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The future of digital lending and enablers for growth
Technology is fuelling the lending revolution. Having a robust risk-based approach to onboarding customers and monitoring loans is now an essential competitive differentiator. Market-leading lenders are implementing advanced analytics to provide faster access to credit, streamline regulatory compliance, and reduce friction in the customer journey. As more disruptive technologies emerge and new use cases are developed, our panel will debate some of the critical levers for achieving scalability, such as:
- Eligibility, affordability, fraud: Where does the biggest priority lie for Fintechs?
- Customer centricity: Where is the most friction during the onboarding journey?
- How do Fintechs plan on adopting automation, AI, and ML models?
- What alternative data sources are being used to improve credit-decisioning models?
- How mature are current model monitoring processes?
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Jason Maude
Jason Maude
Chief Technology Advocate Starling BankJason Maude is a coder, coach, and public speaker. He has over a decade of experience working in the financial sector, primarily in creating and delivering software. He is passionate about explaining complex technical concepts to those who are convinced that they won’t be able to understand them. He currently works at Starling Bank as their Chief Technology Advocate and host of the Starling podcast.
Katrin Herrling
Katrin Herrling
Chief Executive Officer Funding XchangeKatrin co-founded FUNDING XCHANGE (FXE) setting out to use access to new live data sources and advanced analytics to disrupt the inefficient SME funding space by creating the first UK platform for businesses to easily access bank and non-bank funding solutions in one place. FXE launched in 2016, announced an exclusive partnership with MoneySuperMarket and was designated as an official finance referral platform by the British Government in November 2016.
Today, FXE is working with nine UK banks and 40+ lenders to help customers access SME funding solutions, delivering services to the UK’s largest price comparison websites and building marketplaces that are integrated into banks’ SME banking proposition.
FXE has pioneered the use of live, validated data sources to transform the underwriting of SME loans. By automating decisioning, FXE is reducing the costs for lenders by more than 70% and giving small businesses transparency of the options they are eligible for. With the advent of Open Banking in 2018, FXE is continuing to lead the integration of new data sources and making it possible for lenders to make instant lending decisions.
FXE is collaborating with Sage, Xero and Experian to demonstrate how access to transactional data is enabling the delivery of user-centric tools that enable small businesses to manage their cashflow more efficiently, build a stronger financial profile and avoid funding emergencies.
Before founding FXE, Katrin spent seven years at Bain & Company, working closely with banks and other financial services institutions across Europe. Prior to joining Bain, Katrin led American Express’ strategy and business development team in London.
Simon Forster
Simon Forster
Senior Consultant ExperianSimon Forster is Senior Consultant for Experian with almost 20 year’s experience in the credit industry and is currently responsible for the provision of best practice guidance and support to Financial Services clients across the paradigms of data, software and business process. Simon offers thought leadership, subject matter expertise and genuine insight through all interactions and by doing so builds strong relationships with senior leaders as a ‘trusted advisor’.
Ellie Duncan
Ellie Duncan
Head of Content Open Banking ExpoFormer Financial Times Group journalist Ellie Duncan has a decade of experience across financial services. While arguably best-known for her asset management work, she has also covered open banking, credit, private equity and entrepreneurship.
