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PODCAST

How to Lend Money to Strangers

Brendan le Grange

A podcast about lending innovation and lending leadership in all the markets in which it takes place, however diverse those markets may be. In fact, it’s a case of ‘the more diverse the better,’ with guests from New York to New Zealand discussing everything from crypto-backed mortgages to crowd-funded loans for refugees to gamified loan journeys to AI-powered credit scores.I am the host, Brendan le Grange, and I have spent the last twenty years working in - or alongside - lenders in Africa, Asia,

business management

All Episodes

29:27

The service is the collateral, with Neel Juriasingani...

How to Lend Money to Strangers ·

2022/09/15

"It was, at that time, a very crazy idea", Neel Juriasinganitells me. "A lot of people still look at us as those crazy guys. But coming from that tech mindset, we were forced to think about how tech could be built to solve these challenges".Over the last decade or so, lenders have invested a lot of time and money to turn the smartphone into an optimised account acquisition tool - you want to be where your customer is, after all. But the fact that their smartphones are where your customers are at,

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41:36

Explainable AI and a new style of credit bureau, with...

How to Lend Money to Strangers ·

2022/09/08

We eat volatility for breakfast, we make love to volatility! Which is handy, because we’ve all heard it, most of us have even said it ourselves, the world is very volatile at the moment. So when Evan Chrapko of Trust Science told me how their models embrace volatility, I knew we were onto something interesting. Even more so, because I spent a decade working in the credit bureaus myself, and that’s the industry that Trust Science is disrupting right now with its volatility-eating models.As mentioned

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25:16

Lending in frontier segments, with Todd Kleperis...

How to Lend Money to Strangers ·

2022/08/25

Not all bankers wear suits - some, like Todd Kleperis, are built for frontier markets. It has been a decade since Washington and Colorado legalised the use of cannabis, and 17 States have followed suit, but with federal legalisation not yet on the books, most banks in the United States remain wary of the £33 billion industry. This, in turn, leaves the fast-growing recession-resilient sector starved for credit.Forged out of frustration with this status quo, Todd and his team built Payzel to fix this,

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28:51

The future of South African banking is open, with...

How to Lend Money to Strangers ·

2022/08/23

Open Banking is a proven technology with proven use cases, and in the UK, perhaps its spiritual home, user numbers continue to rocket - there are now more than 6 million active Open Banking customers there. However, some other markets are looking on and wondering what the fuss is about. This was surprising to me. And it was surprising to today’s guest, Nick Tuttelberg of DirectID. After all, there’s not a business alive today that wouldn’t want better data, and Open Banking provides some unique ways

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19:18

BNPL in the Middle East, with Ziyaad Ahmed (Spotii)

How to Lend Money to Strangers ·

2022/08/18

BNPL is usually spoken about in terms of it being a more convenient payment tool for people in option-rich credit markets, but a revenue model that doesn’t require interest resonates with Middle Eastern customers for even more reasons.So in this episode I speak to Ziyaad Ahmed, co-founder and COO at Spotii, a Dubai-based BNPL now in the ZipPay stable.You can learn more about Spotii at https://www.spotii.com/Their social tag is @spotiime ala https://instagram.com/spotiime?igshid=YmMyMTA2M2Y=You can

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17:30

AI driven credit scores, with Sabelo Sibanda (CreditAIs)

How to Lend Money to Strangers ·

2022/08/16

More than 200 million formal and informal micro, small, and medium-sized enterprises in emerging markets lack adequate financing to thrive and grow; and the majority cite the lack of collateral and credit history and business informality as barriers to that financing. Today's guest, Sabelo Sibanda, has built CreditAis to solve this by providing explainable deep learning models that use alternative data to accurately score small businesses that don't fit the incumbent scoring criteria.You can learn

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22:38

What lenders can learn from borrowers, with Nicole...

How to Lend Money to Strangers ·

2022/08/11

Nicole Lapin, Host of Money Rehab with Nicole Lapin, is “the only financial expert you don't need a dictionary to understand”.And sure, you may not need a dictionary to understand lending anymore, but that’s because you work in the industry. I’m going to guess that most of your borrowers don’t. And I’m also going to guess that most of your borrowers don’t want to spend their days reading dictionaries, which is why Nicole is where they are going to learn and to vent about their credit troubles.As

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21:35

Making payday lending redundant, with Caroline van...

How to Lend Money to Strangers ·

2022/08/09

South Africa has an awkward history with payday lending and payday adjacent lending, so I was a touch concerned when I first heard that a fresh pair of South African entrepreneurs were looking to shake up the industry. Luckily, all my concerns were misplaced, because SmartWage is not looking to rethink payday lending, they're looking to make it redundant.You can read more about SmartWage, now re-branded as Jem at https://www.jemhr.com/ In today’s episode, we talk about digitising communication

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29:04

Empowering entrepreneurial women, with Debbie Watkins...

How to Lend Money to Strangers ·

2022/08/04

Singapore might not feel like a natural home for a mobile banking app built on a vision to increase access to credit, but the city is not all glass skyscrapers and besuited bankers; and women are the ones most likely to fall through the cracks. That’s why Lucy is here. If you’re an entrepreneur, or a momtrepreneur, or a micropreneur, then it’s like your bank, but better. In today’s episode, I speak to Lucy’s impressive co-founder, Debbie Watkins, about her globe-spanning career and how a better

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26:45

How to stop lending money to strangers and follow...

How to Lend Money to Strangers ·

2022/08/02

Stephen Hawking starts A Brief History of Time with an anecdote he attributes to Bertrand Russel who, having just finished a lecture on the heliocentric nature of the planets’ orbits, was challenged by a lady in the audience. “What you have told us is rubbish.” She said, “The world is really a flat plate supported on the back of a giant turtle.""If your theory is correct, madam," Russell replied, "then what does this turtle stand on?""You're a very clever man, and that's a very good question," she

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29:45

Private lending for real estate, with Alex Breshears...

How to Lend Money to Strangers ·

2022/07/28

Early in Dead Poets Society, we’re introduced to Dr J. Evans Prichard’s approach to measuring the greatness of a poem, a dual-axis model which plots ‘perfection’ against ‘importance’ and which is immediately ripped up - because it is excrement. Luckily, I’m not trying to confine something as ethereal as poetry, so bear with me, and imagine a market for loans being described using two axes, with the horizontal axis showing the level of standardisation and the verticle axis showing the average values

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31:18

The value of self-regulation, with Anna Roughley (LSB)

How to Lend Money to Strangers ·

2022/07/21

“Please, sir, may I have some more regulation?”The Lending Standards Board is the primary self-regulatory body for the banking and lending industry in the UK, driving fair credit outcomes by giving lenders a way to hold themselves to a higher standard. I chat to Anna Roughley, Head of Insights at the LSB, to find out how this drives fairer outcomes for lenders and borrowers alike, and why self-regulation can be a strategic advantage in the modern world.You can read more about LSB at

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31:47

Putting core banking on the cloud, with Antonio...

How to Lend Money to Strangers ·

2022/07/14

It’s not often that a bank’s ATMs running out of cash is a sign of its success, but that’s exactly what happened when Cantilan Bank - with its systems on the cloud - was able to get back on its feet after Typhoon Rai, and to dispense much-needed cash to the people, when no one else was able to. In today’s episode, I speak to Antonio Separovic, co-founder of Oradian, the fintech whose cloud-native core banking system made that bounce-back possible.But, though forged in developing markets, the market

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27:52

The little credit bureau that did, with Paul Randall...

How to Lend Money to Strangers ·

2022/07/12

When I was living in Denmark and working at Experian, my boss’s boss was a rockstar, you would never hear Burak Kilicoglu’s name mentioned without an associated compliment. And I wasn’t the only one to notice, so he was soon snapped up by Creditinfo to be their Director of Global Markets - a perfect sounding guest for this show, right? Unfortunately, though I tried, I never managed to get Burak on… which is why I was doubly happy to be chatting to today’s guest, Burak’s boss and Creditinfo CEO, Paul

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28:08

A foot-up onto the property ladder, with Cameron...

How to Lend Money to Strangers ·

2022/07/07

We all pay a mortgage every month, just sometimes it's our landlord’s mortgage we're paying… I was in London for The Podcast Show in the last week of May and took that opportunity to record another in-person episode of HTLMTS - this time kindly hosted at OnLadder Towers by Cameron Orcutt, half of the exciting entrepreneur pair that’s using deposit loans to help first-time home buyers get on the property ladder faster. Mortgage down-payments have always been expensive. A 20% downpayment on the

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28:21

The data you need when you need it, with Simon...

How to Lend Money to Strangers ·

2022/06/30

You may have noticed, but the world is a little unsettled these days. Incomes are variable. We’ve had government support programs come and go. And underlying industries come and go. Prices are rising. Fast. In an episode of this show that I recorded six months ago, I made reference to the price of fuel being £1.50 a litre. That had actually been a slight rounding-up for convenience but already, with fuel touching £2 a litre, it feels like a bargain.I belabour the point simply because, the more

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33:25

Machine learning to power a fintech revolution, with...

How to Lend Money to Strangers ·

2022/06/23

The first really big event that I spoke at during my time in Asia was in Shanghai. I was at Lendit China speaking about the emergence of fintech lending in Hong Kong, following a template my US colleagues had first designed to explain the rise (and rise, and rise) of lending fintech there. So I’ve always been interested in the forces that came together to give fintech lenders their first footholds in the American personal loan space, and then allowed them to power the subsequent growth in that

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24:38

Lending innovation in Moldova, with Bogdan Plesuvescu...

How to Lend Money to Strangers ·

2022/06/16

I used to feel a little bit exotic knowing a person born in Moldova, but since he left as a baby, that’s actually all I knew about Moldova. It turns out, I should have been paying attention because it may be a small country, but Moldova is standing on the threshold of significant change: on the one hand, a formal push is now underway to bring them into the EU but on the other, there’s also the still-present threat of Russian aggression.Moldova was once in the USSR, but arguably its historical and

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27:09

P2P Lending is Not Dead, with Mukesh Bubna (Monexo)

How to Lend Money to Strangers ·

2022/06/09

I feel a strange affinity with peer to peer lending. I've never done it myself as a lender, borrower or connector but one of the first projects I ever did in my MBA, some 16 years ago now, was on Zopa and the emergence of the P2P model. But more recently, the headlines have been bearish, with Zopa and Funding Circle - two pillars of the form - both shutting down their retail P2P arms.As a lending model, P2P felt all but dead.Except that, as the tide pulled back, one or two gems were still lying on

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29:08

Lending in Thailand and SE Asia, with Marco Chu...

How to Lend Money to Strangers ·

2022/06/02

Thailand is one of my favourite markets. My main memories are of the fantastic food, the vibrant streets, and the perfect beaches but I also helped to roll out the first-ever national credit bureau score there and that’s what we’ll be talking about today. Thailand is a young country with a fast-evolving fintech scene, so I have pulled together Khun Phadet Charoensivakorn (COO of the National Credit Bureau) and Marco Chu (Business Development Director for TransUnion in SE Asia).Together we discuss

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185 results

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