What if jewellery retailers could access thousands of dollars in inventory with just a few clicks and no upfront cash? In this episode, we sit down with Stefan Scherpenborg, Head of Nivoda Capital, to explore how they're revolutionising B2B financing in the global jewellery trade.
Stefan shares how Nivoda transformed from a diamond and gemstone marketplace into a comprehensive growth platform, building embedded credit from the ground up to solve cash flow constraints that were limiting retailer growth.
- Why traditional banks abandoned jewellery financing: How marketplace data creates superior underwriting opportunities
- The "Buy Now, Grow Faster" philosophy: prioritising customer growth over lending profits, with credit as an invisible checkout option
- Building fintech within a marketplace: Stefan's hybrid approach combining third-party compliance with in-house data control and decision-making
- From wholesale to digital transformation: How social media and bespoke customer demands are reshaping jewellery retail and creating new financing needs
- Marketplace-native credit advantages: Leveraging transaction data, payment behaviour, and customer relationships for more accurate risk assessment than traditional lenders
- Scaling embedded finance globally: The three-horizon approach from stability to revenue optimisation to international expansion
- Practical fintech product advice: Lessons learned from transitioning from traditional banking to building customer-centric financial products in a specialised industry
Visit our website www.embeddedfinancereview.com for more content. This episode was produced by Orama.tv.(00:00) Introduction & Welcoming the Guest(02:49) Overview of Nivoda's Mission(03:24) How Nivoda Empowers Jewellers(07:28) Nivoda Capital: Embedded Lending(11:16) Building Nivoda Capital(14:27) Partnership Approach and Compliance(24:21) Final Thoughts and Advice
