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How to Lend Money to Strangers — Business
How to Lend Money to Strangers

A podcast about lending innovation and lending leadership 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 discussing everything from crypto-backed mortgages to crowd-funded loans for refugees to gamified loan journeys to AI-powered credit scores.

I am the host, Brendan le Grange, and I have spent the last twenty years working in – or alongside – lenders in Africa, Asia, and Europe and I’m 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.

You can find more at www.HowToLendMoneytoStrangers.show

Or follow my other projects at https://confirmu.com/, https://www.joinhumoni.com/, https://chaos-out-of-order.com/

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

Copyright: © Copyright 2021 All rights reserved.

Latest Episodes:

What lenders can learn from borrowers, with Nicole Lapin (Money Rehab with Nicole Lapin) Aug 11, 2022

Show notes

Nicole Lapin, Host of Money Rehab with Nicole Lapin, is “the only financial expert you don't need a dictionary to understand”.

And sure, you may not need a dictionary to understand lending anymore, but that’s because you work in the industry. I’m going to guess that most of your borrowers don’t. And I’m also going to guess that most of your borrowers don’t want to spend their days reading dictionaries, which is why Nicole is where they are going to learn and to vent about their credit troubles.

As lenders, even with our best intentions we sometimes talk past our borrowers, we describe products in confusing terms or build them in ways that may allow customers to work against their own best interests.

That is why I think it is so important to have a channel to those grassroots experiences. With a new episode out every weekday, a handful of New York Times best-selling books, and her own experience of being in debt and out of control, there is no better channel today than Nicole Lapin - so I was absolutely delighted to have her on my show, talking about how and where consumers are feeling the pinch, and how and where consumers are going astray with their credit products.

You can, and really should, find Nicole’s books, courses, and other insights on https://nicolelapin.com/. You can even follow Nicole on LinkedIn

While Money Rehab with Nicole Lapin can be found wherever fine podcasts are followed, or via its home on iHeart

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

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

Making payday lending redundant, with Caroline van der Merwe and Simon Ellis (Jem) Aug 09, 2022

Show notes

South Africa has an awkward history with payday lending and payday adjacent lending, so I was a touch concerned when I first heard that a fresh pair of South African entrepreneurs were looking to shake up the industry. Luckily, all my concerns were misplaced, because SmartWage is not looking to rethink payday lending, they're looking to make it redundant.

You can read more about SmartWage, now re-branded as Jem at https://www.jemhr.com/

In today’s episode, we talk about digitising communication between employers and employees, removing trucks’ worth of paperwork, and providing access to earned wages.

Follow Carolyn van der Merwe on LinkedIn for news on SmartWage but also updates from the Yale Africa Startup Review (or just head there directly at https://www.yasr.org/)

Follow Simon Ellis on LinkedIn for news on SmartWage but also his thoughts on leadership and his podcast hot tips - including The Knowledge Project and The Tim Ferris Show which were mentioned.

Follow Simon Ellis on LinkedIn for news on SmartWage but also his thoughts on leadership and his podcast hot tips - including The Knowledge Project and The Tim Ferris Show which were mentioned.

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

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

Empowering entrepreneurial women, with Debbie Watkins (Lucy) Aug 04, 2022

Show notes

Singapore might not feel like a natural home for a mobile banking app built on a vision to increase access to credit, but the city is not all glass skyscrapers and besuited bankers; and women are the ones most likely to fall through the cracks. That’s why Lucy is here. If you’re an entrepreneur, or a momtrepreneur, or a micropreneur, then it’s like your bank, but better.

In today’s episode, I speak to Lucy’s impressive co-founder, Debbie Watkins, about her globe-spanning career and how a better banking app can empower entrepreneurial women in ways that traditional banks simply can’t.

You can find Lucy at https://welucy.com/ (and while you’re there, check out the Team page with its awesome art, and equally awesome talent https://welucy.com/team-lucy/)

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

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

How to stop lending money to strangers and follow your dreams, with Gideon Griebenow (World Turtles) Aug 02, 2022

Show notes

Stephen Hawking starts A Brief History of Time with an anecdote he attributes to Bertrand Russel who, having just finished a lecture on the heliocentric nature of the planets’ orbits, was challenged by a lady in the audience.

“What you have told us is rubbish.” She said, “The world is really a flat plate supported on the back of a giant turtle."

"If your theory is correct, madam," Russell replied, "then what does this turtle stand on?"

"You're a very clever man, and that's a very good question," she replied, "but the first turtle stands on the back of a second, far larger, turtle, who stands directly under him."

"But what does this second turtle stand on?" persisted Russell patiently.

And I think we all know her answer to this, which was of course that “it's turtles all the way down."

The World Turtle is a mytheme of a giant turtle supporting the world. It occurs in Hindu mythology, Chinese mythology, the mythologies of the indigenous peoples of the Americas, and, of course, has nothing to do with lending. So why am I dedicating so much real estate to the idea?

Well, because the idea was reflected in Terry Pratchet’s incredibly popular Disc World Series of books, and those inspired today’s guest, Gideon Griebenow, to give up his credit risk career to become a game developer. World Turtles is a wholesome colony builder where you guide a tribe of creatures called Meeps on their mission to save themselves and the world they live on, and it’s gaining interest from players and publishers around the world - wishlist it now on Steam.

But you can also get involved in these final stages via many other routes - the Discord Server is here (https://discord.com/invite/2NEb4HxwhF), Youtube channel is here (https://www.youtube.com/c/RecOgMission) and there is a subreddit, Twitter, Facebook and Instagram account, too.

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

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

Private lending for real estate, with Alex Breshears (Lend2Live) Jul 28, 2022

Show notes

Early in Dead Poets Society, we’re introduced to Dr J. Evans Prichard’s approach to measuring the greatness of a poem, a dual-axis model which plots ‘perfection’ against ‘importance’ and which is immediately ripped up - because it is excrement. Luckily, I’m not trying to confine something as ethereal as poetry, so bear with me, and imagine a market for loans being described using two axes, with the horizontal axis showing the level of standardisation and the verticle axis showing the average values involved.

The top right corner is where we place standardised loans of relatively large values. Every lender would love to operate here - because it is easy to automate solutions and the rewards for doing so are high. But there’s not going to be enough space for everyone, so lenders will have to spread out: some to provide basic solutions for lower value but highly-standardised loans, and some to build bespoke solutions for customer high-value loans.

But who will provide loans that require significant customisation but offer as a reward, only relatively low values? Well, maybe you can, because this is the space where personal lending can thrive. In today’s episode, I speak to Alex Breshears of Lend2Live Learning, and find out how she provides capital to local real estate developers, and how she and her partner teach others to do the same.

First and foremost, the Lend2Live book launches today, and you can buy it here https://store.biggerpockets.com/pages/coming-soon?fbclid=IwAR1QazmmZp-1_9NTMyYIwjiLIv3fAOFv2SEdHSZpwxVExrxDHdB2v_TPp3o

But you can also head over to the Lend2Live Facebook group here if you’re just looking to dip your toes in for now: https://www.facebook.com/groups/privatelendinglessons/discussion/preview/

And as mentioned, you can also reach out to Alex directly on LinkedIn: https://www.linkedin.com/in/investpassively2liveactively/

Finally, if it is me you're after, feel free to connect on my LinkedIn page, my action-adventure novels on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ as well as on episode 24 of this 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.

The value of self-regulation, with Anna Roughley (LSB) Jul 21, 2022

Show notes

“Please, sir, may I have some more regulation?”

The Lending Standards Board is the primary self-regulatory body for the banking and lending industry in the UK, driving fair credit outcomes by giving lenders a way to hold themselves to a higher standard. I chat to Anna Roughley, Head of Insights at the LSB, to find out how this drives fairer outcomes for lenders and borrowers alike, and why self-regulation can be a strategic advantage in the modern world.

You can read more about LSB at https://www.lendingstandardsboard.org.uk/ (or on their LinkedIn page at https://www.linkedin.com/company/the-lending-standards-board-limited/) or you can email Anna’s team directly at insights@lstdb.org.uk

Finally, if it is me you're after, feel free to connect on my LinkedIn page, my action-adventure novels on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ as well as on episode 24 of this 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 https://www.howtolendmoneytostrangers.show

Regards,

Brendan

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

Putting core banking on the cloud, with Antonio Separovic (Oradian) Jul 14, 2022

Show notes

It’s not often that a bank’s ATMs running out of cash is a sign of its success, but that’s exactly what happened when Cantilan Bank - with its systems on the cloud - was able to get back on its feet after Typhoon Rai, and to dispense much-needed cash to the people, when no one else was able to. In today’s episode, I speak to Antonio Separovic, co-founder of Oradian, the fintech whose cloud-native core banking system made that bounce-back possible.

But, though forged in developing markets, the market for cloud-based core banking systems has continued to expand and so we chat about everything from working around infrastructure gasp to powering cutting-edge fintech.

You can find Oradian on their homepage here - https://oradian.com/

And, if it is me you're after, feel free to connect on my LinkedIn page, my action-adventure novels on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ as well as on episode 24 of this 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.

The little credit bureau that did, with Paul Randall (Creditinfo) Jul 12, 2022

Show notes

When I was living in Denmark and working at Experian, my boss’s boss was a rockstar, you would never hear Burak Kilicoglu’s name mentioned without an associated compliment. And I wasn’t the only one to notice, so he was soon snapped up by Creditinfo to be their Director of Global Markets - a perfect sounding guest for this show, right?

Unfortunately, though I tried, I never managed to get Burak on… which is why I was doubly happy to be chatting to today’s guest, Burak’s boss and Creditinfo CEO, Paul Randall 🤣

We talk about disrupting the credit bureau industry, about improving access to credit in developing markets, and about sharing knowledge back-and-forth between developed and developing markets.

You can find more information at https://creditinfo.com/ but if you want to jump straight to their news, that’s over here https://chronicle.creditinfo.com/#, while an example of the cookbook we mentioned is here https://chronicle.creditinfo.com/2020/12/16/creditinfo-cookbook/

Finally, if it is me you're after, feel free to connect on my LinkedIn page, my action-adventure novels on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ as well as on episode 24 of this 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 https://www.howtolendmoneytostrangers.show

Regards,

Brendan

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

A foot-up onto the property ladder, with Cameron Orcutt (OnLadder) Jul 07, 2022

Show notes

We all pay a mortgage every month, just sometimes it's our landlord’s mortgage we're paying… I was in London for The Podcast Show in the last week of May and took that opportunity to record another in-person episode of HTLMTS - this time kindly hosted at OnLadder Towers by Cameron Orcutt, half of the exciting entrepreneur pair that’s using deposit loans to help first-time home buyers get on the property ladder faster.

Mortgage down-payments have always been expensive. A 20% downpayment on the average house in the UK 10 years ago, would have been about £30,000 and, at the time, that would have been 13 months of after-tax income for a typical household. So yeah, too expensive for many. But it’s gotten worse, much worse. Right now that same household would need to find 23 months of disposable income, having already paid over £100,000 in rental in the meantime.

You can learn more about OnLadder, and join their mailing list, at https://onladder.co.uk/ or find them on LinkedIn

Finally, if it is me you're after, feel free to connect on my LinkedIn page, my action-adventure novels on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ as well as on episode 24 of this 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.

The data you need when you need it, with Simon Gregory (Data on Demand) Jun 30, 2022

Show notes

You may have noticed, but the world is a little unsettled these days. Incomes are variable. We’ve had government support programs come and go. And underlying industries come and go. Prices are rising. Fast. In an episode of this show that I recorded six months ago, I made reference to the price of fuel being £1.50 a litre. That had actually been a slight rounding-up for convenience but already, with fuel touching £2 a litre, it feels like a bargain.

I belabour the point simply because, the more turbulent the times, the larger the premium we should place on fresh data, and my guest today is out there trying to get the freshest possible data into risk decisions. Data on Demand is a UK-based fintech that provides data and insights to companies to help them better understand and improve engagement with customers - I speak to their Sales Director, Simon Gregory, about where they get that data and the situations in which it is being used for up-to-the-minute decision making.

You can find Simon Gregory on LinkedIn here: https://www.linkedin.com/in/simon-gregory-84236114/

Or learn more about Data on Demand via their homepage (https://dataondemand.co.uk/) or via email using hello@dataondemand.co.uk

The Vulnerability Registration Service that was mentioned is here: https://www.vulnerabilityregistrationservice.co.uk/

Finally, if it is me you're after, feel free to connect on my LinkedIn page, my action-adventure novels on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ as well as on episode 24 of this 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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