Lending
topic on 7 shows · 12 statements across 12 episodes
the Y Combinator Startup Podcast 
the Knowledge Project 
the Neon Show 
Capital Allocators 
Top Founders 
the a16z Podcast 
20VC
12 statements about Lending, every show
Danieli: Australia's Big Four Banks Historically Controlled 80% of Lending
“There's the big four banks in Australia, and if you go back, they controlled 80% of lending.”
Harris: Cloudbeds Has Lending on Its Product Roadmap to Explore
“And it's something that we definitely have on the roadmap to explore.”
Cashfree CEO reveals investments in cross-border, soft POS, and lending
“Right now we're also investing into a lot of future revenue growth, future revenue pools, investing a lot in cross borders, soft POS, like things around lending.”
Seibel: Cash is rarely a strategic advantage outside hardware and lending
“So it's like lending and big physical things definitely require a lot of money. It's not obvious to me that there are many other business categories that require a lot of money where cash is the advantage.”
Monica: Crypto lending, brokerage, and staking require controlling the custody stack
“The same way that I mentioned that you can't do lending if you don't own the custody stack, and you can't do brokerage if you don't own the settlement custody stack, you can't do staking, because staking comes from the same private key, same password that owns…”
Shah: Future SaaS companies will offer free software and monetize via fintech
“I believe the future of SaaS companies is going to be that where the next SaaS company will just say, oh, just use our tool for free. But by the way, we'll charge you and cross sell you some lending, some loans, some technology, some value added services which…”
In insurance and lending, acquiring fewer, profitable customers beats raw volume
“It really is a unique industry where more customers is actually worse than less but more profitable customers because each incremental customer is like a coin flip of profit or loss.”
Rampell: Restricting behavioral risk filtering in lending restricts overall access to credit
“The only way that you reduce interest rates for people is you either discriminate based on outcome-based payments, which often requires More machine learning, more data, or you're able to charge higher interest rates over time. So if you have, like, a massive …”
Long feedback loops prevent lending-style underwriting experiments in insurance
“In most categories of insurance, the dollar volumes are higher, and the feedback loops are a lot longer, and so you can't use the same technique.”
Hamed: Employer-integrated lending combines SaaS switching costs with high credit yields
“It's also the type of lending company that has barriers to entry because it has a proprietary source of originations because it's going through that large employer that other people would have to integrate with. And so it has a lot of the great characteristics…”
Rampell: Insurance received less venture capital funding due to underwriting difficulty
“Insurance for the longest time was almost an underfunded market. And part of the reason why insurance was underfunded relative to the size of the industry and relative to how big lending is, it's really hard to get insurance right.”
Bill Clerico: WePay Will Expand Internationally and Into Lending and Insurance
“You know, we think that there's a huge opportunity in international expansion. That'll be a big priority for us. The other thing too is we think there's opportunity outside of peer payments. So today we pay as a payments company, but we think that over time th…”