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How to Lend Money to Strangers

How to Lend Money to Strangers

Brendan le Grange

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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Goodpods has curated a list of the 10 best How to Lend Money to Strangers episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to How to Lend Money to Strangers for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite How to Lend Money to Strangers episode by adding your comments to the episode page.

No good deed goes unpunished and no well-intentioned government loan program goes undefaulted upon, even more so when that government program was designed and implemented in the chaotic early days of the COVID lockdowns.


We've all seen the headlines, but what do the numbers say, what sort of businesses have been defaulting on COVID loans in the UK? Well, Dr Maurizio Fiaschetti is writing the paper on it - along with Drs Ahmed Barakat, Meryem Duygun, Eddie Gerba (PhD), Tian Han, Enrico Onali, Afshin Sabri, Mike Tsionas and Huamao Wang - so I sat down with him to learn more.


You can reach out to Maurizio at https://www.linkedin.com/in/maurizio-fiaschetti-6979073/ to learn more about the research and the publication schedule


If you're interested in studying further at UCL, or indeed in reading their research, you can find the Institute of Finance & Technology at https://www.ucl.ac.uk/institute-finance-technology/ucl-institute-finance-technology


And they're also on LinkedIn (https://www.linkedin.com/company/ucl-institute-of-finance-and-technology/)


Surprise, surprise, LinkedIn is also where you'll find me, and when you do, send me a connection request: https://www.linkedin.com/in/brendanlegrange


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


I met Maurizio while in Edinburgh at the 18th meeting of the Credit Scoring and Credit Control Conference - the next one is in two years' time and it’s well-worth planning for. In the meantime, follow the CRC’s work at https://www.crc.business-school.ed.ac.uk/home


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.

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How to Lend Money to Strangers - Cross-border BNPL in Brazil, with Vinícius Vieira (BEXS)
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09/07/23 • 22 min

The Fifa World Cup is the biggest prize in football. So, about ten years ago now, the world's best men's team headed to Brazil with glory on their minds, but it wouldn't be easy: home to loud and loyal fans of the sport's most storied national team, winning in Brazil would take a monumental effort. In fact, many thought it would be impossible. Global lenders know the feeling. Home to half of the people in South America, the Brazilian market is oh so tempting, but oh so hard to break into. But not impossible. Like Germany ten years ago, if you play it right, you can win.


In today's episode, I'm speaking to Vinícius de Andrade Vieira, Head of Business Development at BEXS - connecting Brazil to the world through a digital platform with payment and exchange solutions. We chat about fintech and BNPL in Brazil, the growing global trade, and how international companies can crack the market.


Bexs is over at: https://www.bexs.com.br/


Vinicisu is on LinkedIn at: https://www.linkedin.com/in/viniciusdeandradevieira/


And I' writing this from the airport, having lost track of the day in the pre-holiday chaos 😳 You can also find and follow me on LinkedIn (or connect) at: www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=brendanlegrange


Otherwise, 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, 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.


Regards, Brendan



Hosted on Acast. See acast.com/privacy for more information.

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How to Lend Money to Strangers - Advanced analytical models, with Dr Joseph Breeden (Deep Future Analytics)
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08/31/23 • 31 min

Dr Joseph Breeden is an entrepreneur and a researcher. or perhaps I should describe him as an entrepreneur and a discoverer, so keen is his curiosity. And, with 30 years spent at the sharp point of credit analytics innovation, he is also a fantastic speaker on some of the most important topics of the day: machine learning, AI, and managing economic cycles among others. In fact, just yesterday, he delivered a phenomenal keynote address on the topics at the Credit Scoring and Credit Control Conference in Edinburgh.


I was there, but if you weren't, don't worry, we have those insights and more on today's episode of HTLMTS.


Deep Future Analytics is at home on the internet at: https://deepfutureanalytics.com/


Joseph himself can be found on LinkedIn, https://www.linkedin.com/in/josephlbreeden/, or, if it is his research you're after, the root to all of that starts here: https://www.researchgate.net/profile/Joseph-Breeden


Not content with just that, Jospeh is also the associate editor of two journals you may want to add to your reading list: https://www.risk.net/journal-of-risk-model-validation and https://www.risk.net/journal-of-credit-risk


Oh, and his work on forecasting the auction prices of fine wine can be found here: https://auctionforecast.com/


As mentioned, yesterday saw Joseph on the stage at a packed Credit Scoring and Credit Control Conference in Edinburgh, delivering the opening keynote. It's an exceptional event for those in the industry and while you're busy missing this year's edition, it will be back in two years https://www.crc.business-school.ed.ac.uk/conferences


You can also find and follow me on LinkedIn (or connect) at: www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=brendanlegrange


Otherwise, 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, 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.


Regards, Brendan



Hosted on Acast. See acast.com/privacy for more information.

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How to Lend Money to Strangers - Opening a beer faster, with Oli Tomson (Era)

Opening a beer faster, with Oli Tomson (Era)

How to Lend Money to Strangers

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03/06/23 • 24 min

This is a special episode for two reasons: (1) it is my long-awaited debut in Australia, a market that's slipped through the gaps for too long on this show, and (2) it's a birthday bonus episode. Well, no, actually, it's actually special for three reasons, because it is also a story about taking chances. First, someone had to take a chance on Oli, when he was a restaurant manager looking for a change into credit risk management. Then Oli had to take a chance on a restaurant of his own, when he was looking for a change out of credit risk.


Oli is now at ERA, which you can read about here https://era.bar/ and if you're in Brisbane, book yourself a table (they're at 3/75 Redcliffe Parade, Redcliffe, QLD 4020)


You can read more about the fight to save Suttons Beach Pavillion here: https://www.abc.net.au/news/2022-05-29/qld-redcliffe-sutton-beach-pavillion-rally/101106584


On a happier note, Oli wants you to visit Tasmania, if you agree check this out: https://www.discovertasmania.com.au/


And you'll have heard about Oli's fantastic wine guy, he's at http://www.thewinetradition.com.au/#/home or if beer is more your thing, he also gave shout outs to https://www.catchmentbrewingco.com.au/, https://www.bentspokebrewing.com.au/pages/beer-core-range, and https://yourmatesbrewing.com/products/larry


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 contact page on my site: https://www.howtolendmoneytostrangers.show/contact-us


Regards, Brendan



Hosted on Acast. See acast.com/privacy for more information.

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I'm almost old enough to start voicing opinions about youngsters needing to cut their hair and get themselves some jobs. Which is convenient, because that's sort of what we're talking about today with Ethan Fraenkel from ProGrad - a UK-based fintech that's taking an objective-first approach to improving student financing.


"You're not looking for car financing, you're looking to buy a car, you're not necessarily looking for credit, you're you're looking to make a purchase, you're not looking for mortgage, you're looking to buy a house. And so that's really the approach that we've taken with our algorithm as well, that allows us to predict how much money a customer will earn over the next five years."


You can learn more about ProGrad at https://www.prograd.uk/


I mention Guy Kawasaki in our chat, here's his 'must see' TED Talk: https://www.youtube.com/watch?v=Mtjatz9r-Vc


You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect). The show has its own page there, too, and is also present, but less active, on Instagram and Twitter using the @HTLMTS handle. 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 https://www.howtolendmoneytostrangers.show/contact-us


Oh, and if you’re in need of more banking podcasts, you can find related content at https://blog.feedspot.com/banking_podcasts/


Regards,


Brendan



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How to Lend Money to Strangers - Lending innovation in Moldova, with Bogdan Plesuvescu (Victoriabank)
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06/16/22 • 24 min

I used to feel a little bit exotic knowing a person born in Moldova, but since he left as a baby, that’s actually all I knew about Moldova. It turns out, I should have been paying attention because it may be a small country, but Moldova is standing on the threshold of significant change: on the one hand, a formal push is now underway to bring them into the EU but on the other, there’s also the still-present threat of Russian aggression.


Moldova was once in the USSR, but arguably its historical and cultural links are stronger with its Western neighbour, Romania. In this episode, we explore those ties - and the broader state of the Moldovan banking landscape - with Bogdan Plesuvescu, CEO of Victoriabank.


If you’d like to start a conversation with Bogdan, you can find him on LinkedIn like I did, and although we didn’t really talk about it, if it his sailing you’re more interested in, which has somehow become a recurring theme among my guests, you might also want to check out his Twitter


You can read more about Victoriabank Moldova at https://www.victoriabank.md/en/ (including their VB24 Pay, Garmin Pay and Apple Pay offerings as mentioned)

Bogdan also spoke about all the help the people of Moldova have been offering to Ukrainian refugees fleeing the Russian invasion. I can’t personally vouch for Refugee Support EU, but if you’re interested in helping they seem to be a good place to start your search.


Finally, if it is me you're after, you can find me on my LinkedIn page (feel free to connect), my action-adventure novels on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is at https://confirmu.com/ as well as 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



Hosted on Acast. See acast.com/privacy for more information.

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It’s weird: when I moved house, the world suddenly stopped while everyone waited for me to get a new utility bill, at which point we resumed normal service with me once again a verified real-life person. We've said it on this show before, but there has to be a better way to prove identities than a utility bill, a signature, and an unchangeable government-issued number of some sorts...

And of course, there is, but none of the ones we’ve discussed to date felt complete, which is why I was keen to speak to Jonathan Camilleri Bowman. Having got too-often bumped into issues when trying to verify identities for his earlier business, he founded Sekuritance as a CeFi and DeFi RegTech ecosystem that could provide a one-stop-shop on all compliance needs.

So in this episode we chat about what that means and whether the auditable nature of the blockchain might offer a solution to solving the identity problem.

You can learn more about Sekuritance on their homepage - www.sekuritance.com - and while their academy is not up yet, you can find more details on the Oxford University Blockchain course here

You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect), while you can find my action-adventure novels on Amazon, some versions even for free.

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 contact page on this site.

Regards,

Brendan



Hosted on Acast. See acast.com/privacy for more information.

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How to Lend Money to Strangers - Consumers and their credit data, with Kelli Fielding (TransUnion)
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02/17/22 • 24 min

I spent several years creating industry-level research for one of the big credit bureaus, first in Asia and then in Europe. During that time, one of my defining projects was a deep dive into the value generated by consumers monitoring their own credit reports. Prior to my study, I'd only seen this addressed as a single question: do consumers who monitor their own credit data regularly, see improving credit scores?

But that’s not a specific enough question to understand the nuance... sure, if you were only going to pick one metric to track that would be the one but the fact is consumers can monitor their credit for many reasons, and those varying reasons can dilute the observable benefit.

You can read more about what I found here, but the reason I’m calling it out is that even five years ago the interaction between consumers and their own credit data was complex, and it’s only become more complex with the emergence of Open Data. So in today’s episode of HTLMTS I speak to Kelli Fielding, TransUnion UK’s Head of Consumer Interactive, to learn more.

As Kelli mentions in our chat, your best place to start learning more about TransUnion is their homepage

Or you can find Kelli Fielding herself on LinkedIn

And you can also learn more about Monevo, as you’d expect, at monevo.com

You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect while there), and if you have any feedback, questions, or if you would like to participate in the show, please feel free to reach out to me at [email protected]

A full written transcript with timestamps can be found on HowtoLendMoneytoStrangers.Show

You can also find my pulpy action-adventure novels in all their formats on Amazon



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How to Lend Money to Strangers - A global career in collections, with Chris Somervell
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01/27/22 • 36 min

New Zealand might be forgotten from world maps so often that it’s become a meme, but that didn’t stop today’s guest from taking his career truly global. Chris Somervell’s has worked in eight countries while away from home, predominantly managing collections operations.

And that’s what we discuss: lessons learned as technology developed and cultures changed alongside him, and a fundamental reimagining of what it could mean to work in collections.

You can find Chris on his LinkedIn page (or out sailing)

You can learn more about myself, Brendan le Grange, on my LinkedIn page (and while you're there, send me a connection request)

If you have any feedback, questions, or if you would like to participate in the show, please feel free to reach out to me at [email protected]

A full written transcript with timestamps can be found on HowtoLendMoneytoStrangers.Show

You can also find my pulpy action-adventure novels in all their formats on Amazon



Hosted on Acast. See acast.com/privacy for more information.

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How to Lend Money to Strangers - Tokyo: Asia's next FinTech hub, with Morris Iwai
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02/01/24 • 28 min

Japan is an uncommon blend of known and unknown: I drive a Nissan, you might drive a Toyota, my TV is a Sony, and since my time in Hong Kong, my go-to beer on hot days is an ice-cold pint of Asahi... but I know little about their FinTech scene. So, to set that right, I sat down with Morris Iwai, a seasoned business executive with 20+ years of experience in the credit card, consumer lending, and payments industries of the US, Taiwan, Singapore, and, of course, Japan.


Morris shares that experience - and some hard numbers - as we cover:

  1. An overview of the credit card and payments markets in Japan
  2. Tokyo, the new Fintech Hub in Asia
  3. Digital Payment trends and the push towards cashless
  4. Insight on the Japanese consumer mindset
  5. The rise of BNPL and leading players in Japan
  6. Acceleration of e-commerce spend
  7. Challenges with the credit underwriting process
  8. The state of Open Banking in Japan
  9. The impact of Digital Wallets and QR payment providers
  10. Future of payments in Japan and new opportunities

You can find Morris on LinkedIn at https://www.linkedin.com/in/morris-iwai/


And while you're there, come and find and connect at https://www.linkedin.com/in/brendanlegrange


Or see this all happening in the flesh by attending one of these great upcoming events: Japan Fintech Festival, Sushi Tech Tokyo, or Fintech Summit


Need help launching your startup in Japan? Check out www.launchstarz.com/ for more details.


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.

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FAQ

How many episodes does How to Lend Money to Strangers have?

How to Lend Money to Strangers currently has 165 episodes available.

What topics does How to Lend Money to Strangers cover?

The podcast is about Fintech, Management, Banking, Podcasts, Business and Careers.

What is the most popular episode on How to Lend Money to Strangers?

The episode title 'Turbocharged AI analytics, with Carey Anderson (1datapipe)' is the most popular.

What is the average episode length on How to Lend Money to Strangers?

The average episode length on How to Lend Money to Strangers is 29 minutes.

How often are episodes of How to Lend Money to Strangers released?

Episodes of How to Lend Money to Strangers are typically released every 6 days, 23 hours.

When was the first episode of How to Lend Money to Strangers?

The first episode of How to Lend Money to Strangers was released on Jul 10, 2021.

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