66 episodes

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 Manila to Moscow, from Mumbai to Madrid, and from Shenzen to Chicago.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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How to Lend Money to Strangers Brendan le Grange

    • Business
    • 4.6 • 7 Ratings

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 Manila to Moscow, from Mumbai to Madrid, and from Shenzen to Chicago.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
Hosted on Acast. See acast.com/privacy for more information.

    Crypto-backed mortgages, with Phil Blows (ByBrix)

    Crypto-backed mortgages, with Phil Blows (ByBrix)

    In February, I spoke to Phil Blows about backing traditional loans with digital assets. The crypto markets had a rough time in the months that followed, so I wasn’t expecting much progress on that front, but I was wrong. Bull markets are a great time to build, after all.
    So I have Phil back today, talking about ByBrix and their new crypto-backed mortgage offering.
    And sure, to crypto outsiders like me, this might feel like a scary time to be building in this space, but as Phil reminds me, “a lot of these people didn't get into crypto to then move back into fiat, they go into crypto because they think they're going to stay there for the rest of their lives. So it's more that they're dabbling in the world of fiat, but living their lives in crypto.”
    There’s a significant demographic out there who have built wealth in crypto, and would like to keep as much of their wealth there as possible, even as they look to finance a home.
    You can learn more about ByBrix at their home page https://bybrix.io/ (or on their LinkedIn)
    While you can find more on AQRU at https://aqru.io/ (plus Phil has been on before, on episode 29, talking about crypto and AQRU)
    You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect), my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is at https://confirmu.com/ and on episode 24 of this very show https://www.howtolendmoneytostrangers.show/episodes/episode-24
    If you have any feedback or questions, if you would like to participate in the show, or if you'd like to find full written transcripts with timestamps head on over to HowtoLendMoneytoStrangers.Show
    Regards,
    Brendan

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    • 19 min
    The service is the collateral, with Neel Juriasingani (Datacultr)

    The service is the collateral, with Neel Juriasingani (Datacultr)

    "It was, at that time, a very crazy idea", Neel Juriasingani tells 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, means we could be using them for far more than data transfer. And maybe we just needed someone from the Telco industry to open our eyes to that.
    Neel and his team at Datacultr have optimised the smartphone as a contact tool, even when they're outside of network range, to create as many opportunities to engage with a customer as possible, and in a language that they understand. They're even able to turn phone service into virtual collateral if that's what's needed to secure a loan for the most underserved and underbanked populations.
    More on Datacultr can be found at https://datacultr.com/ (or find their Fintech50 recognition at https://www.inclusivefintech50.com/2021-cohort)
    If you'd like to learn more about their model, or if you'd like to maximise the risk-reduction potential of your customers' smartphones, Neel can be reached for discussions via neel@datacultr.com.
    You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect), my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is at https://confirmu.com/ and on episode 24 of this very show https://www.howtolendmoneytostrangers.show/episodes/episode-24
    If you have any feedback or questions, if you would like to participate in the show, or if you'd like to find full written transcripts with timestamps head on over to HowtoLendMoneytoStrangers.Show
    Regards,
    Brendan

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    • 29 min
    Explainable AI and a new style of credit bureau, with Evan Chrapko (Trust Science)

    Explainable AI and a new style of credit bureau, with Evan Chrapko (Trust Science)

    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 in our chat, your first port of call for further information is https://www.trustscience.com/ (though they are also on LinkedIn at https://www.linkedin.com/company/trust-science/)
    Or you can jump straight to the news articles about their work https://www.trustscience.com/articles-page (including the Mail and Globe article we spoke about)
    Evan was also recently at LendIt USA, and you catch a video clip behind the scenes here: https://www.youtube.com/watch?v=34PrP7Ak4aw
    You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect), my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is at https://confirmu.com/ and on episode 24 of this very show https://www.howtolendmoneytostrangers.show/episodes/episode-24
    If you have any feedback or questions, if you would like to participate in the show, or if you'd like to find full written transcripts with timestamps head on over to HowtoLendMoneytoStrangers.Show
    Regards,
    Brendan

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    • 41 min
    Lending in frontier segments, with Todd Kleperis (Payzel)

    Lending in frontier segments, with Todd Kleperis (Payzel)

    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, and are offering banking and funding to cannabis businesses, both startup and established. More on Payzel can be found at https://payzel.com/ or on LinkedIn at https://www.linkedin.com/company/river-florida/
    And it turns out, cannabis isn't the only industry considered too risky to touch, so Payzel have expanded into other frontier market spaces. The Sea Pods we spoke about have just been launched this week, so head over to https://oceanbuilders.com/ for some modern living design inspiration
    You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect), my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is at https://confirmu.com/ and on episode 24 of this very show https://www.howtolendmoneytostrangers.show/episodes/episode-24
    If you have any feedback or questions, if you would like to participate in the show, or if you'd like to find full written transcripts with timestamps head on over to HowtoLendMoneytoStrangers.Show
    Regards,
    Brendan

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    • 25 min
    The future of South African banking is open, with Nick Tuttelberg (DirectID)

    The future of South African banking is open, with Nick Tuttelberg (DirectID)

    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 to generate and leverage data. But it seems the concept is still misunderstood in some sectors, so Nick and I take a step back and look at how a market like South Africa could benefit from encouraging Open Banking.
    As we mention in our chat, this is the second time I have interviewed someone from DirectID, so if you’d like to deeper dive into the company and its mission, you can listen to my chat with its founder, James Varga, in episode 36 of this show: https://www.howtolendmoneytostrangers.show/episodes/episode-36
    But you can learn more about DirectID on their (recently redesigned and now looking very lovely) homepage https://www.direct.id/ or via LinkedIn
    LinkedIn is also a good place to find Nick if you’d like to start your own Open Banking journey, he’s here: https://www.linkedin.com/in/nicholas-tuttelberg-87bb0628/
    You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect), my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is at https://confirmu.com/ and on episode 24 of this very show https://www.howtolendmoneytostrangers.show/episodes/episode-24
    If you have any feedback or questions, if you would like to participate in the show, or if you'd like to find full written transcripts with timestamps head on over to HowtoLendMoneytoStrangers.Show
    Regards,
    Brendan


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

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

    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 learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect), my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is at https://confirmu.com/ and on episode 24 of this very show https://www.howtolendmoneytostrangers.show/episodes/episode-24
    If you have any feedback, questions, or if you would like to participate in the show, please feel free to reach out to me via the HTLMTS.show page
    Regards,
    Brendan



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    • 19 min

Customer Reviews

4.6 out of 5
7 Ratings

7 Ratings

Shane Coomber ,

Excellent!!!

Professional and insightful!!!

Mark McChlery ,

Super informative

Easy listening and easy learning

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