How to Lend Money to Strangers Brendan le Grange
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- Business
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A podcast about lending in all its forms and 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, talking about everything from crypto-backed mortgages to crowd-funded loans for refugees. I am the host, Brendan le Grange, and I have spent the last twenty years working in - or alongside - lenders across Africa, Asia, and Europe and I’ll be using that experience to find and learn from industry insiders in a series of weekly interviews. Sometimes, those interviews discuss the inspiration behind a new start-up, sometimes they look back at a career spent at the lending coal face, and sometimes they explore where the latest technologies might take us. In the end, if it shapes a lending decision, we’ll talk about how. You can join us every Thursday here, or wherever you prefer to find your podcasts. And you can find written transcripts and more content can be found at www.HowToLendMoneytoStrangers.show
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Streamlining Australian home loans, with Vincent Turner (Uno Home Loans)
Designers speak about 'the job to be done' - you don’t need a taxi or an Uber or tuk-tuk, you need to get home to bed; you don’t need a mortgage, you need to finance your house purchase; you don’t need to spend every second weekend researching market rates, you just need to be on the best deal you qualify for. In this episode, I speak to Vincent Turner about Australian mortgages, about startups and why ‘early-stage businesses’ is perhaps a better term, about design thinking and deep working, and about a rather special belt.
Uno is at home online at https://unohomeloans.com.au/ Or on LinkedIn at https://www.linkedin.com/company/uno-home-loans/
You should check out Yoku belts at https://yokumensbelt.com/ (you know you need a smart new belt)
And you should also follow Vincent at https://www.linkedin.com/in/vhturner/
LinkedIn is also where you can find and connect with me: https://www.linkedin.com/in/brendanlegrange (please do reach out, follow the show's page, and share the content with your networks)
Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24
If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.
Keep well, Brendan
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Rwanda on the rise, with Sam Tayengwa (TransUnion)
Rwanda is rising as a regional financial centre, catching the East African fintech wave to drive economic and social transformation and to broaden financial inclusion. In today's episode, I'm speaking to TransUnion's CEO for Rwanda and Head of Africa Growth Regions, Sam Tayengwa to hear about the energy and progress that's bubbling to the surface there. We talk about mobile loans, of course, but also the emergence of old classics like mortgages and vehicle loans.
TransUnion is, as Sam said, at https://www.transunion.com/ but also at https://www.transunion.co.za/ and https://www.transunionafrica.com/rwanda (I think he got that a little wrong in the episode)
You can jump straight to Sam at https://www.linkedin.com/in/samtayengwa/, he's well worth the follow, and also check our TransUnion Africa's regional president, Lee Naik at https://www.linkedin.com/in/naikl/ and subscribe to his Elewa newsletter at https://www.linkedin.com/newsletters/elewa-africa-thinking-6706525337850781696/
LinkedIn is where you can find and connect with me: https://www.linkedin.com/in/brendanlegrange (please do reach out, follow the show's page, and share the content with your networks)
Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24
If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.
Keep well, Brendan
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A massively more inclusive credit score, with Charles Wandia (gnuGrid CRB)
The story of East African fintech is built around the mobile phone. Not the smartphone, mind you, but the humble feature phone. In markets where all but the most significant of locations lacked an established infrastructure of landlines and local bank branches, these phones leapfrogged both: powered by pre-paid sim cards that often served as a secondary currency and cleverly leveraged USSD technologies. But it has been seventeen years since M-PESA arrived on the scenes and yet traditional credit tools have often failed to cross the floor - in Uganda, the credit bureaus are filled with the data of there are just 2.4 million traditionally banked consumers, while a further 14 million sit waiting, with their data-rich mobile banking histories all but ignored.
But no more. In today's epsidoe I'm speaking to Charles Wandia of gnuGRID who, with Airtel, have built a national-level mobile credit score.
gnuGRID is the first and only indigenous credit reference bureau in Uganda, enabling financial inclusion through credit information sharing - and you can find them online at https://gnugridcrb.com/
You can also watch the official launch of that score at: https://www.youtube.com/watch?v=4VbEI_0l57A&t=19s
gnuGRID is also on LinkedIn, of course, as is Charles Wandia: https://www.linkedin.com/in/charles-wandia-983b4a65/
As you'll hear on the show, Charles also offers tailor-made training on credit scorecard development via Credit Tick Consulting at https://www.linkedin.com/company/credit-risk-tick-consulting/
Speaking of LinkedIn, that's where you can also find and connect with me: https://www.linkedin.com/in/brendanlegrange (please do reach out, follow the show's page, and share the content with your networks)
Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24
If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.
Keep well, Brendan
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A canary in the credit mine, with James Fell (Credit Canary)
"At its core, Credit Canary is a data platform that consolidates and reconciles multiple different data sources in a standardised way to produce a really rich set of flags and real contextual insights. And the essence of that is flexibility within lending. With the data that we have, there is a great opportunity not just to help make better decisions, but to help make better lending products." - James Fell, Founder and CEO
All too often, a borrower and their unique circumstances are thought about at the point of application and then entirely forgotten until a payment or two is missed. That might have been OK in a world of slow and scarce data, because what else could you do, but that excuse doesn't hold up any more - and with credit data, open banking data, and more, Credit Canary are helping us to put that right.
You can find Credit Canary and view their offerings at https://www.creditcanary.co.uk/
James gives his email in the episode, or you can find him on LinkedIn https://www.linkedin.com/in/jamesafell/ In fact, the whole team is available there (https://www.creditcanary.co.uk/about)
And while you're there, find and connect with me at https://www.linkedin.com/in/brendanlegrange
Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24
If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.
Keep well, Brendan
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The only mortgage you'll ever need, with Arjan Verbeek (Perenna Bank)
"It's important that in every interest rate environment, in every market environment, an average family can afford an average home" - Arjan Verbeek, co-founder at Perenna Bank.
The UK mortgage market has long been underpinned by the belief that, as long as the music kept playing, you would be able to refinance from one lender's short-term teaser rate to the next, without ever having to pay the full price... but then the music stopped and UK borrowers found themselves saddled with fast-rising standard variable rates. Household budgets were torn to shreds, and all while inflation ran rampant on the High Street, too.
Few escaped. And perhaps fewer still realised that variable rates were the reason they'd been unable to qualify for a mortgage in the first place. Variable rates can, of course, vary, and so, not wanting to carry the risk for this, lenders build a buffer to protect themselves through both a regulatory stress-test applied to affordability calculation and a significant down payment requirement. In a world where we all have to stretch ourselves incredibly thin to afford a house, that can be the difference between renting again and owning.
If only there was another way... like, say, the way they've been doing it in Denmark for the last two hundred years! In today's episode, I'm speaking to Arjan Verbeek, co-founder and CEO at Perenna Bank and vocal proponent of fixed-price long-term mortgages in the UK.
Perenna Bank is over at: https://perenna.com/
They're also on LinkedIn at https://www.linkedin.com/company/perenna/
As is Arjan himself, who is well worth the follow: https://www.linkedin.com/in/%F0%9F%87%B3%F0%9F%87%B1-arjan-verbeek-5884681/
And while you're there, find and connect with me at https://www.linkedin.com/in/brendanlegrange
Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24
If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.
Keep well, Brendan
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Turbocharged AI analytics, with Carey Anderson (1datapipe)
Big data analytics used to require multiple sources of data, fed into your systems via a complex array of pipes of varying structural integrity: leaks, hassles, and something to be left to only the most advanced of data organisations. In today's episode, we find out how all that has changed:
"As the name suggests, we are one big data pipe with a lot of information flowing through it, and we fuse that with AI to produce some high-value analytical products coming out the other end. And this 360 degree view of a customer, with more than 500 unique attributes, is a pretty powerful position to be in. And from there, we can do some wonderful things in real-time."
1datapipe is at home at https://www.1datapipe.com/ and that's where you can arrange a demo
Or you can find both 1datapipe (https://www.linkedin.com/company/1datapipe/) and the wider Provenir Group (https://www.linkedin.com/company/provenir-global/) on LinkedIn
And while you're there, come and find and connect at https://www.linkedin.com/in/brendanlegrange
Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24
If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.
Keep well, Brendan
Hosted on Acast. See acast.com/privacy for more information.
Customer Reviews
Great show!
Brendan, host of the podcast, highlights all aspects of success in different fields and more in this can’t miss podcast! The host and expert guests offer insightful advice and information that is helpful to anyone that listens!
Underrated
This podcast helped me out of one of the lowest times of my life. I found that and it makes a lot of practical sense and the life tools are highly applicable.
Thanks!!!
Love listening to Brendan le Grange, his strategies and methods are like no others.