How is data science changing the way we lend? In thisepisode of The Lending Link, host Nathan George sits down with Aarthi Muthukrishnan, Chief Product Officer at GDS Link, and Jose Tagunicar, Head of Product Strategy at Stratyfy, to discuss how AI, transparency, and ongoing learning are shaping credit decisions.
Most lenders are still treating bank data like a second-look tool. That’s a missed opportunity.
Open banking has changed, and so has the way lenders can use cashflow data to make smarter, faster credit decisions. But with so many different aggregators, confusing connections, and news from the CFPB and JPMorgan, it can be tough to figure out what really matters.
That’s where this conversation comes in.
GDS Link and Quiltt teamed up for an open, straightforward discussion about what lenders should be doing with bank data right now. We’ll talk about:
Most conversations about fraud either overcomplicate the tech or overlook what's happening on the ground. This one skips the noise and gets real.
Join Darren Thomas, Director of Data Solutions at Point Predictive, Justin Davis, Vice President of Product at Point Predictive, and Nathan George, Head of North America Partnerships at GDS Link, for a fireside chat built around what lenders are really dealing with today; from synthetic identities and fake documents to how fraudsters are now using AI better than some lenders.
You'll get a clear breakdown of how machine learning fits into daily fraud prevention, why generative AI creates new risks, and what to watch for in digital and face-to-face channels. The conversation also covers how to test fraud solutions effectively, reduce friction, and measure what's working without slowing down your process or frustrating your team.
In this episode, Jill Robb explores the growing threat of synthetic identity fraud in auto lending and lenders' strategies to fight back. From income misrepresentation to false employment claims, we unpack what's driving the $9.2 billion in estimated fraud exposure and how smarter data and decisioning can make a difference.
Embedded finance, AI, and digital transformation aren’t just buzzwords—they’re reshaping how financial products are built, delivered, and scaled. But with the rapid pace of change, how can fintechs, lenders, and financial institutions stay ahead?
On this episode of The Lending Link, Matt Tepper, VP of Global Marketing at GDS Link, sits down with Angi Milano, CEO of Maven Advisory, to unpack the trends and challenges defining fintech’s future. With over a decade of experience in digital marketing, sales, and enterprise fintech partnerships, Angi has been on the frontlines of major acquisitions and scaling efforts. Now, through Maven Advisory, she helps fintechs refine their go-to-market strategies, pinpoint their ideal customers, and drive sustainable growth.
In this insightful episode of The Lending Link, Rich Alterman sits down with Sarah Way Milovich, General Counsel and VP of Compliance at Carleton, Inc., to explore the intricacies of lending compliance, with a particular focus on the Truth in Lending Act (TILA) and Annual Percentage Rate (APR) calculations. Carleton, a leader in financial software and services for over 50 years, has been at the forefront of helping lenders meet complex regulatory requirements.
Sarah shares her journey from corporate attorney to her current role, offering a behind-the-scenes look at Carleton’s long history of providing critical compliance tools to major lending organizations. Sarah explains how Carleton supports lenders in navigating these complexities, from managing regulatory differences across states to the challenges of staying compliant with APR calculations.
Listeners will gain valuable insights into the differences between simple interest and add-on rates and the importance of accurate APR calculations in ensuring compliance. With the rise of state-level scrutiny and the growing use of AI in compliance, this episode is packed with expert perspectives on the evolving role of technology in the lending space.
Tune in to hear Sarah’s thoughts on the intersection of law, technology, and compliance, and discover how Carleton’s decades of expertise continue to provide essential support for lenders.
On this episode of The Lending Link, host Rich Alterman sits down with Agus Sudjianto, Senior Vice President of Risk and Technology at h2o.ai, for a candid conversation about the evolution of AI and machine learning in finance. Agus discusses his mission to make advanced AI tools, like generative AI, accessible to more people—especially in high-stakes sectors like finance. He breaks down why it’s crucial for financial institutions to use machine learning models that are not only powerful but also transparent and easy to explain.
With decades of experience, Agus reflects on the lessons he’s learned from financial crises, including the 2008 crash and the COVID-19 pandemic, and how these experiences have shaped his approach to credit risk management. He also highlights the growing role of alternative data in smarter credit decisions and talks about the importance of rigorously testing AI models before they’re put to use.
Tune in for a compelling conversation on the future of AI in finance, the lessons learned from past crises, and how to prepare for the challenges ahead.
In the latest episode of The Lending Link, Rich chats with Jason Appel, Executive Vice-President & Chief Risk Officer at goeasy.
In this episode, Rich and Jason discuss goeasy's mission to provide everyday Canadians with access to credit and a path to financial improvement. Jason shares goeasy's approach to credit risk management, including their strategies for reducing net charge-off rates while maintaining high growth. They also explore the challenges and opportunities within the Canadian lending market, the impact of data proliferation, and the evolving regulatory environment.
Jason recounts goeasy's growth journey, from its beginnings in lease-to-own services to becoming a leading non-prime consumer lender in Canada. He provides valuable insights into responsible lending practices, the importance of customer education, and the significance of aligning with strong partner relationships.
This episode is packed with real-world experiences and actionable advice from a leader in credit risk management. Perfect for anyone interested in understanding the nuances of non-prime lending and the broader financial services sector.
Tune in and gain expert insights from Jason Appel!
Join us for an insightful episode of the Lending Link Podcast as host Rich Alterman chats with Peter Renton, former CEO of FinTech Nexus and now leading CEO of Renton & Co, LLC.
In this episode, Rich and Peter delve into the story of FinTech Nexus, exploring its growth and impact on the financial services and fintech industries. Peter shares practical strategies for growth, the importance of building strong professional relationships, and the power of networking.
Peter recounts his journey from direct mail and digital label printing to becoming a key player in fintech investments. He also provides valuable insights into the development of peer-to-peer lending, the need for solid regulation and consumer protection, and the potential impact of regulatory changes on the industry.
This episode is packed with real-world experiences and actionable advice from one of fintech's influential voices. Perfect for anyone looking to stay informed and ahead in the fast-paced world of fintech.
Join us on the Lending Link Podcast, powered by GDS Link, where we explore the latest in data decisioning and credit risk solutions. In this episode, host Rich Alterman chats with Misha Esipov, the CEO and co-founder of Nova Credit. Since its launch in 2016, Nova Credit has been breaking new ground in credit infrastructure and analytics, helping lending institutions streamline their processes and grow responsibly.
Listen to learn how Nova Credit is creating a more inclusive financial system and transforming the credit industry. Remember to subscribe to The Lending Link Podcast on Apple Podcasts, Spotify, or wherever you get your podcasts.
In this episode of The Lending Link, host Rich Alterman sits down with Adam Elliott, the CEO and Founder of Kevari, to delve into the critical issue of identity fraud and its evolving complexities.
Adam begins by sharing his journey from holding senior roles at Check Systems to founding Kevari, a leading identity fraud prevention company that combines machine learning with consortium velocity and identity networks to detect fraud in real-time. He explains the reasoning behind rebranding from ID Insight to Kevari, aiming to convey strength and technological innovation.
Adam also shares his optimistic outlook on the future of fraud prevention, emphasizing the potential of emerging technologies and data networks to turn the tide in the ongoing battle against fraud. Tune in now!
Join host Rich Alterman as he chats with Carlos Caro, founder of New Market Growth. Carlos delves into affiliate marketplaces, sharing insights from his journey at Credit Karma and Capital One. Discover how these marketplaces connect consumers with lending products, explore integration strategies, and learn about the opportunities for regional banks and credit unions. Carlos also addresses lenders' concerns about sharing credit policy intellectual property and the rise of emerging credit card issuers. Tune in for a concise guide to optimizing lender models in affiliate ecosystems.
In this episode of the Lending Link Podcast, host Rich Alterman welcomes Brett van Aswegen, CEO of Wonga, for an in-depth discussion on the South African lending market and Wonga's strategic evolution. Brett outlines how Wonga transitioned from a traditional payday lender to a leader in short-term financial solutions, focusing on ethical lending practices and the impact of these changes on consumers and the broader market.
Tune in to explore the nuances of consumer lending in South Africa, leadership strategies, and Wonga's future direction in ensuring responsible and sustainable financial services.
In this episode of The Lending Link LIVE, recorded at the Fintech Meetup in March 2024, host Rich Alterman talks with Liz Pagel, Senior Vice President at TransUnion. They explore the dynamic world of "Buy Now, Pay Later" (BNPL) services and their integration into the traditional credit reporting landscape. Liz discusses the challenges of modifying credit models to accurately reflect BNPL transactions and shares insights on the regulatory landscape involving the CFPB and OCC. She explains the technical updates being implemented to ensure BNPL data is accurately captured and used in credit evaluations.
Additionally, Liz addresses the broader impact of these adaptations on financial inclusion and potential changes in consumer behavior. She also speaks on the strides being made towards gender diversity within the fintech sector, highlighting the growing participation and influence of women in the industry.
This episode provides a deep dive into how traditional credit bureaus like TransUnion navigate the complexities introduced by new financial products and what this means for consumers and lenders alike. Tune in now!
In this engaging episode of the Lending Link Podcast, our host, Rich Alterman, welcomes Adam Goller, the Executive Vice President and Head of Fintech Banking at Cross River Bank, for a deep dive into the intersections of banking, technology, and personal perseverance. Cross River Bank has emerged as a linchpin in the fintech marketplace lending industry, charting a course through innovation and strategic partnerships. Adam unpacks the bank's history, its pivotal role in the financial sector, and how it continues to redefine the boundaries between traditional banking and fintech solutions.
Tune in now for a deep dive into the future of finance through the lens of a leading figure at the intersection of banking and technology.
In this episode of The Lending Link LIVE, host Rich Alterman is joined by Mike Horrocks, SVP of Corporate Strategy and Product Marketing at Baker Hill, at the 2024 FinTech Meetup in Las Vegas. Horrocks brings over two decades of experience at Baker Hill, specializing in commercial lending, small business lending, and risk management.
Throughout their discussion, they examine the evolving underwriting standards in commercial lending, emphasizing the impact of advanced technologies and data on enhancing decision-making and operational efficiency.
Rich and Mike explore how these technological innovations are addressing the shifting demands of the finance industry. This conversation provides valuable insights into how technology is transforming finance, improving processes, and addressing key industry challenges.
On this installment of Lending Link LIVE from the show floor at FinTech Meetup, host Rich Alterman takes us into the dynamic world of financial services with Javier Alvarado, Director of Financial Services at TransUnion.
Celebrating nearly ten years with TransUnion, Alvarado shares his expertise in outbound communications and collections, highlighting how TransUnion's innovative solutions enhance customer outreach and engagement. From caller name optimization to the strategic use of data and analytics in managing delinquent accounts, this episode dives deep into the strategies shaping the future of finance.
Join Rich and Javier for an insightful discussion on the challenges and opportunities in collections, the impact of financial trends on consumer behavior, and the cutting-edge tools driving operational efficiency in the financial services industry.
Welcome to another special edition of The Lending Link LIVE, recorded during the 2024 Fintech Meetup in Las Vegas. Host Rich Alterman sat down with Brad Tompkins, the visionary Chief Information Officer of Vergent LMS, for a deep dive into the evolving world of financial technology.
In this episode, Rich and Brad delve into how Vergent has redefined the lending process, providing an end-to-end platform that supports lenders from lead acquisition to collections. This comprehensive suite of web-based software solutions is specifically designed to meet the needs of today's fast-evolving industry.
Tune in now and join us to learn more about how Vergent LMS is leading the way in making lending more flexible, customer-focused, and innovative.
In the latest Lending Link Podcast episode, recorded at the Fintech Meetup in Las Vegas, host Rich Alterman sits down with Jeff Smith, the Sales Director of Workforce Solutions at Equifax. Together, they dive deep into how payroll API technology is revolutionizing financial services, particularly by improving the way financial institutions verify income and employment.
Rich and Jeff delve into the significant impact of Equifax's Work Number, highlighting how this innovative solution is transforming outdated and labor-intensive verification methods. With the advent of The Work Number, the process has become automated, allowing consumers to easily share their financial data, which, in turn, speeds up lending decisions and enhances their accuracy.
Listen to this engaging episode to understand how Equifax's advancements, like The Work Number, are shaping a more efficient, inclusive future for financial services tailored to meet the evolving demands of today's consumers.
In a special episode of the Lending Link Podcast, recorded at the Fintech Meetup in Las Vegas on March 3-6, 2024, host Rich Alterman sits down with Matthew Gomes, General Manager of Consumer Lending and Banking at Argyle. Together, they delve into the significant impact of payroll API technology on financial services, particularly in streamlining and improving income and employment verification for financial institutions.
The conversation highlights Argyle's role in modernizing how financial institutions verify income and employment. By replacing outdated, labor-intensive verification methods with efficient, automated solutions, payroll API platforms empower consumers to directly share their financial data. This evolution leads to quicker, more accurate lending decisions.
Listen to this episode to understand how innovation and efficiency are shaping the future of financial services through the lens of payroll API technology.