the spread. Obviously, I am simplifying here because banks use leverage on these deposits to lend out multiples of this money. […] The post Podcast 290: Stephane Lintner of Jiko appeared first on Lend Academy.

The biggest decision in anyone’s life is the decision to start a family. For the growing segment of the population that can’t do so naturally there is, of course, fertility treatments. Now, this is an exciting, scary and often heart wrenching time. And for many people the financial burden for these treatments is too much […] The post Podcast 289: Claire Tomkins of Future Family appeared first on Lend Academy.

Just a heads up that we have rebranded the podcast. From now on we are calling the show Fintech One•On•One, it better reflects what we are trying to do here. That is, one-on-one conversations with fintech leaders. While lending is still important to us, we cover most verticals within fintech and so we now have […] The post Podcast 288: Leigh Phillips of SaverLife appeared first on Lend Academy.

The Buy Now Pay Later (BNPL) space is probably the hottest vertical in all of fintech. Consumers like the flexibility of paying for their purchases over time and it was why some of the leading companies in the space attract such incredibly high valuations. Now, most of the BNPL players are focused on extending new […] The post Podcast 287: Brad Paterson of Splitit appeared first on Lend Academy.

Many fast growing companies today look to equity to fund that growth, whether it is angel money, VCs or the public markets. But equity should not be the default capital choice, it is expensive and often not necessary. Many times debt capital can provide a more optimal solution, one that helps the company maintain fast […] The post Podcast 286: Billy Libby of Upper90 appeared first on Lend Academy.

Most countries in the world today have some kind of centralized repository for credit data. But this data exists in silos, cut off from the rest of the world. For immigrants moving to a different country this has been a real problem. A doctor with a 20-year credit history earning $250,000 a year in, say, […] The post Podcast 285: Nicky Goulimis of Nova Credit appeared first on Lend Academy.

Today, we are talking about earned wage access again. I am a big fan of this product and it is getting serious traction today. As I recently shared regulators are also paying attention and that is a good thing as the industry. As you will learn in this episode millions of people are now relying […] The post Podcast 284: Ram Palaniappan of Earnin appeared first on Lend Academy.

PACE (Property Assessed Clean Energy) loans have been around for more than a decade but occupy a relatively narrow niche in the lending ecosystem. The legislation varies by state but PACE loans can be used to finance energy efficiency projects such as solar panels, new boilers, insulation and more. The borrower does not repay the […] The post Podcast 283: Mary Kathryn Lynch of Renew Financial appeared first on Lend Academy.

Impact investing is having a moment. While it has been around in some form for several decades, today, many large and small investors are demanding that their money do more. They don’t just want to make an impact investment, they want to see exactly how they made an impact, in a measurable way. Our next […] The post Podcast 282: Catherine Berman of CNote appeared first on Lend Academy.

Those businesses that make physical products always have the same challenge. They typically have to pay for their inventory before they receive revenue from selling it. This is a balancing act that requires a financial partner and businesses have used a variety of different financing sources, both traditional and fintech. But there has never been […] The post Podcast 281: Sean De Clercq of Kickfurther appeared first on Lend Academy.

In 2020 for banks and credit union all roads led to digital. The pandemic caused something of a stress test on digital offerings for financial institutions of all sizes. Pretty much everyone saw digital adoption far exceed expectations in several categories. Today, we are going to look at what it meant for one of the […] The post Podcast 280: Thea Mason of PenFed Credit Union appeared first on Lend Academy.

Most U.S. debt investors pay only scant attention to emerging markets. While some are moving into Latin America most are happy to stay in the comfortable confines of the USA and Europe. But some of the best opportunities are in emerging markets today, those markets that do not yet have much of an institutional investor […] The post Podcast 279: Jerry Wang of Haitou Global appeared first on Lend Academy.

The rallying cry of the online lending industry has been to eliminate high cost credit card debt. And while tens of billions of dollars of revolving credit has been refinanced with lower cost personal loans we are starting to see some companies branch out into credit cards. Avant is one such company. Our next guest […] The post Podcast 278: James Paris of Avant appeared first on Lend Academy.

For young adults just starting out in life or immigrants arriving to this country, there is no clear path to establishing a credit history. I know for myself, arriving in this country 29 years ago, I was rejected for a $500 credit limit card time and time again. For many people it is a catch-22, […] The post Podcast 277: Joe Bayen of Grow Credit appeared first on Lend Academy.

Mike Cagney has built a reputation as one of the smartest people in all of fintech. His capacity to raise capital is unparalleled in our space but he is also a visionary who is tackling some of the biggest fintech challenges. Back for the third time on the Lend Academy Podcast, and his first time […] The post Podcast 276: Mike Cagney of Figure appeared first on Lend Academy.

The way we move money around the world has, for the most part, not changed much in many decades. But real change is on the horizon and it is actually already happening. Many companies are reimagining this challenge in new ways and by the end of the decade moving money internationally will likely be as […] The post Podcast 275: Asheesh Birla of Ripple appeared first on Lend Academy.

The small dollar lending space is starting to see some real innovation. After banks have basically ignored this population for years, with the gentle push from regulators, some are now entering the space for the first time. One of the companies that is helping to enable this shift is OppLoans. Our next guest on the […] The post Podcast 274: Jared Kaplan of OppLoans appeared first on Lend Academy.

Latin America remains one of the hottest region of the world when it comes to fintech. It is a large market that is still relatively undeveloped and so offers more opportunities than most places on earth. It is also the home of the largest fintech company in the world (outside of China), as far as […] The post Podcast 273: Manuel Silva of Mouro Capital appeared first on Lend Academy.