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Best peter renton peer to peer lending expert podcasts we could find (Updated October 2019)
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LendIt Fintech News: Daily Coverage of Fintech & Online Lending
 
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LendIt Fintech News: Daily Coverage of Fintech & Online Lending
 
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Today, there are plenty of fintech companies with both strong balance sheets and a desire to get a banking license. Several have announced they are starting down the process of applying for some kind of bank charter. But there is another alternative that we have not yet seen in this country. And that is for a fintech company to acquire a bank. ...…
 
Today, there are plenty of fintech companies with both strong balance sheets and a desire to get a banking license. Several have announced they are starting down the process of applying for some kind of bank charter. But there is another alternative that we have not yet seen in this country. And that is for a fintech company to acquire a bank. ...…
 
There is a new breed of fintech company today that is adding customers by the millions by providing simple financial tools that people actually want and use. These are mobile-first offerings that have deep engagement with their loyal customer base. Our next guest on the Lend Academy Podcast is the CEO of possibly the fastest growing of this new ...…
 
There is a new breed of fintech company today that is adding customers by the millions by providing simple financial tools that people actually want and use. These are mobile-first offerings that have deep engagement with their loyal customer base. Our next guest on the Lend Academy Podcast is the CEO of possibly the fastest growing of this new ...…
 
Neil Roberts (left) and David Stevens of Harmoney It is not easy to scale a marketplace lending business in a market the size of New Zealand, which has fewer people than Colorado. But Harmoney, the first peer to peer lender to be licensed in New Zealand, has originated more than NZ$1 billion in loans since launching five years ago. Our next gue ...…
 
For an industry to be taken seriously in Washington it needs a strong and vibrant trade association. The Marketplace Lending Association (MLA) was formed back in 2016 with LendingClub, Prosper and Funding Circle as its founding members. Our next guest on the Lend Academy Podcast is Nat Hoopes; he is the executive director of the MLA, a position ...…
 
Roughly half the US population lives paycheck to paycheck and throughout the year they often run out of money between these paychecks. So, they resort to payday loans or overdrafts and often pay late fees as well. This costs this population hundreds or even thousands of dollars per year. There is a better solution that is starting to gain tract ...…
 
One of the things the last couple of years has taught us is that, while the value of cryptocurrencies can be exceeding volatile, they have staying power. While no one can predict the future price of bitcoin or other crypto they are becoming an asset class in their own right. As this niche industry matures there becomes a need for a broader arra ...…
 
Point of sale lending in physical stores has been around for decades, even centuries. But the process has never been a trivial task, it has usually involved filling out a long form answering dozens of questions. And after all that the would-be borrower is often rejected. Thankfully, fintech is providing a better way. Our next guest on the Lend ...…
 
There are several fintech companies attacking different parts of the real estate market in the UK. Despite the challenges surrounding Brexit this is still and vibrant and healthy market. The fintech leader in what is called the “buy-to-let” segment is Landbay. They began lending in 2014 and just recently closed a $1 billion funding commitment f ...…
 
When you think of cutting edge cryptocurrency technology you generally don’t associate it with small business lending. Even the new fintech lenders that are doing really innovative work in small business lending have tended to stay away from crypto. But our next guest on the Lend Academy Podcast has combined these two niches into a successful c ...…
 
We last had Al Goldstein, the CEO and Chairman of Avant and Amount, on the show back in 2015. So much has changed since then not just in the personal loan space but in the banking space as well. And Avant has evolved to meet those challenges. We spend a lot of time in this episode discussing Amount, their banking-as-a-service offering, which wa ...…
 
One of the things that has been lacking in the fintech space is an independent research organization that conducts deep dives into topics that would be of interest to regulators and lawmakers. We now have one such company and they have just completed their first research report. Our next guest on the Lend Academy Podcast is Melissa Koide, the f ...…
 
Identity verification has been around for decades, ever since the advent of the driver’s license and social security cards. But in the digital age where anyone has the ability to conduct financial transactions remotely it has become more challenging. And with all the data breaches that have been happening today companies are less secure in thei ...…
 
The fintech space has done a decent job of helping small businesses get more access to capital. Obviously, there is more work to do there but the situation is much better than what it was a decade ago. But for growth companies looking to borrow more than $500,000 good fintech-based options are still lacking. My next guest on the Lend Academy Po ...…
 
The large credit bureaus do an excellent job of aggregating data and providing credit scores for the majority of the population. But there are still tens of millions of people who remain unscored and one credit bureau is doing their best to try to change that. My next guest on the Lend Academy Podcast is Alex Lintner, Group President of Experia ...…
 
The current system of identity verification is broken. With so many data breaches happening today most of our personal information is readily available on the dark web. We can no longer truly rely on any personal information as a way to verify identity. A completely new system is needed. Our next guest on the Lend Academy Podcast is Husayn Kass ...…
 
There is an interesting juxtaposition in Africa. On the one hand you have incredibly successful mobile payment initiatives like M-Pesa in Kenya and Paga in Nigeria. On the other hand you have most of the 1.1 billion people that are incredibly underserved when it comes to financial services. Small business funding may be one of the most underser ...…
 
Before there was such a thing as fintech, before peer to peer lending was invented, a group of young executives had the crazy idea to start an eBay for money in the UK. Originally named Rialto (a bridge linking two market squares in Venice) the company that would become Zopa needed to raise some money in early 2004. Our next guest on the Lend A ...…
 
Short term lending has a bad reputation in some circles, often deservedly so. But there are tens of millions of consumers in middle America who are non-prime but still have credit needs. They don’t qualify for a loan at any of the prime online lenders like LendingClub, Prosper or Marcus. So where do they go? We don’t want them going to a payday ...…
 
Banking as a service is a concept that is still in its infancy. There are a few companies today offering different white label services for banks and even consumer brands to enable them to offer different banking services. BankMobile has put their stake in the ground here with their fascinating new partnership with T-Mobile. The next guest on t ...…
 
Small businesses across the country are still not getting all the capital they need. Many small business owners do not see banks as a viable funding alternative either from a time or ease of use perspective. So, they are turning to online lending platforms in record numbers. When it comes to longer term (three to five years) loans the online le ...…
 
A travesty of today’s financial system is how easy it is to launder money. Despite billions of dollars in expense and tens of thousands of people attacking this problem banks stop around 1% of money from financial crime. Incremental change is not going to help here, we need a new approach. Our next guest on the Lend Academy Podcast is Charlie D ...…
 
It is one of the great challenges of our time. Despite low unemployment and a booming economy there is still a large sector of the population that is struggling financially. As I wrote earlier this week there is a new breed of entrepreneurs attacking this problem but they need significant amounts of capital to get off the ground. Our next guest ...…
 
The CEO and Founder of NerdWallet talks fintech, consumer finance and the changes that are coming Ten years ago there was nowhere to go to compare consumer finance products via an independent site. Whether it was credit cards, personal loans, saving accounts you were pretty much on your own when it came to research. Today it is very different. ...…
 
The CEO and Co-Founder of LendStreet talks financial health with a new approach to debt settlement The debt settlement space has not had a great reputation. But there are situations where it truly is the best option for consumers who are in over their heads financially. But for consumers going through the debt settlement process it can be long ...…
 
The fintech world will be gathering in San Francisco next week for LendIt Fintech USA 2019. To help you navigate the show I chatted with my two LendIt colleagues, Todd Anderson and Ryan Lichtenwald, who have been working with me for the past several months on the agenda for the show. We cover the different components of the show and share how t ...…
 
SoFi is certainly one of the more interesting companies in fintech. They started life focused on student loan refinancing, a category they invented back in 2011, but have morphed into what is the most diversified company in all of fintech. They have not just moved into other areas of lending, they have moved quite aggressively into many complet ...…
 
Much has been written about machine learning and the impact it will have on the future of finance. But when it comes to credit one of the challenges with implementing machine learning models has been explainability. You have to be able to explain to a rejected borrower why they were denied credit. Our next guest on the Lend Academy Podcast is D ...…
 
The gig economy workforce is becoming larger all the time and is expected to become 50% of all workers by 2027. Yet the traditional financial system works best for the W-2 worker, someone who has a full time job. That obviously needs to change. Our next guest on the Lend Academy Podcast is someone who is trying to fix this problem. Johnny Reins ...…
 
Small businesses are the backbone of this country and no one has done more to support them than our next guest on the Lend Academy Podcast. Karen Mills has been a venture capitalist for many years and was the head of the Small Business Administration in the Obama Administration from 2009-2013. So, she had a first hand view on how the financial ...…
 
The credit card space is ultra competitive. There are literally thousands of different card offerings for consumers today. It is a mature space but also one where that has not been a great deal of innovation, particularly when it comes to the non-prime consumer. Our next guest on the Lend Academy Podcast is Jason Gross, the CEO and Co-Founder o ...…
 
Artificial intelligence is one of the most hyped areas of technology today particularly when it comes to finance. But there are some companies using AI to really improve financial services today and our next guest on the Lend Academy Podcast is one such company. Zor Gorelov is the CEO and Co-Founder of Kasisto, the leading conversational AI pla ...…
 
For many people the mortgage application process is the most stressful of all financial transactions. It is fraught with challenges and obstacles as lenders often require a huge amount of documentation before approving a loan. But this cumbersome process is slowly changing as fintech companies address mortgage lending head on. Our next guest on ...…
 
The student loan refinancing space didn’t exist 10 years ago. Now, with the outstanding total of student loans reaching $1.5 trillion, tens of billions of student loans have been refinanced in the past decade saving students hundreds of millions of dollars in interest. Our next guest on the Lend Academy Podcast is Susan Ehrlich, the CEO of Earn ...…
 
The marketplace lending industry began with personal loans and it is still our biggest vertical when it comes to loan volume. Much of this volume has actually gone to consolidate credit card debt. Which is one of the reasons why many companies look to the credit card industry for expertise. Our next guest on the Lend Academy Podcast has taken t ...…
 
We often discuss banks and how they are partnering with fintechs and incorporating new technology into all areas of their operations. But credit unions are interested in many of the same initiatives. And because they often have very tight communities credit unions provide a really interesting use case for fintech. The next guest on the Lend Aca ...…
 
Most fintech companies are focused on lending, payments, financial management or some kind of back office tech. There are very few companies focused on the income side of the equation, particularly when it comes to helping people maximize their earnings from a second job. Our next guest on the Lend Academy Podcast is Adam Roseman, the CEO and C ...…
 
Machine learning in underwriting is all the rage today and has been now for a couple of years. But the first online lender to really hang their hat on this technology is Upstart. It is core to their business and it is why they applied for and received a no action letter from the CFPB back in 2017. Our latest guest on the Lend Academy Podcast is ...…
 
Since the invention of the FICO score, when it comes to building credit there has been a real chicken and egg problem. It is difficult to obtain credit unless you have already established a decent credit score. Despite all the advances in fintech this is a problem that has remained largely unsolved. Our next guest on the Lend Academy Podcast ha ...…
 
For decades community banks have been the lifeblood of small towns across America. Almost by definition they are closer to their communities than large banks or even fintech platforms. And while they don’t have the technology budgets of large banks they are acutely aware of the need to adapt to the changing needs of their customers. Our next gu ...…
 
Consumers want control over their personal data, particularly their sensitive financial data but at the same time they want seamless integration when they connect their bank account to a budgeting or financial management tool. Making these two, often opposing wants, work is the job of our next guest on the Lend Academy Podcast. Lowell Putnam is ...…
 
The securitization industry has yet to really be disrupted. It operates basically the same way it did a decade or even two decades ago. But that may be about to change. Today, there are some fintech companies looking to bring the entire securitization process on to the blockchain to reduce cost and increase transparency. One such company is Glo ...…
 
Quickbooks has been synonymous with small business accounting for several decades now. But they recently launched Quickbooks Capital to provide their small business customers with an easy and transparent way to borrow money. Our next guest on the Lend Academy Podcast is Rania Succar. She was hired away from Google to head up this new Quickbooks ...…
 
In the UK, Barclays is one of the “big four” banks with more than £1 trillion in assets. MarketInvoice is the leading fintech company that specializes in invoice finance, and though it is relatively large it will only lend around £1 billion this year. Despite the difference in size, or maybe because of it, Barclays sought out MarketInvoice when ...…
 
Despite the growth of the personal loan business, and in particular debt consolidation loans, the total amount of outstanding credit card debt keeps rising and is now well over $1 trillion. We need more creative ways to solve this problem. Our next guest on the Lend Academy Podcast has taken a unique approach to credit card debt. Jason Brown is ...…
 
The most downloaded episode of the Lend Academy Podcast in 2015 was my discussion with Kathryn Petralia, the Co-Founder and President of Kabbage. That was more than three years ago and a lot has changed at Kabbage and in the industry since then. Kabbage is one of the leading small business lenders in the country and they have been on the cuttin ...…
 
While the non-prime consumer lending space is less competitive than prime there are many companies doing interesting things. We heard the recent news of US Bank entering the space and just today I read that the CFPB intends to change the rules for payday lenders in the new year. It is certainly a dynamic space that will be going through lots of ...…
 
Investing in real estate has been around for centuries but it is only in the past few years that it has become possible to do this remotely and at scale. While institutional investors have had lots of options individual investors have been limited, for the most part, to buying homes in their local area. Our next guest on the Lend Academy Podcas ...…
 
There are many VC firms investing in fintech today but most are based in the US or Europe. Our next guest on the Lend Academy Podcast runs a different type of fund that has its origins in China. Anju Patwardhan is a Managing Director of the CreditEase Fintech Fund, which has quietly become one of the leading VC firms globally focused on fintech ...…
 
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