Income Insights

Income Marketplace
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Welcome to Income Insights, your monthly backstage pass to the Income’s P2P platform. Join our hosts, Income’s founder Kimmo, and Income investor and blogger Denny, as they delve into the heart of the platform, bringing you the latest news, insider angles, and other invaluable insights for investors. Sign up with bonus. https://getincome.com/register?ref_code=R5BE1F For more information, visit: https://getincome.com/blog/podcast/

  1. JAN 28

    Episode 18 I 2025 Recap and 2026 Outlook

    In this episode, we cover: How Income performed in 2025 and why it earned a 7/10 ratingWhat changed behind the scenes in loan originator onboarding and supply managementWhy institutional investors became a key (but mostly invisible) milestone last yearNew loan originators added in 2025 and how the selection process worksRevenue growth, ClickCash recovery, and the path toward profitabilityWhat investors can expect in 2026: secondary market, 2FA, new originators, and AUM targetsKey takeaways: Income focused on strengthening fundamentals in 2025, even at the cost of slower short-term growthInstitutional capital is emerging as a complementary growth pillar alongside retail investorsThe platform is targeting €50–60M in assets under management by the end of 2026 Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F

    56 min

  2. 10/24/2025

    Episode 17 I Lender Updates I Business as Usual

    Key Topics Covered: Market Overview – Income’s AUM remains steady at €22.4M, largely due to Danarupiah’s portfolio reduction following new APR caps in Indonesia. Kimmo explains the reasons behind the temporary stagnation and why the team remains confident in future growth. Lender Updates – ITF Group leads with €6.6M under management, showing strong institutional demand.Ibancar continues stable cooperation at €3.5M.Virtus Lending expands to €3M while exploring new markets.Simpleros (Spain) and Autofino (Lithuania) join as new lenders with gradual growth plans.Sandfield strengthens its position in litigation finance, now at €3M with timely repayments.Market Dynamics & Returns – With institutional liquidity increasing, P2P yields are tightening. Kimmo reflects on how Income maintains credit quality and competitiveness even as market rates shift. Crowdfunding & Development Priorities – The recent crowdfunding round raised €180K, which will support the secondary market launch, platform speed improvements, and security enhancements. Looking Ahead – Income plans to onboard 1–2 more lenders by year-end and explore offering its ledger technology to institutional partners — marking the next step in platform evolution. Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F

    33 min

  3. 06/13/2025

    Episode 16 I IT Infrastructure I IT Security I Secondary Market

    In this episode, Denny Neidhardt talks with Income’s CTO Jüri Pruulmann about the technology powering the platform. Jüri shares the origin and design of the proprietary “Time Machine” engine that ensures transparency, reliability, and traceability in all transactions. The discussion covers how Income scales its infrastructure, the approach to IT security, how lender integrations are handled, and why performance is continuously being optimized. They also dive into what’s coming next—including the secondary market, 2FA, and backend enhancements—made possible through the upcoming crowdfunding raise.   Topics discussed: Origins of the Income IT system and “Time Machine” ledger engineInfrastructure scaling and performance strategyLoan originator API integrations and validation safeguardsIT security practices and investor account protectionPlanned features: secondary market, 2FA, and system speed improvements Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F

    1h 2m

  4. 03/14/2025

    Episode 15 I Visiting DanaRupiah

    Key Topics Covered in Episode 15:  Denny’s On-Site Visit – Before the recording, Denny spent four hours discussing DanaRupiah’s key financial metrics and investment outlook, offering firsthand insights into the company’s operations. Christine’s Background & Founding of DanaRupiah – Christine shares her journey from studying in China to returning to Indonesia to co-found DanaRupiah with WeShare Group’s backing. Market Entry & Early Challenges – Entering Indonesia’s fintech space before regulations were in place, DanaRupiah navigated an unstructured lending environment and established itself in the consumer loan segment. Regulatory Adaptation – With Indonesia later implementing P2P lending regulations, DanaRupiah had to adjust its business model and compliance strategies to meet evolving requirements. Loan Origination & Risk Management – Christine explains how DanaRupiah assesses borrower risk, maintains healthy loan performance, and ensures investor confidence through structured lending practices. DanaRupiah’s Future on Income – Christine reaffirms DanaRupiah’s commitment to Income Marketplace, emphasizing future refinements in risk management and potential expansions.   Tune in for an inside look at DanaRupiah’s evolution, challenges, and plans for the future on Income! Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F

    50 min

  5. 02/21/2025

    Episode 14 I Outlook on 2025

    Key Topics Covered: Growth & Profitability – Income targets €35-40M in AUM for 2025, a key milestone for profitability. Loan Originators & Market Expansion – Plans to onboard six new loan originators, with Kosovo and Lithuania lenders near launch. Expansion into Colombia, Indonesia, Mexico, and the Philippines. Investor Strategy – Income is planning to increase institutional investor onboarding alongside retail investors. Crowdfunding Campaign – Aiming to raise €250K to fund a secondary market, platform improvements, and team expansion. ClickCash Recovery – Income is prepared to bridge payments while ClickCash seeks funding. Regulation – Estonia lacks a framework for Income’s model; alternative licensing in Lithuania is being considered. Execution Focus – The team is set on delivering new features and strategic growth. Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F

    46 min

  6. 01/17/2025

    Episode 13 I Recap 2024

    Opening and New Year Reflections: Recap of holidays and resolutions.  Performance Score for 2024: Kimmo rates the company’s performance 8.5/10, noting significant progress despite narrowly missing the $20M target. Loan Originators and Market Performance: Updates on key lenders like Danarupiah and discussions about regulatory impacts in Indonesia. New Lenders Onboarded: Introduction of Curren Auto, Ibancar, and Sandfield Capital and their impact on Income’s loan portfolio.  Litigation Funding and Product Expansion: Overview of new loan types and the diversification of products to increase investor opportunities. Institutional Investments: Discussion on the significance of securing institutional capital and its future role in platform growth. Interest Rate Trends: Analysis of lower interest rates across the market and how Income plans to maintain competitive yields. Recovery Progress for Click Cash: Updates on recovery efforts and remaining challenges. Milestone Achievements: Reflection on surpassing $100M invested and expectations for continued growth in 2025. Final Thoughts: Kimmo emphasizes 2024 as a year of internal realignment and expresses optimism for 2025. Key Highlights: • Recovery and Growth: 2024 marked significant recovery from a slow 2023, with stronger investor engagement and higher platform activity. • New Product Lines: The introduction of litigation funding loans positions Income to attract diverse lender types. • Institutional Capital: Securing reputable institutional investors validates Income’s credibility and improves outreach opportunities. Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F

    33 min

  7. 12/13/2024

    Episode 12 I Loan Originator Due Diligence

    • Introduction to Maciej Wenerski: • Maciej’s career background, including his time at EY, Aasa Polska, and a Polish tech startup. • His journey to becoming a foundational team member at Income Marketplace. • The Due Diligence Process at Income Marketplace: • Overview of the comprehensive approach to evaluating loan originators. • Key data points analyzed, including repayment history, loan performance, and borrower characteristics. • Explanation of “sanity and completeness checks” to verify the integrity of data provided by loan originators. • Addressing Challenges in Peer-to-Peer Lending: • Regulatory complexities in markets like Poland. • Balancing investor risk with opportunities for growth. • Comparison to Competitors: • How Income’s approach to due diligence and advanced rate calculations provides a unique edge. • Observations on competitor platforms like Mintos. • Favorite Loan Originators: • Maciej highlights his preferred lenders, including ITF from Bulgaria and DanaRupia from Indonesia. • Key Takeaways for Investors: • How the due diligence process protects investor interests. • The importance of transparency and collaboration with loan originators. Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F

    37 min

  8. 11/15/2024

    Episode 11 I Q&A Session

    Episode Highlights: 1. Secondary Market: Addressing the most upvoted community question, Kimmo discusses the prospects for a secondary market on Income Marketplace. He explains that while plans are in place, Income is being cautious to ensure sufficient liquidity before launching. The feature may arrive next year if growth targets are met. 2. Investor Loyalty Program: Denny and Kimmo discuss a possible loyalty program to reward investors with larger portfolios, inspired by successful programs in the industry. While specifics are still in development, the program would aim to encourage and recognize high-level investments. 3. Cashback Campaigns: The team shares their conservative stance on cashback promotions, opting for stable, high yields rather than temporary incentives. However, Kimmo mentions they are open to budget-based incentives that align with Income’s investment strategy. 4. Automatic Monthly Withdrawals: In response to a community question, Kimmo clarifies that Income currently has no plans for an automatic monthly withdrawal feature, as it has not been a widely requested option among investors. 5. Paused Bridge Payments for Click Cash: Kimmo explains the temporary pause on bridge payments to Click Cash, detailing how this decision allows the loan originator to focus on raising funds to cover outstanding debts directly. 6. Auto-Invest Functionality: A question about Auto-Invest performance prompts Kimmo to assure listeners that the feature is working well but could be influenced by user settings or specific loan availability. He encourages investors to reach out if they notice issues. 7. Product Simplification: In response to suggestions for a one-click investment option like Bondora’s Go & Grow, Kimmo shares the legal and technical challenges involved. While they are exploring a user-friendly solution, transparency remains a priority. 8. Server Capacity and Performance: Kimmo addresses concerns about platform speed, noting that performance issues often occur on clearing days due to high system demands. The team is working on improving stability and load handling. 9. Regulatory Changes in Indonesia: New regulations in Indonesia are driving significant changes for loan originators like Danarupiah and Danabijak. Income is working closely with these partners as they transition to offering longer-term loans in response to stricter interest rate caps. 10. Closing Remarks: Kimmo thanks the community for their questions and support, sharing optimism for Income’s future and a hopeful outlook on his health recovery. Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F

    36 min
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About

Welcome to Income Insights, your monthly backstage pass to the Income’s P2P platform. Join our hosts, Income’s founder Kimmo, and Income investor and blogger Denny, as they delve into the heart of the platform, bringing you the latest news, insider angles, and other invaluable insights for investors. Sign up with bonus. https://getincome.com/register?ref_code=R5BE1F For more information, visit: https://getincome.com/blog/podcast/

Information

  • Creator
    Income Marketplace
  • Years Active
    2023 - 2026
  • Episodes
    18
  • Rating
    Clean
  • Copyright
    © 2023 Income Company OÜ
  • Show Website
    Income Insights