Bridges to Credit: Alternative Data and Inclusive Finance, with Santiago Espinoza (LexisNexis Risk Solutions)

How to Lend Money to Strangers

Brendan le Grange

Credit, Fintech, Management, Lending, Banking, Business, Careers

5 • 2.6K Ratings

🗓️ 14 September 2023

⏱️ 31 minutes

🔗️ Recording | iTunes | RSS

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Summary

One of the most exciting things about working in emerging markets is the opportunity to leap frog old systems - a tool that once had a cutting edge is now an anchor, and to be free of it a means to be nimble.

Now, I’m not suggesting traditional data has reached the point of being an anchor, but markets rich with it have created fully developed ecosystems that may be stifling innovation on other alternative data fronts.

This is why it was so exciting for me to be given a chance to see what’s happening in Latin America, a region that, by and large, fixing gaps in traditional with new and varied alternative data experiments.

I’m spoke to Santiago Espinoza, LexisNexis’s Director of Market Planning for LATAM, to learn more.

You can find LexisNexis Risk Solutions at: https://risk.lexisnexis.com/

They’re also on LinkedIn at https://www.linkedin.com/company/lexisnexis-risk-solutions/

Santiago is also on LinkedIn at https://www.linkedin.com/in/santiago-espinoza-6385ba

I am on LinkedIn, of course, so feel free to send me a connection request there: 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

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

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Transcript

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0:00.0	I work with the very base of the pyramid.
0:02.8	They have a phone in their homes, but they don't have mobiles.
0:06.6	And I said, come on, what are you talking about?
0:09.5	Everybody in Mexico has a mobile phone.
0:11.5	And in the region is the same, the same scenario.
0:14.2	So at the end, they are producing digital prints.
0:18.0	I will say every second, every minute of their day.
0:21.4	So with alternative data, now they have the opportunity
0:26.0	to go after this population.
0:28.3	The Pondugar is an ancient Roman aqueduct bridge built in the first century
0:38.5	to carry water for 50 kilometers into Neme.
0:42.1	Rising to 50 meters tall over its three years, it's a hell of a sight.
0:47.4	Apparently, had I been a bit better at planning things,
0:50.7	I would be standing on the shores of the garden river now, looking at it.
0:54.9	But I made a little mistake.
0:57.1	When I initially drew up a five-day cycling itinerary around Capulgrimage
1:01.8	to the last home of the French Lagrangeers, I was aiming for Cabriere de Avignon.
1:07.0	I should have been aiming for Cabriere de Agues.
1:09.9	The one my wife had actually mentioned, mind you.
1:12.6	Noticing this, in time, luckily, forced to reshuffle.
1:16.4	Neme is off the list, and now, if you're listening to this on the day it was published,
1:20.9	I will instead be heading up and over the Valkluse plateau towards Lille-Serle-Sorg
	...

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