Peter Renton Peer To Peer Lending Expert public
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Fintech is eating the world. Join Peter Renton, Co-Founder of LendIt Fintech, every week as he interviews the fintech leaders who are leading the transformation of financial services. If you want to understand what the future will look like for lending, payments, digital banking and more tune in to Fintech One•On•One (formerly the Lend Academy Podcast).
 
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show series
 
The employer-employee relationship is undergoing a shift. We are moving away from the days where an employer provided a paycheck and just a handful of benefits like health insurance and retirement plans. Employers are starting to think more holistically about their employees’ financial health. There is a realization that employees who are not finan…
 
The employer-employee relationship is undergoing a shift. We are moving away from the days where an employer provided a paycheck and just a handful of benefits like health insurance and retirement plans. Employers are starting to think more holistically about their employees’ financial health. There is a realization that employees who are not finan…
 
The underserved are having a moment. And it is about time. There are more fintech companies targeting the non-prime community than ever before with better and less expensive products. The revolution in technology and data access is enabling fintech companies to go deeper into the underserved population than ever before. Our next guest on the Fintec…
 
The underserved are having a moment. And it is about time. There are more fintech companies targeting the non-prime community than ever before with better and less expensive products. The revolution in technology and data access is enabling fintech companies to go deeper into the underserved population than ever before. Our next guest on the Fintec…
 
You have probably heard the terms DeFi, which is an abbreviation for Decentralized Finance and NFTs, meaning Non-Fungible Tokens. They have been covered in the news a great deal in the past month or more. So, I wanted to do an episode where we do a deep dive into these topics to find out not just what they are but what they might mean for the futur…
 
You have probably heard the terms DeFi, which is an abbreviation for Decentralized Finance and NFTs, meaning Non-Fungible Tokens. They have been covered in the news a great deal in the past month or more. So, I wanted to do an episode where we do a deep dive into these topics to find out not just what they are but what they might mean for the futur…
 
The way the basic checking account is constructed has not changed in decades. Your money is kept on a bank’s balance sheet and the bank lends this money out and they make money on the spread. Obviously, I am simplifying here because banks use leverage on these deposits to lend out multiples of this money. But the core system has remained unchanged.…
 
The biggest decision in anyone’s life is the decision to start a family. For the growing segment of the population that can’t do so naturally there is, of course, fertility treatments. Now, this is an exciting, scary and often heart wrenching time. And for many people the financial burden for these treatments is too much to handle on their own and …
 
Just a heads up that we have rebranded the podcast. From now on we are calling the show Fintech One•On•One, it better reflects what we are trying to do here. That is, one-on-one conversations with fintech leaders. While lending is still important to us, we cover most verticals within fintech and so we now have a name that reflects this broader scop…
 
The Buy Now Pay Later (BNPL) space is probably the hottest vertical in all of fintech. Consumers like the flexibility of paying for their purchases over time and it was why some of the leading companies in the space attract such incredibly high valuations. Now, most of the BNPL players are focused on extending new credit to consumers but there is o…
 
Many fast growing companies today look to equity to fund that growth, whether it is angel money, VCs or the public markets. But equity should not be the default capital choice, it is expensive and often not necessary. Many times debt capital can provide a more optimal solution, one that helps the company maintain fast growth while the founders do n…
 
Most countries in the world today have some kind of centralized repository for credit data. But this data exists in silos, cut off from the rest of the world. For immigrants moving to a different country this has been a real problem. A doctor with a 20-year credit history earning $250,000 a year in, say, Australia is treated as a thin file/no file …
 
Today, we are talking about earned wage access again. I am a big fan of this product and it is getting serious traction today. As I recently shared regulators are also paying attention and that is a good thing as the industry. As you will learn in this episode millions of people are now relying on this product to become more financially healthy. Ou…
 
PACE (Property Assessed Clean Energy) loans have been around for more than a decade but occupy a relatively narrow niche in the lending ecosystem. The legislation varies by state but PACE loans can be used to finance energy efficiency projects such as solar panels, new boilers, insulation and more. The borrower does not repay the lender directly bu…
 
Impact investing is having a moment. While it has been around in some form for several decades, today, many large and small investors are demanding that their money do more. They don’t just want to make an impact investment, they want to see exactly how they made an impact, in a measurable way. Our next guest on the Lend Academy Podcast is Catherin…
 
Those businesses that make physical products always have the same challenge. They typically have to pay for their inventory before they receive revenue from selling it. This is a balancing act that requires a financial partner and businesses have used a variety of different financing sources, both traditional and fintech. But there has never been a…
 
In 2020 for banks and credit union all roads led to digital. The pandemic caused something of a stress test on digital offerings for financial institutions of all sizes. Pretty much everyone saw digital adoption far exceed expectations in several categories. Today, we are going to look at what it meant for one of the country’s largest credit unions…
 
Most U.S. debt investors pay only scant attention to emerging markets. While some are moving into Latin America most are happy to stay in the comfortable confines of the USA and Europe. But some of the best opportunities are in emerging markets today, those markets that do not yet have much of an institutional investor presence. Our next guest on t…
 
The rallying cry of the online lending industry has been to eliminate high cost credit card debt. And while tens of billions of dollars of revolving credit has been refinanced with lower cost personal loans we are starting to see some companies branch out into credit cards. Avant is one such company. Our next guest on the Lend Academy Podcast is Ja…
 
For young adults just starting out in life or immigrants arriving to this country, there is no clear path to establishing a credit history. I know for myself, arriving in this country 29 years ago, I was rejected for a $500 credit limit card time and time again. For many people it is a catch-22, you can’t get credit because you have no credit histo…
 
Mike Cagney has built a reputation as one of the smartest people in all of fintech. His capacity to raise capital is unparalleled in our space but he is also a visionary who is tackling some of the biggest fintech challenges. Back for the third time on the Lend Academy Podcast, and his first time as the Figure CEO, Mike Cagney describes several dif…
 
The way we move money around the world has, for the most part, not changed much in many decades. But real change is on the horizon and it is actually already happening. Many companies are reimagining this challenge in new ways and by the end of the decade moving money internationally will likely be as easy as sending an email. Our next guest on the…
 
The small dollar lending space is starting to see some real innovation. After banks have basically ignored this population for years, with the gentle push from regulators, some are now entering the space for the first time. One of the companies that is helping to enable this shift is OppLoans. Our next guest on the Lend Academy Podcast is Jared Kap…
 
Latin America remains one of the hottest region of the world when it comes to fintech. It is a large market that is still relatively undeveloped and so offers more opportunities than most places on earth. It is also the home of the largest fintech company in the world (outside of China), as far as number of customers go at 30+ million, I am talking…
 
The regulatory system under which the financial system operates is exceedingly complex. This is understandable given mow important finance is to people’s lives. But the way we have implemented regulations has only changed incrementally over the last few decades while technology has completely transformed the financial system. Addressing this challe…
 
There has been a great deal of innovation in digital banking for consumers with dozens of fintech companies providing digital bank (or bank-like) accounts that are so much better than what was available five or ten years ago. But the same cannot be said for small business bank accounts where there are very few offerings. Our next guest on the Lend …
 
The low and middle income consumer has been struggling for decades. And while the pandemic has made things a lot worse there is a great deal of work being done to try to improve their situation. One of the key pieces is savings, as a country we simply do not save enough. Our next guest on the Lend Academy Podcast is working hard to help. Tim Flacke…
 
This year the world has moved online. But it is not just consumers that have made this move, it is the fraudsters as well. They have taken advantage of a dislocated business environment without historical precedent to wreak havoc. To fight these fraudsters you need ever more sophisticated tools. Our next guest on the Lend Academy Podcast is Arjun K…
 
The point of sale financing space is one of the hottest niches in all of fintech. While most of the attention has gone to the retail “buy now pay later” space what is growing almost as fast is the solar financing sector. With only 2% of homes currently having solar panels and with the cost continuing to go down this is clearly going to be a growth …
 
The pandemic has touched all niches within lending but there has been a wide disparity on the impact on individual platforms. In the fix and flip lending space originations went to virtually zero fairly quickly and have been slowly climbing the last several months. Our next guest on the Lend Academy Podcast is Allen Shayanfekr, the CEO and co-found…
 
The pandemic has had more impact on small business lending than probably any other vertical. While the PPP enabled many lenders to continue to lend and therefore stay in business that is now history. What the pandemic also did was that it demonstrated how robust lenders underwriting models were. This crisis has not effected all lenders equally with…
 
Every year in the lead up to our biggest show we provide a deep dive into what to expect with our LendIt Fintech USA preview show. I chat with my colleagues Bo Brustkern, CEO, and Todd Anderson, Chief Product Officer of LendIt Fintech about all the components of the eighth annual event which also happens to be our first ever virtual show. The best …
 
One of the challenges that has plagued consumer lenders over the years is that when times get difficult some consumers do much better than others. There are even large variances in people who have the exact same credit score. There are lots of ways to get a 680 credit score and these people will all behave in a similar way when economic conditions …
 
We have seen big changes in the payments landscape this year. Technologies such as contactless payments have seen five years of growth in just the last six months. Companies that didn’t have a large digital footprint before the pandemic suddenly realized they had to adapt, and fast. This is where today’s guest comes in. Our guest on the Lend Academ…
 
We have seen many companies in fintech branch out into adjacent areas of finance as they add product lines to bring more opportunities for their customers. But rarely, if ever, have we seen fintech companies look outside of finance completely when adding to their product mix. Our next guest on the Lend Academy Podcast is Sergio Furio, the CEO and F…
 
It is a conundrum for every online lender. Why is it that such a small percentage of the borrowers who start at the top of the marketing funnel make it all the way through the online journey? And then a portion of those that do complete the journey are fraudsters. Our next guest on the Lend Academy Podcast has made it his mission to help solve thes…
 
Mexico is becoming a hotbed of fintech innovation. The second largest economy in Latin America has seen a wave of innovative fintech companies launch in the last five years and fintech investors are taking notice. There is more VC money available today in Latin America than ever before which means the leaders in the industry are becoming almost as …
 
In fintech today many companies are expanding beyond their core product as they seek to serve their target market with more and better products. What we are seeing is companies embracing all forms of digital banking as they expand their focus. Our next guest on the Lend Academy Podcast is Andy Rachleff, the CEO and Co-Founder of Wealthfront. Wealth…
 
There never been an environment like this for consumers. Even with some government assistance many people are struggling like never before, struggling to pay their rent, put food on the table and to pay back their loans. There are resources all over the country to help people in need but sadly not enough people know about them. Our next guest on th…
 
The last financial crisis ushered in the Dodd-Frank Act and with that the Consumer Financial Protection Bureau (CFPB). The CFPB had a mandate to protect consumers from financial harm but it has not been without controversy. Our next guest on the Lend Academy Podcast is none other than Rich Cordray, the first Director of the CFPB from 2012 through t…
 
There are many areas of finance that are really stepping up during the crisis. We have talked at length about the fintech lenders that helped drive billions of dollars to small businesses through the PPP. In this episode we talk about impact investors and the outsized role they can play today. Our next guest on the Lend Academy Podcast is Jacob Haa…
 
Today, it is becoming relatively easy for non-financial services firms to add financial products as a new offering for their customers. We call this embedded finance where the product is embedded into a company’s full suite of offerings. We have seen this happen rapidly at scale with the Paycheck Protection Program (PPP). Our next guest on the Lend…
 
The mortgage industry has been through a lot this year. From a liquidity crunch to booming demand to record low rates along with mandatory work from home orders and digital closings. Many mortgage lenders have struggled to adapt to this new normal amid record loan demand. Our next guest on the Lend Academy Podcast is Vishal Garg, the CEO and founde…
 
In fintech today there is one company powering payments behind the scenes that few people had heard of until this past year. But they are the backbone behind 95% of digital banking activity today in this country. Our next guest on the Lend Academy Podcast is Clay Wilkes, the CEO of Galileo Financial Technologies. Through their APIs Galileo is power…
 
Historically, sending wires is one of the more painful tasks that any business has to do. It has usually involved going to a physical bank branch, filling out paper forms and waiting while the banker processes the wire. Not surprisingly, fintech has attacked this inefficient process. Our next guest on the Lend Academy Podcast is Marwan Forzley, the…
 
Small business owners have always struggled to get access to capital. And while fintech has made a big difference, for many in the Latinx community it remains a serious struggle. This struggle is something the next guest on the Lend Academy Podcast knows all too well. Sean Salas is the CEO and Co-Founder of Camino Financial, a fintech lender pionee…
 
The small business lending space continues to focus on the Paycheck Protection Program. But as this program winds down, it is legislated to end on June 30, what happens next for the small business lenders? Our next guest on the Lend Academy Podcast is a fintech industry veteran. Rohit Arora is the CEO and Co-Founder of Biz2Credit, a small business …
 
It is often said in the lending business that it is easy to loan money out, the difficult part of trying to get it back. And in challenging times, like we are living in now, that job becomes even more difficult. So, I thought it was time we talked about strategies for collecting money in tough economic conditions. Our next guests on the Lend Academ…
 
In today’s world to build a success intermediary business you have to be able to add obvious value to the consumer. While some consumers are happy to shop around for the best deal many want someone else to do the legwork for them. And if that legwork guarantees them the best deal then you can build a successful business. Our next guest on the Lend …
 
Raising capital for non-bank lenders is a time-intensive endeavor and the same could be said for investors deploying capital on these platforms. It would be better if there was an intermediary between these two parties that could make this whole process more efficient. Our next guest on the Lend Academy Podcast recognized this problem and did somet…
 
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