Bringing their financially inclusive world to the UK, with Matt Davies (Nova)

How to Lend Money to Strangers

Brendan le Grange

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

5 • 2.6K Ratings

🗓️ 18 May 2023

⏱️ 25 minutes

🔗️ Recording | iTunes | RSS

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Summary

I've been an immigrant three times: into Denmark with Experian, into Hong Kong with HSBC, and most recently into the UK with TransUnion. So, I understand some of the issues immigrants face, but you'll also notice that each of my moves was made under the wing of a big financial services company, which made for soft'ish landings. Most people don't have the same support. And it is not just about getting a credit card in week one, it's about getting a phone contract, renting a house without needing to make a six-month layout, or maybe furnishing a new apartment.

That's what I'm discussing today with Matt Davies as Nova Credit expands its cross-border credit reference service to the UK.

More about Nova can be found here: https://www.novacredit.com/uk (or https://www.novacredit.com/uk/business if you want to get straight to work)

You can also check out American Express's use of the Nova plug-ins here: https://www.americanexpress.com/us/credit-cards/features-benefits/us-newcomers/

And Misha Esipov, co-founder and CEO of Nova Credit, was on this show in its early days: so if you're interested in more of the background, listen here https://www.howtolendmoneytostrangers.show/episodes/episode-11

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 this site.

Regards, Brendan

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Transcript

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0:00.0	These are credit hungry people and typically credit worthy, you know, in their own countries
0:06.1	they built up good credit history, but it just doesn't come across.
0:10.4	One hundred episodes, it's a milestone I never even considered when I made the decision
0:20.0	to start a podcast in the tail end of the COVID lockdowns.
0:24.7	My goal then was simply to stay in touch with the industry, while I took a step back from
0:29.3	corporate life, and to reach out to parts of the industry that my life in unsecured high
0:34.8	street lending had never taken me before.
0:37.8	And now, from the 6th of June to the 8th of June, I'll be recording an episode or two
0:42.8	of this very show, live at Money 2020 in Amsterdam.
0:47.6	How to lend money to strangers really has grown so much.
0:50.9	I've spoken to lending leaders and innovators in Africa, Asia, Australia, Europe and the
0:56.1	Americas both north and south.
0:58.4	I've spoken to lending leaders and innovators doing everything from the familiar to the
1:03.1	really quite unique, gamified loan journeys and gamified psychometric credit schools, mortgages
1:09.3	backed by crypto and mortgages redesigned as rent yielding bonds, loans secured by NFTs
1:15.8	and loans secured by sailing boats.
1:18.3	Consider my horizons broadened.
1:20.6	And speaking of broader horizons, don't they always tell you to travel if you want to do
1:25.1	that.
1:26.1	Maybe live in a new country for a few years.
1:28.1	I've done that three times myself and I can't guarantee there's not one more move
1:32.5	lived in me yet.
	...

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