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Answered produced feed
D 5 · C 5 · P 5 · Cm 4 4.85
Q Okay, got it. So talent manager, MBA, and then what is it McKinsey and then PayPal?
A Yeah, McKinsey was at the very beginning. McKinsey is always the continuation of business school, you know, just So that you learn how to do a slide and stuff like this. Um, so yeah, after that, really, um, the MBA for me was first the opportunity to be in London, meet a lot of people, work on different projects, actually. And one of these projects was, um, at PayPal. Uh, PayPal literally, you know, in 2004, it was three people in a corner office in Richmond, um, south of London, and, uh, they were looking for someone to do a market study about the potential for PayPal outside of eBay. And, um, so they were looking, you know, for MBA student to do that. So I needed some money. I did that for six months and then they hired me. Um, so that's how it all started basically.
AI assessment note: “McKinsey was at the very beginning... One of these projects was, um, at PayPal.”
Answered produced feed
D 5 · C 5 · P 4 · Cm 4 4.60
Q sounds like you're interested in this market as well, but he, he saw what you saw, and so he's strictly financial services, and in India, he sees these credit, you know, these money sharks, loaning money to small merchants at a ridiculously high rate. He undercuts them, and then has a payment solution behind it. It sounds like, is that accurate? Are you kind of thinking about the same thing?
A Absolutely. I think, um, the ability, you know, to offer credit is all about your ability to manage risk. And to do that, you need to be able actually to leverage data. Um, so if you go around the world, the banks have done this, you know, but all using the same, um, credit scoring model and basically addressing the one percent of the population, the, the, the population that actually do not really need credit. Um, If you go now to India and you want to address really the 90% of the population, um, they do have the means to repay their debt. They do want, of course, you know, to buy stuff online, so consumption is very high, but they have what we call a very thin file. So you need really to have all the credit scoring and the ability to extract data from all over, you know, the different sources. The biggest one actually being your mobile data. Um, if you do that properly, then truly, you know, you have a technology company that, that As really credit scoring, then the rest of credit is just mechanics. It's just the same model that you have with the banks and truly you can undercut them.
AI assessment note: “Absolutely. I think, um, the ability, you know, to offer credit”
Answered produced feed
D 5 · C 5 · P 4 · Cm 4 4.60
Q Makes a lot of sense. Now we're going to dive more into this guys, but, uh, Lauren, I want to go back to your beginning. So with talent manager, was that right at a college, like your first startup, uh, is that, was that your beginning and kind of entrepreneurship or no?
A Yes, absolutely. Um, that was truly, you know, my, my, my, my, my first company. Um, now I would say I try to help younger people with their own companies, but that was my own effort. So the, the classic, you know, um, story, I started alone, you know, in my kitchen in Milan. Um, my, my accent doesn't, doesn't give it up, you know, but I'm French. So I was there in Milan, you know, and, um, I basically decided to To start a, a job board. Talent manager, basically, you know, just to create the matching mechanism between, uh, supply and demand of young professionals in, in, in Southern Europe. So, found, found, you know, uh, um, a partner to really build the, the website. And when I see right now the entrepreneurs that you can just set up, you know, your mobile application, use, you know, Amazon, you know, web services. I mean, I remember the day I had to go to the shop and buy, you know, my first, you know, compact, Pizza rack.
AI assessment note: “Yes, absolutely. Um, that was truly, you know, my, my, my, my, my first company.”
Partly produced feed
D 3 · C 5 · P 4 · Cm 4 4.00
Q Yes. Thanks. Thanks for coming on. So give it, for those folks not familiar with PayU, tell us what it does and what your revenue model is. How do you generate money?
A Um, very classic business for you. It's, um, a payment gateway. So basically we are serving merchants all over the world, especially in high growth markets, as you said, which for us means truly India, Africa, central Eastern Europe, Latin America. Um, basically we enable merchants to sell online, to accept payments online. And two things, uh, that are different about us. The first one is we do have regional platforms. I think you will see a lot of company who talk about global payments. I believe actually that payments are extremely local and regional. That's one. The second thing is actually, um, since I joined PayU, we started to move from pure payments to actually financial services. It's offering, uh, credit solutions to our merchants, but also to consumers. So these are the two things that really differentiate us in that space.
AI assessment note: “It's, um, a payment gateway. So basically we are serving merchants all over the world”
