Lend Academy Podcast

The regulatory system under which the financial system operates is exceedingly complex. This is understandable given mow important finance is to people’s lives. But the way we have implemented regulations has only changed incrementally over the last few decades while technology has completely transformed the financial system. Addressing this challenge head on if the focus […] The post Podcast 272: Jo Ann Barefoot and David Ehrich of AIR appeared first on Lend Academy.

There has been a great deal of innovation in digital banking for consumers with dozens of fintech companies providing digital bank (or bank-like) accounts that are so much better than what was available five or ten years ago. But the same cannot be said for small business bank accounts where there are very few offerings. […] The post Podcast 271: Immad Akhund of Mercury appeared first on Lend Academy.

The low and middle income consumer has been struggling for decades. And while the pandemic has made things a lot worse there is a great deal of work being done to try to improve their situation. One of the key pieces is savings, as a country we simply do not save enough. Our next guest […] The post Podcast 270: Tim Flacke of Commonwealth appeared first on Lend Academy.

This year the world has moved online. But it is not just consumers that have made this move, it is the fraudsters as well. They have taken advantage of a dislocated business environment without historical precedent to wreak havoc. To fight these fraudsters you need ever more sophisticated tools. Our next guest on the Lend […] The post Podcast 269: Arjun Kakkar of Ekata appeared first on Lend Academy.

The point of sale financing space is one of the hottest niches in all of fintech. While most of the attention has gone to the retail “buy now pay later” space what is growing almost as fast is the solar financing sector. With only 2% of homes currently having solar panels and with the cost […] The post Podcast 268: Matt Potere of Sunlight Financial appeared first on Lend Academy.

The pandemic has touched all niches within lending but there has been a wide disparity on the impact on individual platforms. In the fix and flip lending space originations went to virtually zero fairly quickly and have been slowly climbing the last several months. Our next guest on the Lend Academy Podcast is Allen Shayanfekr, […] The post Podcast 267: Allen Shayanfekr of Sharestates appeared first on Lend Academy.

The pandemic has had more impact on small business lending than probably any other vertical. While the PPP enabled many lenders to continue to lend and therefore stay in business that is now history. What the pandemic also did was that it demonstrated how robust lenders underwriting models were. This crisis has not effected all […] The post Podcast 266: Prashant Fuloria of Fundbox appeared first on Lend Academy.

Every year in the lead up to our biggest show we provide a deep dive into what to expect with our LendIt Fintech USA preview show. I chat with my colleagues Bo Brustkern, CEO, and Todd Anderson, Chief Product Officer of LendIt Fintech about all the components of the eighth annual event which also happens […] The post LendIt Fintech USA 2020 Preview appeared first on Lend Academy.

One of the challenges that has plagued consumer lenders over the years is that when times get difficult some consumers do much better than others. There are even large variances in people who have the exact same credit score. There are lots of ways to get a 680 credit score and these people will all […] The post Podcast 265: Sally Taylor of FICO appeared first on Lend Academy.

We have seen big changes in the payments landscape this year. Technologies such as contactless payments have seen five years of growth in just the last six months. Companies that didn’t have a large digital footprint before the pandemic suddenly realized they had to adapt, and fast. This is where today’s guest comes in. Our […] The post Podcast 264: Brian Dammeir of Adyen appeared first on Lend Academy.

We have seen many companies in fintech branch out into adjacent areas of finance as they add product lines to bring more opportunities for their customers. But rarely, if ever, have we seen fintech companies look outside of finance completely when adding to their product mix. Our next guest on the Lend Academy Podcast is […] The post Podcast 263: Sergio Furio of Creditas appeared first on Lend Academy.

It is a conundrum for every online lender. Why is it that such a small percentage of the borrowers who start at the top of the marketing funnel make it all the way through the online journey? And then a portion of those that do complete the journey are fraudsters. Our next guest on the […] The post Podcast 262: Jack Alton of Neuro-ID appeared first on Lend Academy.

Mexico is becoming a hotbed of fintech innovation. The second largest economy in Latin America has seen a wave of innovative fintech companies launch in the last five years and fintech investors are taking notice. There is more VC money available today in Latin America than ever before which means the leaders in the industry […] The post Podcast 261: David Poritz of Credijusto appeared first on Lend Academy.

In fintech today many companies are expanding beyond their core product as they seek to serve their target market with more and better products. What we are seeing is companies embracing all forms of digital banking as they expand their focus. Our next guest on the Lend Academy Podcast is Andy Rachleff, the CEO and […] The post Podcast 260: Andy Rachleff of Wealthfront appeared first on Lend Academy.

There never been an environment like this for consumers. Even with some government assistance many people are struggling like never before, struggling to pay their rent, put food on the table and to pay back their loans. There are resources all over the country to help people in need but sadly not enough people know […] The post Podcast 259: Rochelle Gorey of SpringFour appeared first on Lend Academy.

The last financial crisis ushered in the Dodd-Frank Act and with that the Consumer Financial Protection Bureau (CFPB). The CFPB had a mandate to protect consumers from financial harm but it has not been without controversy. Our next guest on the Lend Academy Podcast is none other than Rich Cordray, the first Director of the […] The post Podcast 258: Rich Cordray, Former Head of the CFPB appeared first on Lend Academy.

There are many areas of finance that are really stepping up during the crisis. We have talked at length about the fintech lenders that helped drive billions of dollars to small businesses through the PPP. In this episode we talk about impact investors and the outsized role they can play today. Our next guest on […] The post Podcast 257: Jacob Haar of Community Investment Management appeared first on Lend Academy.

Today, it is becoming relatively easy for non-financial services firms to add financial products as a new offering for their customers. We call this embedded finance where the product is embedded into a company’s full suite of offerings. We have seen this happen rapidly at scale with the Paycheck Protection Program (PPP). Our next guest […] The post Podcast 256: Lexi Reese of Gusto appeared first on Lend Academy.

The mortgage industry has been through a lot this year. From a liquidity crunch to booming demand to record low rates along with mandatory work from home orders and digital closings. Many mortgage lenders have struggled to adapt to this new normal amid record loan demand. Our next guest on the Lend Academy Podcast is […] The post Podcast 255: Vishal Garg of Better appeared first on Lend Academy.

In fintech today there is one company powering payments behind the scenes that few people had heard of until this past year. But they are the backbone behind 95% of digital banking activity today in this country. Our next guest on the Lend Academy Podcast is Clay Wilkes, the CEO of Galileo Financial Technologies. Through […] The post Podcast 254: Clay Wilkes of Galileo appeared first on Lend Academy.