If your balance goes to the zero at the night, the operator just observed you.

That's why his service was offered to the market on time.

It was in a letter to Robert Huck in 1675 that Sir Isaac Newton made his famous statement.

If I have seen further, it is by standing on the shoulders of giants.

But sometimes, like with the Easter Island Moai, the shoulders of those giants are themselves sitting upon something unexpected.

The first company in the world to launch mobile phantastic services has now touched 200 million end users by 25 companies in 20 countries around the world.

It's a feat to be proud of and we'll get into the how, but before we do, where would you guess they grew from?

Not Silicon Valley, not shins in, not even Nairobi, where my mind immediately goes, when the topic of discussion turns to those earliest waves of mobile banking.

But from Baku as a bajan, a central Asian country of just over 10 million people that has never come onto my fintech radar before.

So in this episode, we will discuss AI and ML derived credit scores and how they are facilitating end-to-end lending solutions in developing markets.

But we'll also find out what it is like to take on the world from uncommon foundations. Welcome to How to Lin-Money to Strangers with Brendan Lagrange.

Sameal Mamadov, co-founder and CEO of St Breller. Welcome to the show.

Thank you. I'm really glad to participate.

Now I'm looking forward to it. Sameal your background is more technical than many of the fintech founders I speak to and hear.

But then again, St Breller also has more of a telco flavor than many fintechs that I cover on the show.

So what is the foundation of your career? What did your early career look like?

We are the children of Soviet Union and our education and culture. It was different. We are growth under the propaganda.

And that's why when we are starting working in free market, we learn everything on the fly.

And that's why I have a background of the technical engineer and then I'm working for the trading company.

Then I'm working for the company which was the distributor for mobile phones in Azerbaijan.

I had a really nice knowledge in computers and it was my love. I was responsible for all computer things in our company.

We had a nice relationship with mobile network operators. But we were the distributors of mobile phones, nothing technical.

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