Laurent Le Moal

1 appearance on the record.

computed by AI from the episodes · how this works → · full disclaimer →

13statements → 8claims → 6claims resolved → 50%fully supported → 3.85/5average certainty → 2/5average debate potential → ≈4.5/5argument clarity, estimated → 7said about them ↓

3 supported 1 partly supported 2 contradicted 2 not checkable as stated how the 8 claims stand · each chip opens the sources

2 predictions · 6 assertions · 2 opinions · 3 insights · every statement was checked. The predictions and assertions are the 8 claims: statements the public record can support or contradict. 6 are resolved, and 2 name no date, number or outcome precise enough to check. Everything else (opinions, insights, what ifs, disclosures) can never be settled by the record, so it carries no assessment.

The record, in short

What the tape says about how Laurent argues and how the claims held up. Everything they said, and everything said about them, is in the tabs below.

Their most notable supported claim

Assertion Supported
Le Moal: Some Indian startups burn $200M per year
“We are talking, you know, a couple of hundred millions a year.”
Laurent Le Moal May 22, 2017 ▶ 8:29 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal

Their most notable contradicted claim

Prediction Didn’t hold up
Le Moal: Payment processing could become free in a few years
“All the rest, you could really imagine that in a few years, the payment itself, the processing itself will be free.”
Laurent Le Moal May 22, 2017 ▶ 3:45 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal

Expressed certainty vs assessment result

none yet certainty 1
0% certainty 2
none yet certainty 3
70% certainty 4
none yet certainty 5

weighted support: a fully supported claim counts one, a partly supported claim counts half. Each filled bar is clickable and opens exactly those claims; "none yet" means nothing said at that certainty level has resolved yet

How they sound: not measured why? →

We measure speaking style by listening to the audio itself, and a fair number needs at least 2,000 words from one person on tape we have measured. There is too little of Laurent Le Moal on measured tape to publish a rate. This says nothing about how they speak.

Everything Laurent Le Moal said on Top Founders that made the record, most notable first. Filter by type, assessment or year in the ledger →

Prediction Didn’t hold up
Le Moal: Payment processing could become free in a few years
“All the rest, you could really imagine that in a few years, the payment itself, the processing itself will be free.”
Laurent Le Moal May 22, 2017 ▶ 3:45 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal
Assertion Supported
Le Moal: Some Indian startups burn $200M per year
“We are talking, you know, a couple of hundred millions a year.”
Laurent Le Moal May 22, 2017 ▶ 8:29 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal
Opinion
Le Moal: Payments remain fundamentally local and regional, not truly global
“I believe actually that payments are extremely local and regional.”
Laurent Le Moal May 22, 2017 ▶ 2:49 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal
Opinion
Le Moal: Traditional bank credit scoring only serves the top 1%
“The banks have done this, you know, but all using the same credit scoring model and basically addressing the one percent of the population that actually do not really need credit.”
Laurent Le Moal May 22, 2017 ▶ 4:34 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal
Assertion Not checkable as stated
Le Moal: 90% of Indians Can Repay Debt but Lack Credit Files
“If you go now to India and you want to address really the 90% of the population 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.”
Laurent Le Moal May 22, 2017 ▶ 4:49 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal
Insight
Le Moal: Mobile Data Is the Largest Source for Alternative Credit Scoring
“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.”
Laurent Le Moal May 22, 2017 ▶ 5:03 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal
Assertion Partly supported
Le Moal: PayU processed around $18B in payment volume in 2016
“Yeah, so actually we finished this year, right in time, 2060 16, yeah around 18 billion dollars of payments, volumes.”
Laurent Le Moal May 22, 2017 ▶ 16:51 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal
Assertion Supported
Le Moal: PayU is growing around 70% annually in India
“However, we see a really big push in India where the growth rates we have right now are around the 70% mark.”
Laurent Le Moal May 22, 2017 ▶ 17:23 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal
Prediction Didn’t hold up
Le Moal: Consumer credit will drive 10% of PayU revenue in 2-3 years
“10% of the total revenues will come purely just from the credit activity. That's what you get basically, you know, around 24 months, 36 months from inception.”
Laurent Le Moal May 22, 2017 ▶ 18:12 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal
Insight
Le Moal: Regulatory compliance is the biggest cost for fintech startups
“That's the big cost actually of fintech for any startup.”
Laurent Le Moal May 22, 2017 ▶ 20:56 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal
Insight
Le Moal: Merchants view buy-now-pay-later as marketing, not payment fees
“When you talk to merchants about this, they see it as a marketing. Yes. For them, it's like, oh, it's not the payments. You know, we are not talking about basis point of cost. For them, it's the marketing instrument to sell more.”
Laurent Le Moal May 22, 2017 ▶ 23:43 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal
Assertion Supported
Le Moal: PayU takes a 100 to 300 basis point cut on payments
“For the payments, it varies. Basically you would look from 100 to 300 basis point.”
Laurent Le Moal May 22, 2017 ▶ 19:06 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal
Assertion Not checkable as stated
Le Moal: PayPal's entire European team was three people in 2004
“PayPal literally, you know, in 2004, it was three people in a corner office in Richmond south of London, and they were looking for someone to do a market study about the potential for PayPal outside of eBay.”
Laurent Le Moal May 22, 2017 ▶ 10:28 667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm with Ex PayPal CEO Laurent Le Moal

The other half of the tape: Laurent Le Moal's own voice is left out of every number here. Other people bring the name up 7 times in 2 episodes on Top Founders. every mention, with the transcript →

Who brings them up most Nathan Latka 7

Every mention by year

tap a year for its mentions
0041822017episodesmentions
0122017episodes it came up in
0021422017episodesmentions per episode

Appearances (1)

EpisodeDateSpeaking time
667: PayU Passes $180M Revenue, New Risk Assesment Product To Grow Financial Services Arm May 22, 2017 15m
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