Where Credit's Due: Tearsheet's Lending Podcast

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Hi everyone - this is Where Credit’s Due - Tearsheet’s podcast covering the latest trends in lending. I’m your host Iulia Ciutina, senior reporter at Tearsheet, welcoming you to our very first episode. 

Today we’ll be discussing how fintechs are helping immigrant communities to get access to credit, speaking with the chief executives of Nova Credit and Tomo Credit, Misha Esipov and Kristy Kim. 

As credit history typically stops at the border, many people who move to the US from abroad have to build consumer credit from scratch. Nova Credit wanted to address this problem and created an alternative score to assess foreign residents’ creditworthiness based on their home country credit data.

At Tomo Credit, founder and CEO Kristy Kim created a technical underwriting solution that would allow immigrants and others without a credit history to build a credit score. Unlike other major credit cards, Tomo doesn’t require a credit score and works independently of FICO.

Tearsheet's Where Credit's Due podcast Ep. 1: Credit for the underbanked

Today we’ll be talking about the small and medium sized business sector and how it’s becoming increasingly supported by digital lenders.

Securing loans from traditional banks is very tough for SMBs – it’s a long and complicated process and it’s not that likely they’ll get the cash they need – only 15% of small business applications get approved at big banks, for example. 

This is another reason why digital players like Square and PayPal are able to be some of the largest SMB lenders in the US, giving out billions of dollars in loans to the small business sector in 2021. 

And THAT is a reason why the two companies are my guests today - I talk to Luke Voiles, general manager at Square Banking, and Bernardo Martinez, vice president of Global Merchant Lending at PayPal - to hear their thoughts on small business lending.

Where Credit's Due Ep.2: SMB lending with PayPal and Square

Banks and fintechs are looking to improve their lending operations - and increasingly, this means focusing on their customer relationship, while leaving the math to external partners. 

These partners offer lending software-as-a-service, and that's what we'll be talking about this episode. Joining our conversation we have Adam Huges, who’s the CEO of Amount and Rohit Mittal, the chief executive of Stilt.

Where Credit's Due Ep. 3: The future of lending as a service with Amount and Stilt

Today we’re talking about how banks are digitizing their commercial lending operations.

If consumer lines took the front seat when it comes to innovation and digitization, commercial lines have been waiting quietly in the backseat but are now next to be brought forward with the latest technologies and underwriting efficiencies.

My guests today are Dan O’Malley, CEO of Numerated, a SaaS digital loan origination system, and Peter Grant, the President of OakNorth, which aims to transform commercial lending with its Credit Intelligence software product.

Where Credit's Due Ep. 4: Banks' journey to digitize commercial lending with OakNorth and Numerated

Today we’re talking about crypto lending – many crypto holders out there don’t plan on spending it or cashing out, and now they can earn pretty high yields on their crypto assets, which baffle many folks in traditional finance.

My guests today are Matt Ballensweig, managing director and co-head of trading and lending at Genesis, and Shannon Allmon, General Manager of Retail at BlockFi.

Genesis and BlockFi are both some of the biggest centralized lending platforms out there, so tune in to find out how the crypto market evolved into offering retail and institutional investors the possibility to lend with crypto assets as collateral.

Where Credit's Due Ep. 5: Crypto lending with Genesis and BlockFi

With consumers continuing to take a digital-first approach to everything from shopping to dating and investing, fraudsters are finding new and innovative ways to commit fraud. 

Traditionally, when a person would walk into a bank branch to open an account, they would need multiple forms of identification. But online, customer onboarding has turned into a riskier process for banks and consumer fintechs, with fraudsters trying to take advantage of their systems.

Reducing the stress of fraud allows for a more streamlined application process, making it easier for consumers to get approved for a loan or bank account. This aspect also has implications for groups of consumers that previously had a hard time accessing credit or other types of financial products and services, as banks can verify the applicant in a way they weren’t able to before.

I talk about this today with my guests Kimberly Sutherland, vice president of fraud and identity strategy at LexisNexis Risk Solutions and John Buzzard, Lead Analyst, Fraud & Security at Javelin Strategy & Research.

Where Credit's Due Ep. 7: A digital economy carries the risk of fraud in financial services

What happens if you bring together two of Norway’s most special voices, both in terms of songwriting, performance and presence in music. 
How will it work to merge two creative worlds into one beast. 

Jenny Hval & Susanna's collaboration 'Meshes of Voice' from 2009 will be released as an album on the label SusannaSonata in August 2014. 
Recorded live at Henie Onstad Arts Centre together with Jo Berger Myhre and Anita Kaasbøll. Jenny Hval & Susanna has composed the music and lyrics. 

Album released: 
in Norway and Germany 15th of August 2014
in UK 18th of August 2014
in USA 19th of August 2014

Order at Itunes: http://bit.ly/1le1Zcw
Order the album directly with the label here: http://bit.ly/1l52JAq
Order at Boomkat: http://bit.ly/1lJGIat
Order at Rough Trade: http://bit.ly/1lJGOyP
Order at Platekompaniet: http://bit.ly/VOOtpv
Order at CDON.com: http://bit.ly/1tPWztq


www.susannasonata.com
www.jennyhval.com
www.susannamagical.com

Buy on Itunes

Jenny Hval & Susanna  "I Have Walked This Body" Album out on LP, CD and digital services!

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Created: 8/24/2016 7:03:38 AM

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Tearsheet is news, opinion, and analysis on the business of finance.

Candid conversations with senior executives, fintech entrepreneurs, investors, industry experts -- all weigh in on the trends impacting the industry and the disruptive impact technology is having on the business.

Where social media, technology and finance intersect.

Where Credit's Due Ep. 7: A digital economy carries the risk of fraud in financial services

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