Podcasts about nova credit

Misha Esipov is the co-founder and CEO of Nova Credit. In this episode of The Eric Ries Show, I talk with Misha about what it takes to build a company inside one of the hardest parts of finance to break into.Misha immigrated to the United States from the Soviet Union as a child and watched his parents rebuild their lives from scratch. Years later, after a conventional path through math, finance, and business school, that experience resurfaced as a question that wouldn't let go. Why do capable people lose access to credit simply because they cross a border?Nova Credit began by tackling that problem directly, starting with international students and immigrants who were being shut out of the system. Then the pandemic hit. Immigration stopped, and the company's core market disappeared almost overnight.Misha shares what it was like to lead through that moment, how crises clarify where leaders should focus their energy, and how Nova Credit found a way forward without abandoning its original purpose.If you're interested in entrepreneurship and what it really takes to build something that lasts, this conversation is for you.—Brought to you by: ⁠⁠Framer⁠⁠: Build better sites, faster at ⁠⁠https://www.framer.com/design⁠⁠ Use code "ERIC"—Where to find Misha Esipov: • LinkedIn: https://www.linkedin.com/in/mishaesipov • X: https://x.com/MishaEsipov —Where to find Eric:• Newsletter:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ericries.carrd.co/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • Podcast:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ericriesshow.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • YouTube:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@theericriesshow⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ —In This Episode We Cover:(00:00) Intro(01:47) How Misha immigrated to the United States and found his path to entrepreneurship (03:30) Summers in the Soviet Union and why so many scientists left (06:01) Why Misha studied math and entered finance (07:06) What Misha noticed was different when he moved to the West Coast(08:22) How Nova Credit got started and why international students couldn't access credit(12:03) Steve Blank's approach to interviewing (13:11) Why Nova Credit intentionally started with a small market(15:52) What credit bureaus do and what it's like entering a highly regulated industry(18:00) The leap of faith required to build this kind of business(22:16) What inspired Misha to take the leap(24:13) How the pandemic upended Nova Credit's business(28:01) How Nova Credit responded when immigration came to a halt(31:00) What it was like trying to rebuild while losing momentum and people(36:24) How customer conversations guided the rebuild(38:37) Why Nova Credit added a new focus without abandoning the original(41:32) How Nova Credit's products came together as a platform(43:13) What Nova Credit's evolved mission became(45:05) How trust is built with consistency (47:51) Where Nova Credit is today(49:29) Why Nova Credit focuses on principles over politics(52:20) The importance of building for the long term (53:47) Why consistency only works when paired with value and mission(59:57) Misha's advice for aspiring entrepreneurs —You can find episode references at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.ericriesshow.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠—Production and marketing by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pen Name⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Eric may be an investor in the companies discussed.

Businesses are spending millions on AI tools hoping to accelerate time-to-market but aren't seeing organizational-level results. Laura Tacho (CTO @ DX) explains why an "individual productivity" mindset fails and how AI merely accelerates the condition of the system it enters. She provides a framework for leaders to shift to a systems-level approach, find high-leverage ROI by looking outside the 20% of time spent coding, and understand what sets high-ROI orgs apart. Plus Laura shares data literacy tools to cut through the "whiplash" of conflicting AI reports and provides key considerations for 2026 budgeting, detailing where and how companies are planning to strategically invest.ABOUT LAURA TACHOLaura Tacho is CTO at DX, a developer experience company. She previously led teams at companies like CloudBees, Aula Education, and Nova Credit. She's an expert in building world-class engineering organisations that consistently deliver outstanding results. Laura has coached CTOs and other engineering leaders from startups to the Fortune 500, and also facilitates a popular course on metrics and engineering team performance.SHOW NOTES:Downsides to approaching organizational outcomes from an individual task level (2:59)Why individual product gains don't always equate to systems-level improvements (4:56)How the quality of existing systems impacts the improvements AI can foster (7:26)Strategies for shifting mental models from the individual to systems level (9:09)Implement training & enablement techniques as an organizational lever (11:22)Common workflows that can unlock new problem-solving methods (14:46)Understanding what impact you want to see / getting the most ROI from AI (18:40)How to interpret the data when it comes to AI & its true ROI (21:22)AI data literacy for engineering leaders (23:06)Interpreting the meter study & what it means for engineers using AI (25:49)Quality vs. quantity when it comes to AI implementation on the org level (28:43)Characteristics that high-ROI companies possess when it comes to AI (30:35)Strategies to invest in that may lead to higher ROI (32:29)Laura's observations on time & money budgeting / investments for 2026 (35:28)Embracing cost savings & opportunity generation as an eng org (38:08)Tackling fear / uncertainty when it comes to AI adoption, budgeting, & ROI (40:01)LINKS AND RESOURCESPrevious Episode with Laura TachoIntroducing the AI Measurement Framework from DXAtlassian State of DevEx ReportMETR StudyDORA Report (2025)This episode wouldn't have been possible without the help of our incredible production team:Patrick Gallagher - Producer & Co-HostJerry Li - Co-HostNoah Olberding - Associate Producer, Audio & Video Editor https://www.linkedin.com/in/noah-olberding/Dan Overheim - Audio Engineer, Dan's also an avid 3D printer - https://www.bnd3d.com/Ellie Coggins Angus - Copywriter, Check out her other work at https://elliecoggins.com/about/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Kevin Moss (Senior Advisor at Baselayer, former CRO) to help launch Facing Credit, a new series where we unpack what's happening in lending right now. We start with student loans. Repayment data is finally flowing back to credit bureaus after years of paused reporting (which have inflated credit scores; lenders need to recalibrate how they read risk). Meanwhile, the SAVE program's gone, and borrowers in default could have up to 15% of their wages garnished. Around 2M people are already at risk, with more likely to follow. If federal loans move back to the private market, college access could shrink fast. Next, open banking. Chase and Plaid agreed to a deal for paid API access, while Chase also partnered with Nova Credit to expand cash-flow underwriting. Kevin's view is that cost recovery makes sense (as a former banker for 31 years, who's been in fintech for 10+ years!), and there's precedent for it, but data pricing shouldn't stifle innovation (or become a tool to protect card economics). Finally, big moves in mortgage land. FICO ended its long-time exclusive distribution arrangement with the credit bureaus and began selling scores directly to lenders. Equifax fired back by cutting VantageScore pricing and pledging free scores in 2026 for FICO users. Kevin sees this as the end of FICO's monopoly and the start of real competition. Lenders have gained leverage to rethink data models, and if the bureaus play it right, they'll win the long game. Plus, we'll close each Facing Credit episode with our guest's take on one trend (or observation) shaping the industry. This time: how will a slowing economy hit lending portfolios? Tune in for Kevin's take! Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Kevin Moss: LinkedIn: https://www.linkedin.com/in/kevin-moss-b032163/   Follow Alex Johnson:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonX: https://www.twitter.com/AlexH_Johnson

Hello, and welcome back to Cash Flow Conversations, a new miniseries sponsored by Nova Credit. Episode 3 is my conversation with Matt Zalubowski, Chief Commercial Officer and Chief Marketing Officer at Atlanticus, a subprime lender focused on offering credit cards and personal loans.  The challenge in this market is finding more ways to fairly and responsibly say YES. Cash flow data is proving to be a natural fit, driving about a 15% lift on top of traditional bureau data while widening the credit box without adding risk (and giving consumers better terms and pricing that go beyond a simple yes/no decision). We dig into how Atlanticus uses cash flow data to bridge the gap between prime cards and payday-style products, why affiliates like MoneyLion help reduce friction in permissioning, and how cash flow data enables smarter line sizing and pricing. Plus, some early results! I learned a lot in this conversation, and I trust you will, too. Subscribe now to catch the rest of Cash Flow Conversations as it comes. This miniseries is brought to you by Nova Credit. Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data.  The company is a CRA that leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill in the gaps that exist in traditional credit analytics.  Deploy cash flow underwriting confidently with Nova Credit's proven platform. Check them out at www.novacredit.com. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Matt: https://www.linkedin.com/in/mattzalubowski/ Learn more about Nova Credit here.

Hello, and thanks for joining us for the fourth and final episode of Cash Flow Conversations, a new miniseries sponsored by Nova Credit. In episode 4, I sit down with Chris Hansen, GM, Cash Atlas Solutions at Nova Credit.  Chris has probably thought more than anyone I know about how cash flow data is going to reshape the credit data and analytics ecosystem. Our conversation hinges on a big question: what could a credit bureau built around consumer-permissioned cash flow data look like? We dig into the three pillars of that vision (infrastructure for persistent access to on-us and off-us data, analytics that convert transaction streams into credit attributes and scores, and compliance that bridges FCRA requirements with Section 1033's consumer-permission rules). We also explore how consumer permissioning complicates lender workflows (while empowering consumers), the utility of real-time willingness to pay data across the lending lifecycle, and the opportunities cash flow data opens up far beyond underwriting… That's a wrap for Cash Flow Conversations! Thanks for listening; we hope you've enjoyed the journey as much as we have. This miniseries is brought to you by Nova Credit. Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data.  The company is a CRA that leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill in the gaps that exist in traditional credit analytics.  Deploy cash flow underwriting confidently with Nova Credit's proven platform. Check them out at www.novacredit.com. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Chris: https://www.linkedin.com/in/chrishansen10/ Learn more about Nova Credit here.

“Engineering leaders are stuck between the expectations put out by sensational headlines and the reality of what they're seeing in their organization. There's a big disappointment gap.”Is your AI investment paying off? Many leaders struggle to see real ROI beyond the hype.In this episode, Laura Tacho, CTO of DX, shares DX's new research on measuring AI adoption success across 38,000+ engineers. Our conversation reveals why acceptance rates are misleading metrics and introduces DX's new AI Measurement Framework™ with its three critical dimensions: utilization, impact, and cost. Learn why treating AI as an organizational problem closes the “disappointment gap” between hype and reality.Note: This episode was recorded in July 2025. The AI adoption rate mentioned has since risen to nearly 80%.In this episode, you will learn about:The “Disappointment Gap” between AI hype and realityWhy the popular “acceptance rate” metric is misleadingThe DX AI Measurement Framework™ and its three dimensionsThe top time-saving AI use case (it's not code generation!)How AI impacts long-term software quality and maintainabilityWhy organizational readiness matters for successful AI adoptionThe bigger bottlenecks beyond coding that AI has not yet solvedTreating AI agents as team extensions, not digital employeesTimestamps:(00:00:00) Trailer & Intro(00:02:32) Latest DX Research on AI Adoption(00:03:54) AI Role on Developer Experience(00:05:43) The Current AI Adoption Rate in the Industry(00:09:27) The Leader's Challenges Against Al Hype(00:13:22) Measuring AI Adoption ROI Using Acceptance Rate(00:17:39) The DX AI Measurement Framework™(00:23:05) AI Measurement Framework: Utility Dimension(00:27:51) DX AI Code Metrics(00:30:31) AI Measurement Framework: Impact Dimension(00:32:57) The Importance of Measuring Productivity Holistically(00:35:54) AI Measurement Framework: Cost Dimension(00:38:34) AI Second Order Impact on Software Quality and Maintainability(00:42:38) The Danger of Vibe Coding(00:46:31) Treating AI as Extensions of Teams(00:52:31) The Bigger Bottlenecks to Solve Outside of AI Adoption(00:55:47) DX Guide to AI-Assisted Engineering(01:00:38) Being Deliberate for a Successful AI Rollout(01:02:32) 3 Tech Lead Wisdom_____Laura Tacho's BioLaura Tacho is CTO at DX, a developer intelligence platform, co-author of the Core 4 developer productivity metrics framework, and an executive coach. She's an experienced technology leader and engineering leadership coach with a strong background in developer tools and distributed systems.Her career includes leadership roles at organizations such as CloudBees, Aula Education, and Nova Credit, where she specialized in building high-performing engineering teams and delivering impactful products. Laura has worked with thousands of engineering leaders as they work to improve their engineering practices with data.Follow Laura:LinkedIn – linkedin.com/in/lauratachoTwitter – x.com/rhein_weinWebsite – lauratacho.com AI Measurement Framework – getdx.com/whitepaper/ai-measurement-framework/?utm_source=techleadjournal Guide to AI-Assisted Engineering – getdx.com/guide/ai-assisted-engineering/?utm_source=techleadjournalAI code metrics – getdx.com/ai-code-metricsLike this episode?Show notes & transcript: techleadjournal.dev/episodes/233.Follow @techleadjournal on LinkedIn, Twitter, and Instagram.Buy me a coffee or become a patron.

Hello, and welcome to Cash Flow Conversations, a new podcast miniseries sponsored by Nova Credit. If you've followed my work, you'll know that I'm obsessed with cash flow data (and underwriting more specifically). That's because it has enormous potential to positively reshape consumer lending in the U.S. As banks, credit unions, and fintechs move from theory to practice, this series will chronicle how cash flow data is being put to work across the lending lifecycle. Episode 1 sets the tone for the series, featuring a live panel I moderated at Nova Credit's Cash Flow Underwriting Summit earlier this month. Joining me are: Chris McCall, Head of Consumer Credit and Pricing at Citizens Bank Bill Garber, SVP, Credit Policy and Analytics at Navy Federal Credit Union Munish Pahwa, EVP and Chief Risk Officer at Sallie Mae We dig into how cash flow data stacks up against traditional credit data, what it means for lenders' models, how it changes the borrower experience, the guardrails around it — and why getting a clearer view of consumers' financial lives is vital in today's uncertain environment. Hope you enjoy the conversation as much as I enjoyed facilitating it! Subscribe now to catch the rest of Cash Flow Conversations as it comes. This miniseries is brought to you by Nova Credit. Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data.  The company is a CRA that leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill in the gaps that exist in traditional credit analytics.  Deploy cash flow underwriting confidently with Nova Credit's proven platform. Check them out at www.novacredit.com. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Chris: https://www.linkedin.com/in/chris-mccall-732b6b Follow Bill: https://www.linkedin.com/in/bill-garber-611234191/ Follow Munish: https://www.linkedin.com/in/munish-pahwa-ph-d-2a563210/ Learn more about Nova Credit here.

Hello, and welcome back to Cash Flow Conversations, a new podcast miniseries sponsored by Nova Credit. We're exploring how cash flow data moves from theory (“this is intriguing”) to practice (“wow, that worked!”) across the consumer lending lifecycle.  It's risky to try something new; especially when said new thing has the potential to increase credit losses, add friction, or create compliance risk. So, how can we de-risk big change? And how can we design experiments to surface unknowns while keeping credit, compliance, and operational risk in check? That's the focus of episode 2, built around a real case study: PayPal's experiment testing whether cash flow data could strengthen underwriting for its pay-in-4 BNPL product.  (Spoiler: it did.) Joining me to unpack the results are: Anand Bhushan, Global Head of Credit, Pay Later Products at PayPal and Nikki Cross, Senior Director of Data Science Solutions at Nova Credit. We dig into how PayPal built the business case for cash flow underwriting, what they learned from strong consumer uptake, real-time approvals, and scores that beat bureaus – and how Nova Credit helped de-risk the process and scale the data across the credit lifecycle.   Subscribe now to catch more episodes of Cash Flow Conversations, coming soon! This miniseries is brought to you by Nova Credit. Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data.  The company is a CRA that leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill in the gaps that exist in traditional credit analytics.  Deploy cash flow underwriting confidently with Nova Credit's proven platform. Check them out at www.novacredit.com. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Anand: https://www.linkedin.com/in/anand-bhushan-60325445/ Follow Nikki: https://www.linkedin.com/in/nikkicrosspatrick/Learn more about Nova Credit here.

In Episode 19 of Miles Ahead: The Canadian Points Podcast, Daniel, Jeff, and Josh from FrugalFlyer.ca discuss recent news in the world of miles and points, in addition to answering listeners' questions. The miles and points news that is discussed includes Hyatt's new award calendar feature, a new Aspire Lounge at Montreal International Airport, and how to utilize Alaska Miles for Porter flights. The episode also covers how you can buy Porter Airlines status with AIR MILES, how Nova Credit is no more, and how Citibank recently added American Airlines as a transfer partner. The team also answers listener questions about annual fee credit cards for students and achieving Super Elite 100K status without flying.

In today's 40 Minute Mentor episode, we're joined by Nicky Goulimis and Nico Barawid, the Founders of early-stage FinTech Tunic Pay, the only fraud vendor designed specifically for scams. Prior to building Tunic Pay, Nicky scaled Nova Credit, the credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data. And Nico built Casai, which was Latin America's largest short-term rental operator.  With so much experience in building successful FinTech ventures, this episode is a great listen for anyone thinking about starting a FinTech, or for anyone currently in the thick of scaling. 

May is Mental Health Awareness Month, so we've pulled together some of the most vital stories from some of the star legal and business experts we've featured on The Abstract about managing stress, achieving a healthy work/life balance, dealing with tragedies at home, leaving toxic working environments and more. Keep listening and feel inspired to make a positive change in your life and career.Read detailed summary: https://www.spotdraft.com/podcast/episode-98TopicsIntroduction: 0:00 Ryan Nier, General Counsel at Nova Credit on imposter syndrome and feeling like an outsider in the legal community: 0:43 Joe Sullivan, ex-Chief Security Officer at Uber, Facebook, and Cloudflare on managing the stress of a federal indictment: 6:49 Lawtrades Co-Founders Raad Ahmed and Ashish Walia on how to support your business partner during difficult times: 11:36 Dan Haley, General Counsel and Corporate Secretary at Guild, on balancing work and life after a cancer diagnosis: 14:07 Zoe McMahon, Head of Legal Ops at HP, on mindfulness and bringing parts of your private self into the workplace: 16:47 Laura Frederick, CEO of How to Contract on the importance of seeing a therapist: 18:59Connect with us:Tyler Finn - https://www.linkedin.com/in/tylerhfinnSpotDraft - https://www.linkedin.com/company/spotdraftSpotDraft is a leading contract lifecycle management platform that solves your end-to-end contract management issues. Visit https://www.spotdraft.com to learn more.

What if you never really wanted or expected to become a lawyer? How do you navigate imposter syndrome? And where do you find meaning in your work?Join Ryan Nier, General Counsel, Chief Compliance Officer, and Head of People at Nova Credit, as he shares his career path from being a self-taught computer programmer who founded his own start-up to a decade as a litigation associate at a global law firm, eventually landing as a general counsel at companies with a positive impact on the world.Listen as Ryan discusses his struggles with imposter syndrome, feeling like the only person in the room with a unique background, hiring great people for roles you've never done before, and his side project of creating a documentary podcast about the time he and his brother dug up some (literal) buried gold.Read detailed summary: https://www.spotdraft.com/podcast/episode-85TopicsIntroduction 0:00Starting as a software engineer: 2:17Enrolling in law school: 5:34Managing imposter syndrome: 9:58Hiring diverse talent: 16:44Why representation matters: 23:42Transitioning to in-house legal: 27:08Making the leap to general counsel: 32:22Expanding beyond legal into the people function: 39:52Creating and hosting a podcast about your family: 45:18Rapid-fire questions: 53:30Connect with us:Ryan Nier - https://www.linkedin.com/in/ryannier/Tyler Finn - https://www.linkedin.com/in/tylerhfinnSpotDraft - https://www.linkedin.com/company/spotdraftSpotDraft is a leading contract lifecycle management platform that solves your end-to-end contract management issues. Visit https://www.spotdraft.com to learn more.

“Now more than ever, engineering leaders are being asked to be more transparent with how their work is getting done. Every single thing that an engineering team works on needs to benefit the business.” Laura Tacho is the CTO of DX and a leading voice in the world of developer experience and productivity. In this episode, we explore the ever important role of aligning developer experience with business goals and discuss the DX Core 4, a new developer productivity framework recently published by DX. Laura shares how engineering leaders can leverage intuition for data-driven decisions and effectively communicate the impact of engineering initiatives in business language. We discuss the importance of balancing business goals with engineering needs and delve into the process of building a strong business case for improving developer experience. Discover the new DX Core 4 framework as Laura breaks down its four dimensions, key metrics, and actionable strategies for measuring and enhancing developer productivity. Learn how DX Core 4 complements existing frameworks, such as DORA, SPACE, and DevEx, and why it suggests “diffs per engineer” as a valuable metric to measure. Understand the Developer Experience Index (DXI) and why internal developer platforms and AI play crucial roles in improving developer experience. Tune in to learn new valuable insights on developer experience and how to measure, communicate, and improve developer productivity effectively.   Listen out for: Career Turning Points - [00:02:13] Following Your Intuition - [00:05:36] Business Oriented Engineering Leaders - [00:08:06] Explaining Tech Debt - [00:12:01] Balancing Between Engineering and Business Focus - [00:16:53] Building a Case for Improving Developer Experience - [00:21:00] DX Core 4 - [00:22:46] DX Core 4 vs Others (DORA, SPACE, DevEx) - [00:25:19] The DX Core 4 Dimensions - [00:26:49] Diffs per Engineer - [00:30:32] Impact Dimension - [00:33:27] Measuring DX Core 4 - [00:34:59] Developer Experience Index (DXI) - [00:38:19] Impact of Implementing DX Core 4 - [00:41:54] Best Strategy to Improve Developer Experience - [00:44:26] Internal Developer Platform & AI - [00:47:52] The Importance of Talking to the Developers - [00:51:40] 3 Tech Lead Wisdom - [00:54:18] _____ Laura Tacho's BioLaura Tacho is CTO at DX, a developer experience company. She's a technology leader with a successful track record leading engineering and product development teams at companies like CloudBees, Aula Education, and Nova Credit. She's been building developer tools and working on improving developer productivity for over 10 years, all the way from the heyday of IaaS and PaaS on cloud, through Docker and containers, CI/CD, and now as part of DX. She's also an executive coach for engineering leaders and an expert in building world-class engineering organisations that consistently deliver outstanding results. Laura has coached CTOs and other engineering leaders from startups to the Fortune 500, and also facilitates a popular course on metrics and engineering team performance. Follow Laura: Website – lauratacho.com LinkedIn – linkedin.com/in/lauratacho DX Core 4 – getdx.com/research/measuring-developer-productivity-with-the-dx-core-4 Developer Productivity Metrics Course - lauratacho.com/developer-productivity-metrics-course _____ Our Sponsors Enjoy an exceptional developer experience with JetBrains. Whatever programming language and technology you use, JetBrains IDEs provide the tools you need to go beyond simple code editing and excel as a developer.Check out FREE coding software options and special offers on jetbrains.com/store/#discounts.Make it happen. With code. Manning Publications is a premier publisher of technical books on computer and software development topics for both experienced developers and new learners alike. Manning prides itself on being independently owned and operated, and for paving the way for innovative initiatives, such as early access book content and protection-free PDF formats that are now industry standard.Get a 40% discount for Tech Lead Journal listeners by using the code techlead24 for all products in all formats. Like this episode?Show notes & transcript: techleadjournal.dev/episodes/198.Follow @techleadjournal on LinkedIn, Twitter, and Instagram.Buy me a coffee or become a patron.

The resources that consumer lenders have to work with today are better than ever before. Gone are the days when risk officers could just pull a bureau file and have access to the best data about a potential borrower. The credit infrastructure tools today are more sophisticated and predictive, allowing lenders to serve more borrowers without expanding their credit box.My next guest on the Fintech One-on-One Podcast is Misha Esipov, the CEO and Co-Founder of Nova Credit. They are at the forefront of this movement to bring more and better data to lenders and have become one of the leading credit infrastructure companies. I last had Misha on the show back in 2017 when they were just a startup, so a lot has obviously changed since then.In this podcast you will learn:How Misha describes Nova Credit today.Why they decided to move beyond the Credit Passport product.The performance of the Credit Passport borrowers with American Express and others.How the Credit Passport works.The history of Cash Atlas and why they got into cash flow underwriting.The challenges of building a cash flow underwriting engine.What Income Navigator is and how it works.The different types of income they work with.Why they launched the Nova Credit back in March and why it is significant.The types of financial institutions they are focused on today.What is driving the new attention paid to alternative data.What they learned from their State of Alternative Data in Lending 2024 report.Some of the best practices in implementing cash flow underwriting.How lenders are using cash flow underwriting today.Why they decided to create the Cash Flow Underwriting Summit.What is on their roadmap for the next 12-18 months.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Join us on the Lending Link Podcast, powered by GDS Link, where we explore the latest in data decisioning and credit risk solutions. In this episode, host Rich Alterman chats with Misha Esipov, the CEO and co-founder of Nova Credit. Since its launch in 2016, Nova Credit has been breaking new ground in credit infrastructure and analytics, helping lending institutions streamline their processes and grow responsibly. Listen to learn how Nova Credit is creating a more inclusive financial system and transforming the credit industry. Remember to subscribe to The Lending Link Podcast on Apple Podcasts, Spotify, or wherever you get your podcasts.

Our expert hosts, David M. Brear, is joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week, including the news that HSBC is being fined by the Bank of England's financial stability arm after failing to adequately protect its customers in the event of a banking collapse. Plus, Nova Credit is stepping up to support Ukrainian refugees, and Mastercard want to get rid of passwords. This week's guests include: Rachel Pandyan, Ventures Product Lead at 11:FS Doug Mackenzie, Chief Content Officer at Fintech Finance Anil Stocker, CEO of Kriya We cover the following stories from the fintech and financial services space: Kriya uses funding boost to power up B2B embedded finance offering (04:34) Mastercard wants to replace passwords with biometric authentication (17:38) Nova Credit helps Ukrainians in UK, US and Canada get credit (28:45) HSBC fined £57m by Bank of England for 'serious' deposit protection failings (38:32) PayPal to reduce global workforce by 9% in 2024 (46:17) GoHenry petitions for financial literacy in schools to UK government (48:57) British actor Tom Hollander accidentally receives Spider-Man's bonus cheque (51:19) --------------------------------------- Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things finance, banking, technology, and financial services.  Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including guests from Visa, Nubank, M-Pesa, AltFi, Starling, and JP Morgan Chase to discuss the latest news, developments, and trends within the industry. Our weekly news show drops every Monday and tackles the biggest news stories, from acquisitions and launches, to regulatory changes and innovation. Then, every Friday our Insights show dives deeper into the hottest topics shaping the industry like web3 and BNPL. Whether you're already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you. If you enjoyed this episode, don't forget to **subscribe** and **please leave a review** Follow us on **Twitter**: @fintechinsiders where you can ask the hosts questions, or **email** podcasts@11fs.com!

Laura Tacho, CTO @ DX, joins us to discuss why changing what you measure doesn't necessarily lead to improved productivity (and what to do about it)! How to define and measure productivity in your eng org is one of the hottest topics for eng leaders… We cover best practices for identifying what productivity looks like in your org, what motivates your team to reach those goals, how to harness behavioral psychology, and antipatterns to avoid when you focus on productivity. Plus Laura shares some of her favorite practices to identify your skill gaps, and how define what success looks like for yourself and your teams on your productivity journey.ABOUT LAURA TACHOLaura Tacho is CTO at DX, a developer experience company. She previously led teams at companies like CloudBees, Aula Education, and Nova Credit. She's an expert in building world-class engineering organizations that consistently deliver outstanding results. Laura has coached CTOs and other engineering leaders from startups to the Fortune 500, and also facilitates a popular course on metrics and engineering team performance."That is just a ripe environment for the rapid degradation of trust within an organization and has immeasurable consequences when it comes to degrading the culture of a team. I think the temptation is there, understandably, and I think from good intentions of, ‘I want to try to measure unobtrusively. I want to get this data about my team without them knowing about it or minimally knowing about it so that I'm not bothering them.' That is a trap because we don't need to treat people the same way we treat distributed systems with dashboards and dashboards of telemetry data. People can talk. Just ask them.”- Laura Tacho   This episode is brought to you by incident.ioincident.io is trusted by hundreds of tech-led companies across the globe, including Etsy, monday.com, Skyscanner and more to seamlessly orchestrate incident response from start to finish. Intuitively designed, and with powerful and flexible built-in workflow automation, companies use incident.io to supercharge incident response and up-level the entire organization.Learn more about how you can better identify, learn from, and respond to incidents at incident.ioInterested in joining an ELC Peer Group?ELCs Peer Groups provide a virtual, curated, and ongoing peer learning opportunity to help you navigate the unknown, uncover solutions and accelerate your learning with a small group of trusted peers.Apply to join a peer group HERE: sfelc.com/peerGroupsSHOW NOTES:Why people care so much about measuring productivity in engineering (3:25)Antipatterns to avoid when tightening focus on productivity (5:08)The role of behavioral psychology with engineering productivity (7:04)What the ideal consulting relationship looks like structurally (8:58)Ensure you're incentivizing the behavior you want to achieve (12:20)How to cultivate the skill of influencing without feeling too “salesy” (13:59)Understanding the different facets / types of motivation (17:08)Strategies for developing resiliency in “do more with less” environments (19:14)Behaviors that prevent eng orgs & leaders from achieving their goals (23:55)How to identify areas of personal development & closing the skill gap (27:00)Areas that are the most ripe for setting the right expectations / outcomes (29:40)Best practices for eng leaders to gain clarity & define what success looks like (32:01)Rapid fire questions (35:52)LINKS AND RESOURCESRemarkably Bright Creatures -Shelby Van Pelt's exploration of friendship, reckoning, and hope, tracing a widow's unlikely connection with a giant Pacific octopus.This Podcast Will Kill You - Grad students studying disease ecology, Erin and Erin found themselves disenchanted with the insular world of academia. They wanted a way to share their love of epidemics and weird medical mysteries with the world, not just colleagues.lauratacho.com - Laura's website where you can find more information about her courses, coaching, and management program.This episode wouldn't have been possible without the help of our incredible production team:Patrick Gallagher - Producer & Co-HostJerry Li - Co-HostNoah Olberding - Associate Producer, Audio & Video Editor https://www.linkedin.com/in/noah-olberding/Dan Overheim - Audio Engineer, Dan's also an avid 3D printer - https://www.bnd3d.com/Ellie Coggins Angus - Copywriter, Check out her other work at https://elliecoggins.com/about/

Unlocking Opportunities: Fostering Financial Well-being for Newcomers to Canada

Our expert host, Benjamin Ensor, is joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Collin Galster, Head of International at Nova Credit Shaun Puckrin, VP of Product at Checkout.com Amelia Isaacs, Senior Reporter at AltFi We cover the following stories from the fintech and financial services space: HSBC and Nova Credit offer international credit history checks to UK immigrants (https://www.novacredit.com/corporate-blog/hsbc-uk-partners-with-nova-credit-to-become-first-uk-bank-to-offer-newcomers) Mercedes-Benz and Mastercard roll out in-car payments (https://www.fintechfutures.com/2023/09/mercedes-benz-drives-in-car-fuel-payments-through-new-mastercard-partnership/) Standard Life and Moneyhub launch a pensions dashboard (https://www.altfi.com/article/standard-life-and-moneyhub-to-launch-commercial-pensions-dashboard) Checkout.com launch their own network tokens (https://www.checkout.com/products/network-tokens) JP Morgan Chase ban crypto payments (https://www.reuters.com/technology/jpmorgans-uk-bank-chase-ban-crypto-transactions-2023-09-26/) Fujitsu trial Gen-AI in Japanese banks (https://www.finextra.com/newsarticle/43006/fujitsu-trials-gen-ai-for-japanese-banks?utm_medium=dailynewsletter&utm_source=2023-9-25&member=157701) Swift and Wise team up (https://thepaypers.com/payments-general/swift-partners-with-wise#) A hapless lorry driver disguises £70,000 of criminal cash as a sandwich (https://www.essex.police.uk/news/essex/news/news/2023/september/money-hidden-as-sandwiches/#:~:text=RET%20officers%20arrested%20the%20driver,size%20of%20packets%20of%20sandwiches) Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things finance, banking, technology, and financial services. Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including guests from Visa, Nubank, M-Pesa, Techcrunch, Starling, and JP Morgan Chase to discuss the latest news, developments, and trends within the industry. Our weekly news show drops every Monday and tackles the biggest news stories, from acquisitions and launches, to regulatory changes and innovation. Then, every Friday our Insights show dives deeper into the hottest topics shaping the industry like web3 and BNPL. Whether you're already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Amelia Isaacs, Collin Galster, and Shaun Puckrin.

Did you know that over 1900 companies and 8000 agents are using Canopy Connect to increase conversion in insurance sales and verification? Today we talk to Tolga Tezel, Founder & CEO at Canopy Connect, who was an early engineer at Dropbox. He helped build Nova Credit for US newcomers to obtain fair access to credit through their international data. These experiences drove him to discover other areas where consumers have a difficult time getting value and convenience from their own data. From 2019 he began interviewing literally hundreds of insurance agencies and learned that getting accurate, comprehensive data from their prospects and customers was painfully difficult. Tolga says that consumers want insurance to be personalized, seamless and easy, and they want basic control over their data, and carriers need better data to write better risks. Canopy Connect provides the technical infrastructure to do so. Follow the Insurtech Leadership Podcast airing weekly hosted by Joshua R. Hollander. We give you up-close access and personal insights from the leaders of the fastest-growing #insurtechs and most innovative #insurance carriers and brokers.

Accessing the necessary credit history in order to get access to certain financial services can be difficult for newcomers to Canada. Nova Credit is a credit bureau that aims to address that challenge. CEO and Founder, Misha Esipov, joins us to talk about how they are accomplishing this. Find out more at novacredit.com and connect with Nova Credit on LinkedIn and Twitter. Connect with Misha on Twitter and LinkedIn.

How to feel financially and emotionally fulfilled.  Manisha Thakor takes us through her book MoneyZen: The Secret To Finding Your Enough. Budgeting tips for your big day. We'll speak to Karen Cleveland, co-author of The New Wedding Book: A Guide To Ditching All The Rules, about ways you can limit financial stress when planning your wedding. Then, allowing immigrants to have fair access to credit products. Misha Esipov, founder and CEO of Nova Credit, tells us how his company is looking to take away some of the barriers newcomers to Canada face. Plus, We'll speak to Adam Carroll, founder of The Shred Method, about how it works. To find out more about the guests check out: Misha Esipov: Twitter | LinkedIn Nova Credit: LinkedIn |Twitter Manisha Thakor: com | Twitter | Facebook, LinkedIn | Instagram Karen Cleveland: Twitter | Instagram | LinkedIn Adam Carroll: Instagram | LinkedIn | YouTube The Shred Method: com | Instagram Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

En este emocionante nuevo episodio, tenemos noticias que cambiarán tu perspectiva financiera en Estados Unidos. ¿Estás listo para dar un gran salto hacia el éxito financiero en los Estados Unidos? Preparate para conocer la asociación estratégica definitiva entre Visa Franchise y Nova Credit. ¿Alguna vez has soñado con tener en tus manos una Tarjeta American Express? Esta icónica tarjeta, respetada y reconocida en todo Estados Unidos, no solo será tuya, sino que será tu aliada para construir una base financiera sólida en este país lleno de oportunidades. Descubre cómo la tecnología innovadora de Nova Credit evalúa tu historial crediticio internacional y te brinda una puntuación de crédito equivalente en Estados Unidos. Solicita online las tarjetas American Express: https://hello.novacredit.com/cards?referrer=visa-franchise Programa una U.S. Business Consultation hoy mismo: info@visafranchise.com Solicita ser cliente: https://www.visafranchise.com/es/client-application #CómoSACARunaTARJETAdeCRÉDITO #FranquiciaAmericana Puedes seguirnos en: https://twitter.com/FranquiciaAmer https://www.youtube.com/channel/UCY6IFpdAMOJIvlHhL3sUskg https://www.tiktok.com/@franquiciaamericana --- Send in a voice message: https://podcasters.spotify.com/pod/show/visa-franchise/message

I've been an immigrant three times: into Denmark with Experian, into Hong Kong with HSBC, and most recently into the UK with TransUnion. So, I understand some of the issues immigrants face, but you'll also notice that each of my moves was made under the wing of a big financial services company, which made for soft'ish landings. Most people don't have the same support. And it is not just about getting a credit card in week one, it's about getting a phone contract, renting a house without needing to make a six-month layout, or maybe furnishing a new apartment.That's what I'm discussing today with Matt Davies as Nova Credit expands its cross-border credit reference service to the UK.More about Nova can be found here: https://www.novacredit.com/uk (or https://www.novacredit.com/uk/business if you want to get straight to work)You can also check out American Express's use of the Nova plug-ins here: https://www.americanexpress.com/us/credit-cards/features-benefits/us-newcomers/ And Misha Esipov, co-founder and CEO of Nova Credit, was on this show in its early days: so if you're interested in more of the background, listen here https://www.howtolendmoneytostrangers.show/episodes/episode-11You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect), my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is at https://confirmu.com/ and on episode 24 of this very show https://www.howtolendmoneytostrangers.show/episodes/episode-24If you have any feedback, questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.Regards, Brendan Hosted on Acast. See acast.com/privacy for more information.

What does the future hold for shielded transactions? How can #shieldedtransactions/#privacy-protecting initiatives change the way we interact in society? What can we do to safeguard our identities in the future of this #crypto economy? Are there certain utopias and dystopias to embrace or to avoid?*Avichal Garg, Electric Capital | Shielded Transaction Special | Trailer*Avichal Garg is a co-founder and partner on the investment team at Electric Capital. He is a successful serial entrepreneur with executive experience at Google and Facebook, which acquired his previous company in 2012. At Facebook he was Director of Product Management for the Local product group, a team of 400 engineers responsible for billions in revenue.Prior to Electric, Avichal was an investor in crypto projects such as Anchorage, Bitwise, Celo, dYdX, Lightning Labs, and OpenSea and unicorns such as Airtable, Boom Supersonic, Color Genomics, Cruise, Deel, Figma, Material Secutiy, Newfront Insurance, Notion, Nova Credit, and Pulley.https://avichal.com/The Foresight Institute is a research organization and non-profit that supports the beneficial development of high-impact technologies. Since our founding in 1987 on a vision of guiding powerful technologies, we have continued to evolve into a many-armed organization that focuses on several fields of science and technology that are too ambitious for legacy institutions to support.Allison Duettmann is the president and CEO of Foresight Institute. She directs the Intelligent Cooperation, Molecular Machines, Biotech & Health Extension, Neurotech, and Space Programs, Fellowships, Prizes, and Tech Trees, and shares this work with the public. She founded Existentialhope.com, co-edited Superintelligence: Coordination & Strategy, co-authored Gaming the Future, and co-initiated The Longevity Prize. Apply to Foresight's virtual salons and in person workshops here!We are entirely funded by your donations. If you enjoy what we do please consider donating through our donation page.Visit our website for more content, or join us here:TwitterFacebookLinkedInEvery word ever spoken on this podcast is now AI-searchable using Fathom.fm, a search engine for podcasts.  Hosted on Acast. See acast.com/privacy for more information.

This week, Eoin Fitzgerald and Pete Townsend riff on the latest US regulatory crackdown in crypto markets, how NBA Top Shot on the Apple app store is a leading indicator of our wider society's digital asset adoption whether we realize it or not, trouble in Banking-as-a-Service land with Solaris, Nova Credit's entry to the UK market, and Revolut's Irish Trojan Horse. STORIES COVERED: Crypto markets on edge as U.S. regulatory crackdown on industry intensifies (CNBC, 14-Feb-23) NBA Top Shot Will Let Users Buy NFTs via Apple, Android Mobile Apps (Decrypt (via Pet Berisha @ Sporting Crypto) 16-Feb-23) Solaris Setback Spells Trouble For European Fintech Scene (Meaghan Johnson in Forbes, 15-Feb-23) Nova Credit wins FCA authorisation (Finextra, 19-Jan-23) Revolut rolls out credit cards in Ireland (Finextra, 20-Feb-23) NatWest to buy workplace savings fintech Cushon for $174 mln (Reuters (via Lex Sokolin's Fintech Blueprint) 13-Feb-23) LINKS: Leave a review and subscribe on Apple Podcasts | Spotify Check out our MoneyNeverSleeps website and email us at info@moneyneversleeps.ie Follow us on Twitter: MoneyNeverSleeps | Eoin Fitzgerald | Pete Townsend --- Support this podcast: https://podcasters.spotify.com/pod/show/moneyneversleeps/support

Our expert hosts, Benjamin Ensor and Amy Gavin, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Collin Galster, VP - International, Nova Credit/Non-Executive Director, Nova Credit UK Umer Suleman, Global Head of Risk, Wahed Invest With soundclips from: Mauricio Magaldi, Global Strategy Director of Crypto, 11:FS We cover the following stories from the fintech and financial services space: Nova Credit becomes UK's first cross-border credit reference provider - 5.25 Aramco-backed fintech opens bank branch in London to help Muslims invest - 17.20 US banks plan payment wallet to compete with PayPal, Apple Pay - 28:45 Brazil and Argentina to discuss common currency - 40:55 Keyzy raises £3m to help first-time buyers get a leg up on the property ladder- 48:40 India's PhonePe tops $12bn valuation in new funding - 50:25 Fintech Insider mailbag - 52:00 Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Send us your questions for the Fintech Insider Mailbag here (https://11fscompany.typeform.com/to/kBMan5qL?typeform-source=t.co) Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Collin Galster, Mauricio Magaldi, and Umer Suleman.

A recent survey commissioned by Nova Credit found that nearly half of immigrants said a U.S. credit card is hard to obtain. Without a credit card or any type of credit history to their name, immigrants are likely to find themselves identified as “credit invisible” and unable to establish their financial identities. On this episode, we learn from those with firsthand experience navigating the American credit system as immigrants and how they're channeling lessons-learned into solutions that are making the pool of creditworthy people more inclusive. First, we hear from Kristy Kim, co-founder and CEO of TomoCredit. As a young South Korean immigrant, Kristy was unable to get approved for a car loan simply because she didn't have credit history. This sparked her idea to create Tomo, a credit card for those with no credit or poor credit that aims to help them build a better score, faster. Then, host Carla Harris is in conversation with Wemimo Abbey and Samir Goel, two business partners who were inspired by their own immigrant-centered upbringings to break down the barriers that not having a credit score poses. Through their company Esusu, Wemimo and Samir developed technology that shares monthly rent payments with the three major credit bureaus, expanding the types of reportable data used to help immigrants build their credit score.https://www.morganstanley.com/what-we-do/inclusive-innovation-and-opportunityDisclaimer textThe guest speakers are neither employees nor affiliated with Morgan Stanley & Co. LLC. (“Morgan Stanley”). The views and opinions expressed herein do not necessarily reflect those of Morgan Stanley. The information and figures contained herein has been obtained from sources outside of Morgan Stanley and Morgan Stanley makes no representations or guarantees as to the accuracy or completeness of information or data from sources outside of Morgan Stanley. Morgan Stanley is not responsible for the information or data contained in this podcast.This podcast does not provide individually tailored investment advice and is not a solicitation of any offer to buy or sell any security or other financial instrument or to participate in any trading strategy. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.© 2022 Morgan Stanley & Co. LLC, Members SIPC.

This week JP Nicols continues exploring the risks and opportunities in the global economy and how to balance fraud and friction with these live recordings from Money 20/20 in Las Vegas. We start in Latin America, with Sergio Almageur. Founder and CEO of Yaydoo, which simplifies finance with its B2B payment automation tools and helps small businesses manage invoices, payables, receivables, and cross-border payments. Then we connect with Misha Esipov from Nova Credit and discuss how they're addressing the challenges of immigrants and expats getting credit in the U.S. Listen to learn how to unlock opportunities for those historically excluded from the credit system and companies looking to serve them, and how Nova Credit recently partnered with HSBC to provide the bank with global access to its cross-border credit data product. https://www.youtube.com/watch?v=cyWWHTLViIo

On this week's dose, (2:39) we start things off with a discussion on Nova Credit's $10M funding round from HSBC Ventures, and how the platform's Credit Passport helps immigrants transfer credit scores from country to country, instead of starting from scratch. (6:07) Next, we dive into a discussion about Equi, and how the Austin-based investment tech startup is helping people invest like billionaires, fresh off their $15M Series A. (9:29) From there, we talk about Revelio's $15M Series A, and how the platform is positioning itself to be THE universal HR database. (13:08) Last, we close out this week's dose with a breakdown of Liquid Death, and how the edgy water company is differentiating itself from the competition, hot off a lethal $70M Series D.Sources https://novacredit.com/about/?utm_source=google&utm_medium=cpc&utm_campaign=search-branded&gclid=CjwKCAjw-rOaBhA9EiwAUkLV4kDGBMZlShUNTNvWuV2mmW4IdtkFF0Xjx77Q4a3a_G1qWvBQDIOOTBoCx4IQAvD_BwE https://www.altfi.com/article/9899_hsbc-invests-10m-in-nova-credit https://www.equi.com/learn/our-15m-series-a/ https://techcrunch.com/2022/10/06/revelio-labs-raises-cash-to-scrape-the-public-web-for-hr-insights/ https://www.reveliolabs.com/ https://www.fooddive.com/news/liquid-death-water-70m-funding-series-d/633276/ https://medium.com/scienceinc/leading-liquid-deaths-series-d-6f026ce806a3 https://liquiddeath.com/

Nova has created products to assist migrants in gaining access to credit across borders. Their partnership with HSBC brings new capabilities.This is the full interview between Fintex Nexus reporter, Isabelle Castro-Margaroli and Sarah Davies, Chief Data and Analytics Officer.

On the news show yesterday we discussed big fintech news from Celsius, Square, SWIFT, Chainlink Labs, JPMorgan Chase & Co., FTX, Nova Credit, HSBC, Caitlin Long, Do Kwon, Upstart and more.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

В етері наступний епізод нашого подкасту про Engineering-менеджмент — Going Beyond Development, у межах якого запрошуватимемо досвідчених Engineering-менеджерів з різних куточків світу.

The importance of credit is not always properly understood. To buy a cell phone, a house, or a car in the U.S. it is essential to have credit. Priya Nakra is Nova Credit's Head of Product for its Credit Passport solution. In her role, Priya leads the product and design functions for Nova's core solution that is making Nova the world's premier cross-border credit bureau. For speaking topics, Priya is able to expand on the barriers newcomers face when accessing financial services and how Nova Credit is making the financial system borderless through Credit Passport. Priya shares her family's story of immigrating from India and starting a new life in the United States, and how their journey and her personal experience helped her understand the importance of building generational wealth and assisting other immigrants to build their credit.

When you don't have enough credit data it's impossible to get a mortgage, loan or even a credit card. Misha is on a mission to bring financial equity to millions of Americans. Find out how.Between 50 and 70 million people in the US don't have enough data built up in the credit system to access financial products. The barrier is particularly high for recent immigrants to the US. Nova Credit is solving the problem by allowing people to bring their credit history with them.Alex and Misha get straight into the heart of the issue when it comes to accessing global credit data, how Credit Nova is helping bridge the gaps, and how he persuaded big finance that consumers should be the owners of their own data.Follow Misha:LinkedIn: linkedin.com/in/mishaesipovSign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/Follow Alex: LinkedIn: linkedin.com/in/alexhjohnsonTwitter: twitter.com/AlexH_JohnsonAlex is a Workweek friend, working together to produce amazing podcasts. Find out more, visit: www.workweek.com

When you don't have enough credit data it's impossible to get a mortgage, loan or even a credit card. Misha is on a mission to bring financial equity to millions of Americans. Find out how. Between 50 and 70 million people in the US don't have enough data built up in the credit system to access financial products. The barrier is particularly high for recent immigrants to the US. Nova Credit is solving the problem by allowing people to bring their credit history with them. Alex and Misha get straight into the heart of the issue when it comes to accessing global credit data, how Credit Nova is helping bridge the gaps, and how he persuaded big finance that consumers should be the owners of their own data. Follow Misha: LinkedIn: https://www.linkedin.com/in/mishaesipov (linkedin.com/in/mishaesipov) Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday:https://workweek.com/brand/fintech-takes/ ( https://workweek.com/brand/fintech-takes/) Follow Alex:  LinkedIn: https://www.linkedin.com/in/alexhjohnson (linkedin.com/in/alexhjohnson) Twitter: https://twitter.com/AlexH_Johnson (twitter.com/AlexH_Johnson)

Increasing our reach. How our Nova Credit partnership is helping more customers. Plus, celebrating new Verizon Home Internet cities and our Boston kindness mural.

This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022. It is from the track: Financial Health: Fintech Demonstrates its Impact - Sponsored by Plaid and is titled: Finance Without Borders: Enabling Financial Health for New Immigrants. Speaking at this session is Sarah Davies, Nova Credit,  with Atul Ranjan, American Express.

This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022. It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: Deep Dive into Bank Data and Cash Flow Underwriting. Speaking at this session are Shawn Princell, RIBBIT, Sarah Davies, Nova Credit, Jason Gross, Petal, Chris McKay, OppFi with Moderator: Melissa Koide, FinRegLab.

Our expert hosts, Gwera Kiwana and Sim Rai, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Eric Johansson, Fintech Editor, Verdict Brian Bender, VP of Strategic Alliances, Alloy With soundclips from: Gerrit Sindermann, Project Director, Green Digital Fintech Alliance We cover the following stories from the fintech and financial services space: Nova Credit Teams with Alloy on Inclusive Business Lending - 4:25 World's first green fintech taxonomy launched - 14:45 African growth promise tempts investors - 26:00 Embattled payments startup Bolt is cutting one-third of staff - 34:40 Bank of America boss Moynihan knocks crypto - 44:10 Varo, first chartered neobank, could run out of money by end of year, regulatory filings show - 45:40 Sex Pistols announce commemorative God Save The Queen coin and NFT - 48:50 This episode is sponsored by Alto IRA Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes? With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees. To open an Alto CryptoIRA with as little as $10, just go to www.altoira.com/insider This episode is sponsored by TrueLayer Let's face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue. At TrueLayer, we've made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast. To learn more visit: www.TrueLayer.com/payments Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Brian Bender, Eric Johansson, and Gerrit Sindermann.

Hi everyone - this is Where Credit's Due - Tearsheet's podcast covering the latest trends in lending. I'm your host Iulia Ciutina, senior reporter at Tearsheet, welcoming you to our very first episode. Today we'll be discussing how fintechs are helping immigrant communities to get access to credit, speaking with the chief executives of Nova Credit and Tomo Credit, Misha Esipov and Kristy Kim. As credit history typically stops at the border, many people who move to the US from abroad have to build consumer credit from scratch. Nova Credit wanted to address this problem and created an alternative score to assess foreign residents' creditworthiness based on their home country credit data. At Tomo Credit, founder and CEO Kristy Kim created a technical underwriting solution that would allow immigrants and others without a credit history to build a credit score. With the Tomo Credit Card, one has access to a $10,000 unsecured credit limit, the ability to build a credit score, and all the points and benefits of a credit card. Approval can be done within two minutes. There are no fees, no interest rate. Unlike other major credit cards, Tomo doesn't require a credit score and works independently of FICO.

As a three-time immigrant myself, I'm always going to pay attention when I hear that's there's a new fintech in town building credit that moves with you, doubly so when one of the co-founders of that fintech is Ash Bhatt who I first met when he was Head of Lending at Revolut, for the US and UK markets. Ash has used that international experience, and his own experience as an immigrant in London, to build Pillar as an all-in-one credit platform for anyone who finds themselves excluded from the traditional credit marketplace. As you know, the person who has withdrawn cash on the credit card is deemed high-risk, but when the person is actually withdrawing the cash why wouldn't the credit card company give them a prompt saying, “hey, did you realise if you do this, your score may go down?” Pillar will help consumers build credit scores, maintain those scores, and access credit all in one place, and you can learn more - and join their waiting list - at https://www.hellopillar.com/ This is also my first in-person recording, and while I need to improve my mic discipline, I hope the more interactive feel outweighs the little patches of poor audio. If you're interested in the risk-based pricing study I mentioned, you can read a summary on my LinkedIn page here: https://www.linkedin.com/pulse/increased-price-transparency-shake-up-hong-kong-loan-market-brendan/ And the full discussion with Misha Esipov of Nova Credit, where we cover related topics, is episode 11 - https://www.howtolendmoneytostrangers.show/episodes/episode-11 Or if it is me you're after, you can find me on my LinkedIn page (feel free to connect), and my action-adventure novels on Amazon, some versions even for free. If you have any feedback, questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site. Regards, Brendan

Our expert hosts, Gwera Kiwana and Kate Moody, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Misha Esipov, Co-founder & CEO, Nova Credit Polly Jean Harrison, Features Editor, The Fintech Times With soundclips from: Duke Ekezie-Joseph, Co-founder and Chief Growth Officer, Kippa We cover the following stories from the fintech and financial services space: US fintech Nova Credit expands into Europe to “unlock opportunities” for immigrants - 4:00 Apple's plan to pump up Apple Card and Apple Pay and win the payments war - 15:35 Nigerian fintech start-up Kippa launches digital payments offering for African SMEs - 26:45 Bank of England's fintech chief leaves for digital asset platform Fireblocks - 35:50 Russia has defaulted on its foreign debt, says S&P - 44:30 Meta is reportedly making ‘Zuck Bucks' - 46:15 UK pay falls for second month in a row as cost of living bites - 47:40 The microchip implants that let you pay with your hand - 49:30 This episode is sponsored by Alto IRA Did you know the majority of people are investing in cryptocurrency through a taxable account, when they could be using an IRA and avoiding or deferring the taxes? With an Alto CryptoIRA, you can invest in crypto without tax headaches. Create a free account in minutes. Choose from over 150 coins, and invest with as little as $10. No setup charges and no account fees. To open an Alto CryptoIRA with as little as $10, just go to www.altoira.com/insider This episode is sponsored by TrueLayer Let's face it, cards were not designed for online. Payments can take days to settle, hurting customer loyalty. While high fraud, clunky checkouts and expensive fees mean millions in missed revenue. At TrueLayer, we've made instant payments available for businesses across Europe and the UK. So you can cut costs, fight fraud and get money moving fast. To learn more visit: TrueLayer.com/payments. Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Duke Ekezie-Joseph, Misha Esipov, and Polly Jean Harrison.

Misha Esipov is the CEO and co-founder of Nova Credit, the mission-driven fintech company building a fair and inclusive financial system for the world. The consumer-permissioned credit bureau helps U.S. newcomers to use their international credit history to apply for credit cards, auto loans, rental properties and more with the Credit Passport™. Through this offering, the company has built partnerships in over 20 countries to gain real time access to over a billion credit profiles. Misha holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business. Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney. Subscribe to her weekly So Money newsletter for the latest updates and advice. Catch her weekly money videos on YouTube.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Julie is joined by Misha Esipov, Co-Founder/CEO of Nova Credit (international credit reporting agency) to discuss:What Nova Credit Does (2:27)Why They Have No Competitors (5:24)How The Pandemic Ruined Their Flagship Product (7:57)How They Retain & Gain New Users (13:17)What To Expect From Nova Credit Next (18:39)***This episode is brought to you by Secureframe: an automated security and compliance software.***New episodes every Monday and Thursday!For daily updates on the fintech space sent right to your email, subscribe to the FTT newsletter HERE.For weekly updates on the cryptocurrency and DeFi space, subscribe to the Crypto Tonight newsletter HERE.For a more in-depth breakdown and analysis of the fintech space, subscribe to the premium newsletter, FTT+, HERE.For exclusive job opportunities at high-growth fintech startups across the globe, sign up for the FTT Job Board HERE.If you're interested in learning more about the fintech policy space, check out the Policy Podcast with FTT & Plaid HERE.Follow us on Twitter:FTT - @fintechtoday_Julie - @julieverhage[Theme Song Credit]

On this episode, Dave Wiedis talks with Sarah Davies, one of the founding board members of ServingLeaders and current Head of Risk and Analytics at Nova Credit, about the importance of Christian community.

Immad Akhund, CEO of Mercury, and Sheel Mohnot, investor at Better Tomorrow Ventures, host an episode of Future of Fintech on the future of credit scores. Guests include: Ohad Samet, Cofounder & CEO of TrueAccord Maia Bittner, Head of Business Operations at Chime Matt Harris, Cofounder & CEO of Bloom Credit Kristy Kim, Cofounder & CEO of Tomo Credit Misha Esipov, Co-Founder & CEO of Nova Credit

On today’s Tank Talk! We welcome Addie Lerner, founder and general manager of Avid Ventures and Charley Ma of Alloy to talk about “The Rise of APIs in Fintech Explosion.”Guests Background:Addie Lerner is the Founder and Managing Partner of New York City-based Avid Ventures, a $68M early stage venture capital firm that has invested in fintech companies including Alloy, Nova Credit, Staircase, Lockstep, and Rapyd. Prior to starting Avid, Addie was a Principal at General Catalyst and before that she was a Senior Associate at General Atlantic in NYC and London. Addie started her career in investing at Goldman Sachs as an Analyst in the Special Situation Group.Charley Ma is currently the GM of Fintech at Alloy the identity operating system for banks and fintechs in NYC. Prior to Alloy, Charley was an early hire at Ramp in the corporate card space and Plaid in the API infrastructure space. Charley started his career at JPMorgan Chase, working across several strategy groups covering payments, APIs, blockchain, and fintech. He is also a somewhat active angel investor, primarily focused on fintech + infrastructure and has invested in companies including Unit, Moov, Finch, Codat, and many more.  In this episode we discuss:01:32 The definition of fintech03:19 The difference between tech-enabled and tech-powered04:13 What APIs are and how they are used in fintech06:08 Closed APIs versus Open APIs06:50 The benefits of APIs08:11 The growth of APIs since 201409:56 The explosive growth of Plaid and other Fintech companies11:23 How Covid and other factors are pushing traditional payment processing and alternative payments15:06 How other countries are leapfrogging the US in payments18:49 The growth of fintech for investor and credit platforms21:45 Using APIs to get credit decisions from non-traditional sources25:24 What is white-labelling27:20 Regulations around fintech31:06 The rise of the Neo-Banks33:55 Alloy’s technology around regulations35:48 The importance of data-sharing38:20 The rise of internal regulatory focus at startups40:31 The use of blockchain and cryptocurrency in mainstream financial institutions44:05 Speculation on the Visa/Plaid breakup and a potential Plaid IPO48:30 When will APIs come to insurance49:15 What is the risk associated with relying on another companies API53:30 Open banking and consumer demand and protections55:38 Negotiating fees when starting outBooks Addie Recommends:Churchill: Walking with Destiny by Andrew RobertsBook Charley Recommends:The Anatomy of the Swipe: Making Money Move by Ahmed SiddiquiFollow Matt Cohen and Tank Talks here!Podcast production support provided by Agentbee.Agency This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

When we are immigrating to a different country, often we are leaving behind many valuable things which made up our past lives. One of things we don't even think of that is critical, are our financial report cards. Even for folks who may have had stellar credit in their home country, when you get to a new nation, you can't access credit – be it student loans, credit cards, auto loans and mortgages. Essentially, we are forced to start over wherever we go, often times forcing people into poor credit situations, such as using credit cards with ridiculous interest rates, horrifying pay-day loans, etc. It may shock you to know, even countries in North America cannot carry their credit history with them be it US to Canada, Canada to US, Mexico to Canada and so on. Nova Credit aims to change this. They are acting as the world's first cross-border consumer reporting agency. They have built a global network of credit bureaus where consumers can essentially take their financial history and identity with them, wherever they go. Misha Esipov is the CEO of Nova Credit and his mission is to "enable immigrants to access credit to realize their potential." This is a huge global issue for everyone and the team at Nova Credit are offering real solutions. For more information, please visit: https://www.neednova.com/