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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

43:37

How to try a new podcast aka the hAIghtened senses...

How to Lend Money to Strangers ·

2024/07/25

I've been busy with the kids' end-of-year activities, with a bit of camping, with a bit of drinking in Belfast, with a bit of planning for a trip to Paris for the Olympics, with a bit of everything except podcast editing 😉 So, to fill the gap until next week, here's a taste of my other show: hAIghtened senses. From drones scanning the forests of Sweden looking for early signs of pest infestations to artificial noses detecting spoiled milk or the presence of mildew to innovators building businesses

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33:58

Innovation for interesting markets

How to Lend Money to Strangers ·

2024/07/18

Adrian Pllay has an unusually deep understanding of some of the world's more interesting markets. We've heard a lot about the US and the UK on this show but today, Adrian takes us off the beaten path: having been based at times in Africa and at times in the Middle East, he now oversees both of those regions as well as a little in-between! We talk about what he's learnt along the way, we get teased with the possibility of a future book, and we hear how Provenir is helping banks, fintechs, and other

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21:18

Lenders leaping forward, with Paul Weiss (Simbuka)

How to Lend Money to Strangers ·

2024/07/11

"If my mom asks me what I do, I say I work for a company that helps financial institutions worldwide to make lending simple". Paul Weiss is talking about Simbuka in this quote, a young and passionate software development company, focusing on financial institutions that operate in developing and emerging markets. And since the name Simbuka originates from the Kinyarwanda language, what better location to find Paul than in Kigali.Simbuka is online at https://www.simbuka.com/ or find and follow them on

en

35:27

A global study of credit self-monitoring, with...

How to Lend Money to Strangers ·

2024/07/04

In the last five years, one hundred million Americans have started to monitor their credit reports with TransUnion for the first time. One hundred million. And the same thing is happening all around the world. But just because everyone is doing it, doesn't mean they're doing it for the same reason: some consumers are in a bind and looking for a way back to good credit; some are planning a major loan and want to optimise their options; some want to make sure everything is untouched and as it should

en

18:15

A modern, digital loan for India with Kabeer...

How to Lend Money to Strangers ·

2024/06/27

"So as I as I always say, Brendan, India is now the coolest party in town and if you are late, you might not get in!"The story of Indian fintech is one of almost unimaginable speed and scale, and watching it from the front lines was Kabeer Chaudhary. So I sat down with him to talk about digitising loans and learning from banks and fintechs to deliver a project that works with loss rates that allow you to sleep peacefully at night.You can find ClickMyLoan at https://clickmyloan.com/ or on LinkedIn at

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23:35

Building a green credit score, with Daniel Mclean...

How to Lend Money to Strangers ·

2024/06/20

As an industry, we've been using scorecards as objective and comparable measures of credit risk for generations. We've used this experience to get more and more accurate in those models, but there are other uses, too, like maybe an objective and comparable measure of environmental risk...I'm sitting down with Daniel Mclean, Client Partner at 4most, a specialist credit analytics firm that became a specialist analytics firm and went on to win awards for its new "green" credit score - an ESG score that

en

24:05

Closing the SME funding gap, recorded live at...

How to Lend Money to Strangers ·

2024/06/13

Last week I had the pleasure of hosting back-to-back live recordings of this podcast in the MoneyPot studio, a glass-walled thing of beauty on the Money20/20 show floor. The second of those was a data-backed dive into the world of frictionless and fair embedded business finance with Rob Straathod, CEO of Liberis - what I think could be one of the best use cases for Open Banking out there.You can find Liberis at https://www.liberis.com/ You can find Rob on LinkedIn at

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30:22

Real-time data for collections, recorded live at...

How to Lend Money to Strangers ·

2024/06/13

Last week I had the pleasure of hosting back-to-back live recordings of this podcast in the MoneyPot studio, a glass-walled thing of beauty on the Money20/20 show floor. The first of those was an inspiring discussion about real-time data in collections with James Hill, CEO of Flexys Debt Management & Collections Software - what I think could be one of the best use cases for Open Banking out there.Flexys is at home online at https://www.flexys.com/ You can reach out to James on LinkedIn:

en

38:19

Lessons from the Chinese model, with Richard Turrin...

How to Lend Money to Strangers ·

2024/05/30

Five years ago, cash was involved in every fourth POS transaction in China. Today, it is involved in 1 in 14, and in two years, it is expected to be involved in just 1 in 33. The size and speed of that evaporation are undeniably impressive, but the most important lessons will be found by studying neither the size nor the speed at which those cash transactions evaporated but from studying where those transactions went. In the West, cash transactions became debit card transactions and the big banks

en

28:37

Funding growth in modern economies, with Ritwik Ghosh...

How to Lend Money to Strangers ·

2024/05/23

Grab is by far the largest ride-hailing platform in Southeast Asia, the largest food delivery platform, one of the largest digital payment methods, and now, thanks in part to the work of my guest, Ritwik Ghosh, the largest embedded FinTech lending business.That's an impressive set of achievements, but Ritwick and his co-founder, Sauvik Datta, still saw a gap: while Grab is an important platform for many merchants, it is never their only platform, and so any platform-specific effort to deliver

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20:26

Fighting illegal money lending, with Catherine...

How to Lend Money to Strangers ·

2024/05/16

Last time the research was done in England, 1.1 million people were borrowing from illegal lenders... and that was two years ago, before the cost of living crisis which has surely pushed that number higher, so we're looking at somewhere between 1 in 30 and 1 in 40 adults. Those borrowers are facing a combination of threats and extortionate rates, and you're losing directly, too, because "if one of your customers is paying the loan shark, they won't pay your loan because the loan shall be the

en

24:21

Funding families, with John Aronica (Gaia)

How to Lend Money to Strangers ·

2024/05/09

"Roughly 15% of hopeful parents worldwide would be eligible for IVF - from a medical eligibility perspective - but today, only about 2% are able to access that care."It's all well and good financing cars or boats or sneakers, but sometimes we get a chance to finance something a little more important, like a house or, in this case, a family to fill it. Gaia are a wonderful example of that, embedding finance and insurance into a healthcare workflow to build the better way to pay for IVF.Gaia are at

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21:28

Cross-border lending in the EU, with Kaido Saar...

How to Lend Money to Strangers ·

2024/05/02

I was going to use a quote from Drachen here, because I remembered being quite proud of how I described Tallinn in there, but it turns out I remembered... generously So let's just say that Estonia is a fantastic place to visit this summer. But don't stop there, explore the other Baltic States while you're at it, maybe make a road trip of it and check out Poland, Czechia, and Germany, too. The borderless EU is your playground.And, before the disaster that is Brexit, I enjoyed that freedom of movement

en

32:19

Understanding customers. Getting them into houses....

How to Lend Money to Strangers ·

2024/04/25

"It started by just going out and networking, listening to people, asking them what worked, what didn't work, you know, ringing up estate agents saying, look, I'd love to do your mortgages and walking up and down the high street with my briefcase."As much as I love featuring VC-funded, AI-powered, alternative data-consuming startups on this show, it is well worth remembering that there's still a very big place for businesses built on human interactions - provided those interactions lead to better

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28:37

Zero interest Zero fees Zero new credit, with Alex...

How to Lend Money to Strangers ·

2024/04/18

“Buy now and pay in up to 24 monthly instalments using your existing credit card. Zero interest. Zero fees. Zero new credit.” With copy that good, you might not actually need to listen to this week’s episode 😉 But please do, it’s a really good one as we hear first hand from one of South Africa’s most exciting new fintech founders. Float is all about taking a payment tool that you already know and love, stripping away the cost, to providing cash flow management that enables spend without an

en

34:28

Lending: it's a risky business, with Carolyn Rohm

How to Lend Money to Strangers ·

2024/04/11

Always curious, always outspoken, Carolyn Rohm has a deep passion for helping analysts and analytical teams to engage with the wider business and stakeholders to deliver solutions that provide real value and bottom-line benefits. In today’s episode, we talk about her career in credit risk, about the different nuances of credit risk analytics in high-risk and low-risk environments, about credit scores and credit strategies, about analytics for modern collections, and about how to build teams with

en

24:25

Automating complex data-driven decisions, with Martin...

How to Lend Money to Strangers ·

2024/04/04

The global covid pandemic shut down a lot of things, but new vehicle supply chains were among the hardest hit. A knock-on effect of that was that Taran, an advanced analytics and AI consultancy saw their hot lead for a new contract evaporate. But sometimes setbacks are really opportunities in disguise, and as Taran's leadership team adjusted to put all their eggs in their remaining project, they realised that they were more than a consultancy, they had a product on their hands - and, more or less,

en

22:08

Mobile-first lending in Tanzania, with Nassor...

How to Lend Money to Strangers ·

2024/03/28

Caleb Maru called M-Pesa the "company that changed Kenya forever", and the crazy thing is, its impact was even bigger than that - because the dominoes that M-Pesafirst tipped over in Kenya, seventeen years ago, are still having an impact all over East Africa. In today's episode, I'm speaking to Nassor Abubakar, an M-Pesa veteran and digital lending expert who is spreading mobile-first digital loans across Tanzania with NMB Bank.You should follow Nassor on LinkedIn for

en

23:46

Unleashing CreditPy, with Ayhan Diş

How to Lend Money to Strangers ·

2024/03/25

In the world of data science, there are people like me, who have signed up for an online Python course but just not got around to starting it yet, and then there are people like Ayhan Diᶊ, who, given a spare month, create a Python package to succeed the highly successful CreditR by simplifying tasks such as variable analysis, model development, and calibration and validation with unparalleled efficiency 😂Ayhan Diş is a Quant Professional renowned for shaping sophisticated data-driven solutions

en

25:59

Have you talked to your kids about data science? With...

How to Lend Money to Strangers ·

2024/03/21

"Data is a bit like the blood of an organisation. It goes everywhere. However, because it goes everywhere, you cannot just silo it somewhere. Of course, you need to have some standards around data, but every part of the of a business has to be responsible for the data".Daniele Forni cuts through systems and technologies to solve the complex data issues that otherwise prevent financial institutions and startups from unlocking their data potential. And luckily, he loves sharing those insights with us:

en

184 results

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