E41 Replacing credit bureaus one API integration at a time with Argyle founder Shmulik Fishman

Sand Hill Road

In this episode, Erasmus Elsner is talking to Shmulik Fishman, founder and CEO of Argyle, about raising the Series A through an investment memo and the firm’s mission of making user-permissioned employment data ubiquitous and reinvent credit decisioning for lenders and consumers. 00:00​​ Intro 00:56 What does Argyle do? 03:17 Experiencing the pain point 06:48 Raising the Series A with an investment memo 11:41 Automated form population 14:05 Real-time income/employment verification 17:52 Status quo: credit bureaus 22:18 Technical/data moats 26:59 Standing on the shoulders of giants 28:40 API integrations 30:28 Screen scraping vs. API scanning 32:41 Traction and metrics 35:26 Pricing Strategy 38:36 Argyle Team 41:36 Remote-first valuation discount/premium