Corporate bonded loans are an exciting alternative to pure loans and bonds for both SMEs and investors. Invented in Germany a long time ago and increasingly spreading throughout Europe, the ‘Schuldschein’ is classified as a bilateral loan, whereby the loan agreement also serves as a certificate of debt, providing legal proof in court. But there's more: The agreement is not a security within the meaning of MiFID or other regulations which avoids high complexity due to prospectus requirements and rating costs. Plus, you don't have to deal with lengthy contracts and covenants that are typical for loans. Not to mention the long prep time. This flexibility makes the bonded loan an appealing instrument on the international capital market – and, due to the comparatively low costs, even for smaller volumes. Since it does not require time-consuming and costly documentation, the bonded loan is perfectly suited for a disruptive, highly standardized, digital emission process managed by Fintechs. Listen in to what a seasoned expert of a marketplace lender from Germany has to say about this segment. Are there any nasty pitfalls after all? Where lie the biggest opportunities? What is the status of digitization? How does the bonded loan perform compared to bonds and loans? Folks, in this episode, we take a look at the future of SME financing in Europe. Join the show! **Speaker: ** Christoph Steinbrich, Managing Director @ DEBTVISION **Host:** Constantin Fabricius, Managing Director @ DLA **Please note:**  The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.  Subscribe to stay updated on new episodes! Follow us on LinkedIn: https://de.linkedin.com/company/digital-lending-association Digital Lending Summit 2025: https://www.finfellas.com/frankfurt-2025

The universe of digital private debt with impact is expanding throughout Europe. We have learned from our annual investor conference, the Digital Lending Summit, that an increasing number of people would like to get information about this appealing sub-asset class within Digital Lending. But they also want to hear more about the real impact, the risks and opportunities. In today’s episode four Fintech impact lenders from the Netherlands, Portugal, Spain and Sweden drop by the podcast and tell us their stories. We talk about different business models, market developments especially in times of Trump, liquidated USAid and tariffs, credit risk, returns and defaults. And of course, we discuss the key question of what Digital impact lenders can shape to create a fairer, greener, and more social future in Europe. **Speakers:** - Gabriela Chang Valdovinos, Co-Founder & CSO @ EthicHub (Spain) - Nuno Brito Jorge, Co-Founder & CEO @ Goparity (Portugal) - Daniel van Maanen, CFO & Senior Investment Manager @ Lendahand (Netherlands) - Christoffer Falsen, Founder & CEO @ trine (Sweden) **Host:** Constantin Fabricius, Managing Director @ Digital Lending Association **Please note:** The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Follow us on LinkedIn: https://de.linkedin.com/company/digital-lending-association Digital Lending Summit 2025: https://www.finfellas.com/frankfurt-2025

The DLA meets the Swiss Marketplace Lending Association (SMLA) and discusses latest trends and predictions in Non-Bank Digital Lending from inside and outside the EU. What’s up on the borrower side and how is the investor side developing? What are the growth drivers of today and tomorrow? What is the current state of the Fintech Lender - bank relationship? How do the four high level speakers assess the current political and regulatory environment in Europe - and what ideas do they have for improvement? Speakers: Stefan Pomberger, SMLA Board Member & Co-Founder & Head of Cosmofunding @ Vontobel; Matteo Bernadoni, SMLA President & Co-Head Client Needs @ UBS; Marco Hinz, DLA Board Member & CEO @ CrossLend; Patrick Stäuble, DLA Board Member & Founder & CEO @ Taylor Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Follow us on LinkedIn: https://de.linkedin.com/company/digital-lending-association

Do you know what it feels like to go through a cyber attack and have everything turned upside down? No...? Then join our show. We will present a company that is still suffering from the consequences today. It's a valuable report that all fintech lenders should listen to. We will also talk about NIS2, DORA and CRA: about the scopes of application and their delimitation, implementation in practice and first hand experiences with the biggest challenges, a resilient ITC risk management and, of course, the best way to cope with a cyber attack - when all preventive measures have nevertheless failed. Speakers: Eduard Singer, Managing Partner @ neusinger, Frank Fischer, Partner @ Annerton, Jan Pomplun, CEO @ BerlinerLuft Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Follow us on LinkedIn: https://de.linkedin.com/company/digital-lending-association

By using modern credit technology Digital Lenders are able to go beyond. Additional risk data scooped by way of Open Finance and Artificial Intelligence allow to serve the unserved who might otherwise have been overlooked. Thus, fintechs are able to do their bit for the supply of private credit in Europe. But how deep is it worth to drill into the customers' data? Which role plays transparency and data quality? Which combination of technology and human involvement makes sense to avoid disparities in hybrid models - can a fair line be determined where potential harm outweighs benefits? How exactly does the combination of Open Finance and AI support underwriting models?‌ Speakers: Tamara Kumposcht, Head of Banking @ taktile; Peter Hiekmann, Vice President Sales @ finAPI; Patrick Wolf, Partner @ GvW; Kimmo Rytkönen, founder & CEO @ getincome Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. We do not assume any liability and will not share any profits. Shownote: “Disparities in consumer credit: The role of loan officers in the FinTech era”, Erica Jian/Will Shuo Liu/Yeonjoon Lee, March 15, 2022, on World Bank Blogs: https://blogs.worldbank.org/en/allaboutfinance/disparities-consumer-credit-role-loan-officers-fintech-era

In this episode, we will take a deep dive at the beginning of the value chain and find out what ensures fast and secure lending since onboarding is one of the most important parts of the lending process. If you mess up here, you risk high dropout rates and poor margins. Hence, how can Digital Lenders design their onboarding in a way that ensures they don't have to compromise on the quality of their identity checks, KYC/AML requirements and a good customer experience? What are the trends, risks and opportunities? Which technological approaches should lenders be aware of and how easy is it to integrate them? What regulatory compliance requirements need to be considered - such as the [Accessibility Directive](https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32019L0882)? How will Open Finance and AI exert influence on the future of onboarding in Digital Lending? ‌ Speakers: Nicole Czollek, Director Partner Sales @ Business Service Solution; Alexander Maier, VP Sales Financial Services @ IDnow; Damien Guermonprez, Co-Founder and CEO @ Lemonway; Till Otto, Senior Associate @ Annerton Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

Join us as we delve into the vibrant intersection of music, ABS and tokenization. In this enlightening talk we discuss the securitization of cash flows from music rights introducing investors to an appealing sub asset class within Digital Debt. We also discuss Taylor Swift's impact on credit risk assessment. This episode moves beyond the usual conversations offering a visionary look at the innovation power driving the future of Fintech Lending. Speakers: Daniel Maier, Founder & CEO of Chartered InvestmentJan Denecke, Founder & CEO of twelveXtwelve Host: Constantin Fabricius, Managing Director of Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

Welcome to the 2nd season. On today’s show #11 we publish panel no. 2 at the “What’s Up Digital Lending?” conference in Frankfurt, Germany, on April 24, 2024. It’s a top-class investor panel discussing latest trends, risks and returns. Speakers: Daniel Dobrev (Director, Speciality Finance, Fortress Investment Group), Conor Sheehy (Head of Warehousing EMEA, HSBC Innovation Banking), Michael Stott (Managing Director, Waterfall Asset Management), René Trautner (Director, Deutsche Bank), and Sebastian Walf (Managing Director, Head of Asset-Backed Securities EMEA, Citi) Moderator: Jördis Heckt-Harbeck (Counsel, Linklaters) Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Digital Lending Summit in Frankfurt, Germany, on April 24, 2024 [Digital Lending Summit - Fintech Lenders](https://digitallenders.eu/lending-summit/)

In the latest episode of our show, we take a look ahead and chat about the state of Digital Lending in 2024 against the backdrop of a mixed economic outlook and interest rate uncertainties. We delve into capital costs, profitability and data, among other things. The podcast also dives deep into Basel3, Open Finance, AI, and the future prospects of Crowdlending. Guests: Patrick Stäuble, Founder & CEO of Teylor AG, Maik Taro Wehmeyer, Co-Founder & CEO of Taktile, Andreas Wolf, Member of the Management Board with Raisin Bank Host: Constantin Fabricius, Managing Director of the Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. We look forward to receiving feedback at press@digitallenders.eu or via [LinkedIn](https://de.linkedin.com/company/digital-lending-association). Interested in our newsletter? Click [here](https://digitallenders.eu/#Newsletter) to sign up. Taktile’s Lending Report 2023 can be found [here](https://www.taktile.com/state-of-lending-2023).

South-African Dean Hastie drops by the podcast to talk about revenue based finance in harsh times for start ups. How does it work? What are the advantages between traditional lending and VC? Guest: Dean Hastie, Co-Founder & CEO, Tapline Host: Constantin Fabricius, Managing Director, Digital Lending Association We welcome feedback at press@digitallenders.eu or via [LinkedIn](https://de.linkedin.com/company/digital-lending-association). Interested in our Quarterly Briefing? Please subscribe [here](https://digitallenders.eu/#Newsletter).

The very first podcast with a fintech lender from Latvia. In this episode we talk to Paul Melamed, Co-Founder of INDEMO as well as CEO and Senior Partner of Aquarium Investments, one of INDEMO’s shareholders. INDEMO enables investments in discounted debts with a focus on Spain. Beyond that INDEMO belongs to the increasing group of regulated Digital Lenders as it owns a MiFID license. Listen in and find out what’s up in Latvia and Spain. Guest: Paul Melamed, Co-Founder of INDEMO, CEO & Senior Partner of Aquarium Investments Host: Constantin Fabricius, Managing Director, Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. We welcome feedback at press@digitallenders.eu or via LinkedIn: https://de.linkedin.com/company/digital-lending-association Interested in our Quarterly Briefing? Please subscribe here: https://digitallenders.eu/#Newsletter

Welcome to our first podcast with a British fintech lender. In this episode we talk to Ali Celiker, CEO of BRITISH PEARL and Chairman of the Association of Real Estate Investment Platforms (AREIP) - both located in London. In the first part we dive deep into BRITISH PEARL and the real estate market. In the second part of the podcast we talk about AREIP, what the members are hoping to get across with it and the development of industry standards for more trust and quality in the ecosystem. Listen in and find out what’s up in Great Britain. Guest: Ali Celiker, Founder & CEO of BRITISH PEARL and Chairman of AREIP Host: Constantin Fabricius, Managing Director, Digital Lending Association We welcome feedback at press@digitallenders.eu or via [LinkedIn](https://de.linkedin.com/company/digital-lending-association). Interested in our Quarterly Briefing? Please subscribe [here](https://digitallenders.eu/#Newsletter).

In today’s podcast we chat to Florian Kübler of Lend, a digital lender from Zurich. We dive deep into fintech lending in his country. Listen in and find out what’s up in Switzerland. Guests: Florian Kübler, Co-Founder & CEO, Lend, Switzerland. Host: Constantin Fabricius, Managing Director, Digital Lending Association We welcome feedback at press@digitallenders.eu or via [LinkedIn](https://de.linkedin.com/company/digital-lending-association). Interested in our Quarterly Briefing? Please subscribe [here](https://digitallenders.eu/#Newsletter).

Welcome to the 5th episode! On today’s show we have Andi Burri from the Swiss fintech Loanboox. We speak at length about the municipal finance landscape in Europe and learn more about their way of bringing digital lending to analogue town halls. Andi highlights some of the key milestones Loanboox achieved in their journey and how investors can take advantage of the marketplace. Guests: Andi Burri, Co-Founder & Country Head, Loanboox, Switzerland. Host: Constantin Fabricius, Managing Director, Digital Lending Association. Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

In this episode, we are speaking about the Frankfurt/Germany based Fintech Exaloan AG which provides convenient technology for institutional investments in digital loans and assets. Its mission is to close the global funding gap that exists to the disadvantage of individuals and corporates by connecting institutional capital with digital lending platforms. What kind of challenges do investors face when dealing with the global digital lending market? How coping the macroenvironment, especially the rising interest rates and the pressure on the creditworthiness, when building up a digital portfolio? What’s up with tokenized digital loans? These and many more questions get discussed. Guests: Luca Frignani, Co-Founder & CEO, and Romy Ritter, COO with Exaloan. Host: Constantin Fabricius, Managing Director with the German Digital Lending Association. Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

In this episode, we are shedding the light on the pan-European digital lender INVESDOR. They were the first to get the authorization as European Crowdfunding Service Provider in Germany and Austria. But what does this mean for investors and debtors alike? Which role plays tokenization? What’s up with returns and defaults? These and many more questions get discussed. Guest: Christopher Grätz, CEO of INVESDOR. Host: Constantin Fabricius, Managing Director with the German Digital Lending Association. Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. We do not assume any liability and will not share any profits. We welcome feedback at info@kreditplattformen.de or via LinkedIn.

In this episode, we are talking about the Frankfurt/Germany based fintech LOANCOS. Besides the servicing of loans they offer investments in residential real estate loans. Why should institutionals invest? What are the returns? How do the currently manifold risks affect this asset class? What’s up with the future landscape of Digital Lending in Europe? These and many more questions get discussed. Guest: Clifford Tjiok, COO with LOANCOS. Host: Constantin Fabricius, Managing Director with the German Digital Lending Association. Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

In this episode, we are pod-casting live from the first Consumer Finance Summit in Cologne on October 27th. The Digital Lending market has grown rapidly across Europe in recent years. In the first half of 2022, the share of online consumer loans in Germany amounted to more than 30 percent. The Consumer Finance Summit provided an in-depth look into the market and what opportunities are available to investors. Guests: Christian Finke, Managing Director with Monega Kapitalanlagegesellschaft, and Philipp Kriependorf, Co-founder & Member of the Board of Directors of the Digital Lending Association Host: Constantin Fabricius, Managing Director, Digital Lending Association. We welcome feedback at press@digitallenders.eu or via [LinkedIn](https://de.linkedin.com/company/digital-lending-association). Interested in our Quarterly Briefing? Please subscribe [here](https://digitallenders.eu/#Newsletter).