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How Beforepay is Disrupting Lending with Jamie Twiss, CEO of Before Pay Group

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Manage episode 462364121 series 3369519
DayOne.fm에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 DayOne.fm 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.

Episode Summary

In this episode of the FinTech Fun podcast, Chris Titley interviews Jamie Twiss, CEO of Before Pay Group. Jamie dives into Beforepay’s innovative approach to short-term lending and its mission-driven model that offers Australians a transparent, ethical alternative to predatory payday loans. He also discusses the company’s enterprise software arm, Carrington Labs, and its expansion into the U.S. market. Jamie shares insights on the role of AI and machine learning in credit decisions, the challenges of scaling automation, and how Beforepay has become a lifeline for Australians facing unexpected expenses. Tune in for a mix of fintech innovation, personal stories, and a touch of Russian literature!

Key Takeaways

00:00 - 01:28: Introduction and Beforepay 101 – How it started and its two business arms.

01:28 - 02:52: Addressing small, short-term financial needs with a mission-driven model.

02:52 - 03:53: Automated processes and personalized repayment schedules.

03:53 - 05:46: Managing credit risk ethically and balancing profitability.

05:46 - 07:27: Customer insights: Coping with inflation and the spectrum of financial needs.

07:27 - 09:41: Carrington Labs – Expansion into the U.S. and global opportunities.

09:41 - 11:03: Launching new personal loan products and their market impact.

11:03 - 14:25: Using AI and machine learning to enhance credit decision-making.

14:25 - 16:00: Jamie’s personal interests – From Russian literature to marathon running.

Resources Mentioned

Beforepay App: Offering quick, short-term pay advance solutions with a flat 5% fee.

Carrington Labs: Enterprise software arm licensing advanced credit decision-making tools.

Russian Literature: Jamie's passion for classics that explore the human experience.

Sydney Marathon: Jamie’s yearly running challenge.

Thanks to our sponsors for helping to make this episode of Fintechfun possible:

Vanta: Join 7,000 global companies like Atlassian and Dovetail that use Vanta to build trust and prove security in real-time.

Get 10% off

The Day One Network

Fintechfun is part of Day One, the podcast network dedicated to founders, operators & investors.

To learn more, join our newsletter to be notified of new and upcoming shows. The only content we create is content that will help Australian founders.

If you want to learn about upcoming guests and when a new Fintechfun episode is available, join the Fintechfun newsletter.

Mentioned in this episode:

June 2024 – Vanta Fintechfun


This podcast uses the following third-party services for analysis:
Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp
Spotify Ad Analytics - https://www.spotify.com/us/legal/ad-analytics-privacy-policy/
  continue reading

67 에피소드

Artwork
icon공유
 
Manage episode 462364121 series 3369519
DayOne.fm에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 DayOne.fm 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.

Episode Summary

In this episode of the FinTech Fun podcast, Chris Titley interviews Jamie Twiss, CEO of Before Pay Group. Jamie dives into Beforepay’s innovative approach to short-term lending and its mission-driven model that offers Australians a transparent, ethical alternative to predatory payday loans. He also discusses the company’s enterprise software arm, Carrington Labs, and its expansion into the U.S. market. Jamie shares insights on the role of AI and machine learning in credit decisions, the challenges of scaling automation, and how Beforepay has become a lifeline for Australians facing unexpected expenses. Tune in for a mix of fintech innovation, personal stories, and a touch of Russian literature!

Key Takeaways

00:00 - 01:28: Introduction and Beforepay 101 – How it started and its two business arms.

01:28 - 02:52: Addressing small, short-term financial needs with a mission-driven model.

02:52 - 03:53: Automated processes and personalized repayment schedules.

03:53 - 05:46: Managing credit risk ethically and balancing profitability.

05:46 - 07:27: Customer insights: Coping with inflation and the spectrum of financial needs.

07:27 - 09:41: Carrington Labs – Expansion into the U.S. and global opportunities.

09:41 - 11:03: Launching new personal loan products and their market impact.

11:03 - 14:25: Using AI and machine learning to enhance credit decision-making.

14:25 - 16:00: Jamie’s personal interests – From Russian literature to marathon running.

Resources Mentioned

Beforepay App: Offering quick, short-term pay advance solutions with a flat 5% fee.

Carrington Labs: Enterprise software arm licensing advanced credit decision-making tools.

Russian Literature: Jamie's passion for classics that explore the human experience.

Sydney Marathon: Jamie’s yearly running challenge.

Thanks to our sponsors for helping to make this episode of Fintechfun possible:

Vanta: Join 7,000 global companies like Atlassian and Dovetail that use Vanta to build trust and prove security in real-time.

Get 10% off

The Day One Network

Fintechfun is part of Day One, the podcast network dedicated to founders, operators & investors.

To learn more, join our newsletter to be notified of new and upcoming shows. The only content we create is content that will help Australian founders.

If you want to learn about upcoming guests and when a new Fintechfun episode is available, join the Fintechfun newsletter.

Mentioned in this episode:

June 2024 – Vanta Fintechfun


This podcast uses the following third-party services for analysis:
Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp
Spotify Ad Analytics - https://www.spotify.com/us/legal/ad-analytics-privacy-policy/
  continue reading

67 에피소드

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