Welcome to Heart's Elaine Manitou Strangers, a podcast about consumer lending in all its

forms and 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 in the show, which has hosted guests

from Minola to Moscow, from Mumbai to Madrid, from Shenzhen to Chicago, from Swansea to

Singapore and I'm your host Brendan Lagrange.

I have spent the last 20 years working in or alongside lenders across Africa, Asia and

Europe and I'll be 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 fintech, sometimes they look

back at a career spent at the lending call phase 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.

And you can join us every Thursday here or wherever you prefer to find your podcasts.

Go notes, written transcripts and more content can be found at www.autolenemanitasrangers.show.

The extension of credit has been going on for practically as long as man's been censured.

There's a whole bunch of people out there where the tradition of model doesn't work.

There simply isn't enough information on these people to make a reasonable credit call.

I got eight emails from your listeners for saying this but I also came to the conclusion

I thought credit was quite boring.

Didn't say that on your podcast but that's the truth.

And so I was more interested in the fraud space and we can see that your foreign score

...