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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/
Join us this week on Coffee with Innovate Finance for an engaging conversation with Collin Galster, COO at Nova Credit - a global FinTech powerhouse, revolutionising credit access worldwide. Discover how Nova Credit's cross-border credit bureau is transforming the landscape for lenders and consumers across 25 countries. Learn how their innovative solutions bridge credit gaps for immigrants, enabling access to financial services, and uncover insights into their UK impact, partnerships, and the future of open finance. Tune in every Friday for more episodes!
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.
Η Νίκη Γουλιμή έχει ζήσει στην Αγγλία, έχει σπουδάσει Αγγλική Φιλολογία και... ξαφνικά ίδρυσε την Nova Credit για να λύσει ένα πρόβλημα που αντιμετώπισε μεταναστεύοντας στην Αμερική: την έλλειψη χρηματοπιστωτικής εμπιστοσύνης των μεταναστών.Πιστεύει ότι τα "όχι" που λέει κάποιος δίνουν αξία στα "ναι", μιλάει για τις δυσκολίες του recruiting, το χρόνο που αφιερώνει καθημερινά στην ομάδα της αλλά δίνει και tips για το πώς να "σηκώσεις" λεφτά από VCs.Με τον Μάρκο Βερέμη, συζήτησαν για την επόμενη μέρα της ενέργειας, την μονοκουλτούρα της Silicon Valley, το ταλέντο που υπάρχει στην Ελλάδα στον τομέα του fintech καθώς και το πώς μπορείς να μεγαλώνεις ένα παιδί ενώ παράλληλα ζεις στο σύμπαν της επιχειρηματικότητας.Ευχαριστούμε τη Google για την υποστήριξή της στην παραγωγή της σειράς συζητήσεων Innovative Greeks Talks.Disclaimer: Ο ΣΕΒ προσφέρει την ευκαιρία να ακουστούν οι απόψεις και οι εμπειρίες των προσκεκλημένων στα Innovative Greeks Talks. Οι γνώμες και οι απόψεις που εκφράζονται μέσα σε αυτά είναι προσωπικές και σε καμία περίπτωση δεν απηχούν γνώμες και απόψεις του ΣΕΒ.
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 world's cross-border consumer reporting agency. Nova has built a global network of credit bureaus to empower consumers to transport their financial identity wherever they move. As CEO, Misha oversees the overall strategic direction of the firm as well as leading Nova's mission to “power a fair and inclusive financial system for the world.” Under his leadership, Nova has emerged as one of the most exciting financial technology companies from Silicon Valley in the last few years. The company is backed by Kleiner Perkins, Index, General Catalyst, First Round Capital, Y Combinator and is a Forbes Top 50 Fintech. Before Nova, Misha was a private equity investor at Apollo Global Management, a $250 billion global alternative asset manager. Misha started his career at Goldman Sachs where he helped execute over $10 billion in corporate financing, mergers and acquisitions. Learn more at https://createeveryopportunity.org/
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
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More than one million immigrants arrive in the U.S. every year, and it is predicted that immigration will drive 82% of new population growth by 2050. Yet, the lack of domestic credit history limits access to financial services, housing and even employment. Award-winning fintech Nova Credit helps newcomers and other global citizens apply for financial services using their credit history from countries around the world, providing access to the products and services most of us take for granted. We are very fortunate to have Misha Esipov, Co-Founder & CEO at Nova Credit on the Banking Transformed podcast. He will discuss the origination of this innovative service and the growth that has been achieved since Nova Credit's founding. This episode of Banking Transformed is sponsored by FIS. GoCart recognizes email addresses and lets consumers pay quickly anywhere – with no passwords and no long forms. Consumers can pay faster for anything – even things they wouldn't expect like healthcare, processional services, and more. GoCart goes beyond online checkout and allows consumers to pay easily by email, text, or with QR codes. Find out how you can use GoCart to simplify payments and increase your sales at GoCartpay.com/podcast. FIS. Advancing the way the world pays banks and invests.
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]
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Misha Episov is the CEO of Nova Credit, which he co-founded with Nicky Goulimis and Loek Jannsen when they met as graduate students at Stanford University. The company began as a research project in 2015 and has since evolved into the premier cross-border credit reporting agency. Before founding Nova Credit, Misha was a private equity investor at Apollo Global Management, a $232 billion global alternative asset manager. Misha started his career at Goldman Sachs, where he helped execute more than $10 billion in corporate financing, mergers, and acquisitions. Misha was born in Russia and immigrated to the United States after the fall of the Soviet Union. He holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business. Reference Mentioned: Mastery by Robert Greene (Book)
Stop Struggling Now - We help Improve your Personal and Business Wealth Mindset
How International Citizens Can Get US Credit. Build Your Credit Score - Nova Credit is here. International citizens who can apply: Australia, Austria, Brazil, Canada, Dominican Republic, Germany, India, Kenya, Mexico, Nigeria, Philippines, South Korea, Spain, Switzerland, United Kingdom.❤️️Nova Credit helps international citizens, refugees, etc apply for US Credit and receive US credit scores. Signup here: novacredit.com/r/eric-21e48826-b34f❤️️American Express and Nova Credit by Amex: https://www.americanexpress.com/us/credit-cards/features-benefits/us-newcomers/?eep=40528&extlink=en-us-nova-ps-BR-129980542550&gclid=Cj0KCQjw1ouKBhC5ARIsAHXNMI-8lK19y6vduGSXkEXEkJZQe_BvSqaizWfc2GewDrektI7xu7RZfJcaAvNvEALw_wcB&gclsrc=aw.ds---Personal Credit---
Ryan Zauk brings you one of the most impactful, information-dense, and fun episodes to date with Chad Beyers, Partner & Co-Founder of Susa Ventures. Susa is a sector-agnostic early-stage VC investing in areas like Enterprise Software, Fintech, Logistics, Healthcare, Consumer & Frontier Tech. Notable investments include Robinhood, Fast, Flexport, PolicyGenius, Okra, LendUp, Nova Credit, Railz, Treasury Prime, and Expanse. Chad was named to the Forbes 30 Under 30 for VC in 2015. Prior to Susa Ventures, Chad was the senior director of platform at Integrate.com and held various marketing and product roles at Silver Spring Networks, Bloom Energy, and Electronic Arts. They discuss: - His unusual path to venture and the critical tools he used to become an incredible cold-emailer, meeting a16z's Chris Dixon and BoxGroup's David Tisch - The wild story of turning a Jon Stewart taping into an internet phenomenon! - Susa Ventures and the exciting, Wharton Fintech exclusive release of their upcoming opportunities fund - Critical advice for starting your first fund (or angel investments) - His seed Robinhood investment, including the moment the lightbulb went off - Fintech trends he's most excited ]for - And much more! Mentioned in the Episode: Jon Stewart Tweet Thread: https://twitter.com/chadbyers/status/1273726486973804545?lang=en Robinhood COO: https://bit.ly/3AGEHdi Atom Finance CEO on PFOF: https://bit.ly/3hK0EzI For more Fintech insights, follow us below: Medium: medium.com/wharton-fintech WFT Twitter: twitter.com/whartonfintech Ryan's Twitter: twitter.com/RyanZauk LinkedIn: www.linkedin.com/company/wharton-fintech-club/
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
Ipshita started her career as an investment banker with Deutsche Bank. She spent three years in early-stage VC and impact investing, focused on ed-tech and fin-tech, with the Dell Foundation and Elevar Equity in India. She then started up in the ed-tech and content discovery space, democratising discovery of learning-based content across the web. She's headed to business school at Stanford GSB in the fall, and is currently working with Nova Credit, a Bay Area startup. Nova helps immigrants moving to the US access financial products in the US, using their home-country credit history, so they can start their financial journey in the US on equal footing.
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
This week we get the honor to chat with Nicky Goulimis the co-founder of Nova Credit, the world’s cross-border consumer reporting agency. Nicky talks about being a woman in leadership and the difficutlies that came with it. She also breaks down creating a groundbreaking company that has helped so many immigrants develop credit and make immigration and financial health easier. Please don’t forget to subscribe, like, share, and comment. I'd love to read your comments! Listen to the JTP: Itunes – https://www.JTPitunes.com Spotify – https://open.spotify.com/show/4G8zDAoCNX9BP35tbt4N6V Have a personal question? Join my TEXT Community today! TEXT: 647-372-0126 For Sales Tips Make Sure to Visit the Ask Jas Playlist: https://www.youtube.com/playlist?list=PLcv6qR1Ts7tehV7A65l-T-PpvW7ohZOZp For more tips and tactics; make sure to SUBSCRIBE to my newsletter https://www.jastakhar.ca/newsletter Follow me on Social: IG – https://www.instagram.com/jastakhar13/ Facebook– https://www.facebook.com/jastakhar13 Website - https://jastakhar.ca/ Book a Coffee with Jas: https://www.CoffeeWithJas.com MEET THE MEDIA SQUAD: Laura Stewart - Director of Sales & Marketing Stephen Rochester - Creative Director Clemente Alves - Multi-Media Specialist & Executive Producer Nick Bissett - Digital Content Creator Andre Jackson - Digital Content Creator Elljae - Animator Dani - Animator
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Most countries in the world today have some kind of centralized repository for credit data. But this data exists in silos, cut off from the rest of the world. For immigrants moving to a different country this has been a real problem. A doctor with a 20-year credit history earning $250,000 a year in, say, […] The post Podcast 285: Nicky Goulimis of Nova Credit appeared first on Lend Academy.
Avichal is a successful serial entrepreneur with executive experience at Google and Facebook, which acquired his previous company. At Facebook he was Director of Product Management for the Local product group. Avichal is an investor in companies such as Airtable, Boom Supersonic, Color Genomics, Cruise, Figma, Newfront Insurance, Notion, Nova Credit, Threads, and others. Electric Capital is a venture firm that invests in cryptocurrencies, blockchain based businesses, fintech companies, and marketplaces. Electric Capital and its founders have invested in crypto companies such as Anchorage, Bitwise, Celo, Coda, Coinbase, Derivadex, Mobilecoin, Oasis, and NEAR. LinkedIn: https://www.linkedin.com/in/avichalgarg/ Twitter: https://twitter.com/avichal Website: https://avichal.com
Όταν ακόμα σπούδαζε στο Stanford, η Νίκη Γουλιμή και δύο συμφοιτητές της σκέφτηκαν μια ιδέα που σήμερα έχει βοηθήσει χιλιάδες μετανάστες στην Αμερική. Δημιούργησαν την Fintech εταιρεία Nova Credit το 2015, για να διευκολύνουν την πρόσβαση σε χρηματοπιστωτικές υπηρεσίες σε μετανάστες και να χτίσουν ‘οικονομικές γέφυρες'. Η εταιρεία έχει ήδη σηκώσει συνολικά 69 εκατομμύρια δολάρια από επενδυτές. Η Νίκη, ως COO, μας μιλάει για το έναυσμα της Nova Credit, τη σημασία των πολυ-πολιτισμικών ομάδων στις εταιρείες, και πώς προέκυψε μια μεγάλη συνεργασία με την American Express.
In the last episode of Fintech@Haas in 2020, I chat with Mark Fiorentino, Principal at Index Ventures. Index is a multi-stage VC firm based in London and San Francisco and their list of fintech investments is huge and includes; Robinhood, Transerwise, Plaid, Revolut, Metromile, Privacy, Revenue Cat, Nova Credit, Prodigy and Fast. We touch on Index's structure and how it's designed to put the founder's experience first (something he mentions multiple times), Mark's personal and professional journey into fintech and his recent investment in Revenue Cat. Mark talks about areas of fintech he is interested in which include cross border B2B payments, AR/AP tools and solutions for Finance teams. It includes a shout out to one of his favourite newsletters Fintech Today by Ian Kar and Julie VerHage and to Harry Stebbing's podcast. Check out my fintech newsletter here ( fintechacrossthepond.com ) !
Hello and welcome to the Diverse VC business podcast where social is the new capital. I'm your host Alec Taylor, the Founder of Diverse VC. On today's Part 2 Podcast we will Akinyi Ochieng. She leads marketing at Nova Credit, a fast-growing financial technology company that has raised $70m in funding to date in support of its vision of a world beyond borders. Prior to Nova Credit, she managed communications at WorldRemit, the leading digital remittance company. Akinyi is a passionate advocate for technology in emerging markets and a champion of African innovation. She's written for the World Economic Forum, Forbes, CNBC and more on business, culture and politics. Thanks for listening to the DiverseVC Business Podcast! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/diversevc/support
Hello and welcome to the Diverse VC business podcast where social is the new capital. I'm your host Alec Taylor, the Founder of Diverse VC. On today's Part 1 Podcast we will Akinyi Ochieng. She leads marketing at Nova Credit, a fast-growing financial technology company that has raised $70m in funding to date in support of its vision of a world beyond borders. Prior to Nova Credit, she managed communications at WorldRemit, the leading digital remittance company. Akinyi is a passionate advocate for technology in emerging markets and a champion of African innovation. She's written for the World Economic Forum, Forbes, CNBC and more on business, culture and politics. Thanks for listening to the DiverseVC Business Podcast! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/diversevc/support
Fintech@Haas sits down with Betsy McCormick,Head of Customer Success at Nova Credit. Nova Credit is building a global credit bureau to provide underserved individuals with a credit profile in the US. We touch on Covid and immigration challenges currently, challenges of leading a B2B2C Customer success team and why is there not already a global credit score provider? An awesome conversation with another Berkeley Haas MBA Class 2015!
Adina is an immigration attorney and expert on personal finances for immigrants. She runs ImmigrantFinance.com, a personal finance website for immigrants. Adina has taught dozens of webinars and seminars on personal finances for the immigrant community and been featured in Crazy Sexy Dinero Podcast, the Debt Free Guys Podcast, the Money Matters Radio Show, Fundera, Forbes, Aspiration, Camino Financial, Voz de Americas, Nova Credit, among other media outlets. She is a graduate of Georgetown University Law Center and Washington University in St. Louis. Adina became passionate about helping immigrants develop financial stability after personally experiencing the challenges and frustrations of navigating the U.S. financial system with her husband who is an immigrant. When he immigrated to the U.S., it was terrifying for them to try to figure out basic personal finance steps on their own. They didn't know if he could have a bank account or credit card with his visa. Or what would happen if he lost his visa and ability to work. Could he have a mortgage or health insurance as an immigrant? What taxes did he need to pay? There were no books or websites available to figure out the answers to any of these questions. They were overwhelmed, scared, and felt alone. They had to figure it all out on their own, but they don't want you to struggle like they did. Immigrant Finance School is exactly what they wish they had during this time – a community for learning and support on personal finance for immigrants, and a place to learn about this topic. As an immigration lawyer, Adina was also inspired to create Immigrant Finance after representing and working with hundreds of immigrant and refugees in Egypt, Ecuador, the U.S.-Mexico border, and the Washington, D.C. region, many who face detention and deportation. She has seen how people's lives could change from access to personal finance information and the empowerment, options, and control that financial stability can provide for immigrants and their families. --- Support this podcast: https://anchor.fm/bestiebestiebombom/support
Affirm is pushing further into new loans after an initial pullback during the early days of the COVID-19 pandemic. “We feel there is in fact a broader product fit for e-commerce-based, point-of-sale lending across the entire consumer segment than what we used to see pre-COVID,” said Sandeep Bhandari, chief strategy and risk officer at Affirm. Fintechs like Nova Credit and CredoLab, meanwhile, are using new technology to reach underbanked consumers. Find this and more in today’s edition of the Weekly Wrap, featuring JJ Hornblass, Bianca Chan and Rick Morgan for the week ending Oct. 2, 2020.
Misha Esipov, the founder and CEO of Nova Credit, discusses how he helped to build the world’s first cross-border consumer credit reporting agency, why immigrants are critical to economic growth in the U.S., and how credit history is key to addressing economic disparities.
Nova Credit Co-founder and CEO Misha Esipov joins us to talk about their approach to building a for-profit, VC-backed, high-growth social enterprise and how they approach Doing Well by Doing Good in their business and culture. Nova Credit recently raised a Series B, and is growing. For a quick overview of Nova Credit's business check out this CNBC interview.
In our second podcast recorded remotely in New York, Kester chats with Nicky Goulimis, co-founder and COO of Nova Credit. In a wide ranging and highly informative podcast, Nicky and Kester chat through the credit history situation in the US, the use of alternative data in underwriting, and how lenders are using data to drive financial inclusion. If you enjoy this podcast, subscribe to the Rise FinTech Podcast channel via your favourite podcast app, and be the first to hear new episodes.
Phoebe Assenza is the founder of New York City, based, Rhetorica Creative - a branding agency focused on creating cutting edge content and messaging for top fintech brands. Phoebe has helped shape the brand narrative for the likes of Weight Watchers, JP Morgan Chase, and Nova Credit. Phoebe sits down with Chris to share how she learned the art of storytelling from a young age and how content plays an integral role in building successful brands.
This episode was produced remotely using the ListenDeck standardized audio production system. You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Play, Stitcher, Spotify and iHeartRadio. In this episode the host John Siracusa chats remotely with Misha Esipov, co-founder and CEO of Nova Credit. Nova Credit connects international credit bureaus with U.S. institutions so that immigrants can use their international credit history to apply for products and services in the U.S. Nova Credit translates international credit data into a U.S.-equivalent score and a report in a format familiar to American underwriters, who can use it to evaluate their applications for credit products. Tune in and Listen. Subscribe now on Apple Podcasts, Google , Stitcher, Spotify and iHeartRadio to hear next next Thursday's remotely recorded interview with Pierre Haren from Causality Link. About the host: John, is the host of the ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin. He’s a highly sought after fintech, VC and financial services industry enthusiast and connector. He’s in the center of the fintech ecosystem, keeping current with the ever-innovating industry. Stay in the fintech know by subscribing to ‘Bank On It’, ‘Before the A’ Follow John on LinkedIn, Twitter, Medium
This episode was produced remotely using the ListenDeck standardized audio production system. You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Play, Stitcher, Spotify and iHeartRadio. In this episode the host John Siracusa chats remotely with Immad Akhund, co-founder and CEO of Mercury. Mercury is a bank for startups, engineered in Silicon Valley for tech companies. The company provides bank accounts built specifically for startups by combining Federal Deposit Insurance Corp (FDIC)-insured checking and savings accounts with tech tools like cashflow analytics, dashboards and efficient payments, enabling tech startups to have a practical financial stack, real-time insight into company finances, and tools to maximize operational efficiency. Immad has multiple successful exits and in this conversation they chat about how Mercury came to be. Tune in and Listen. Subscribe now on Apple Podcasts, Google , Stitcher, Spotify and iHeartRadio to hear next next Tuesday's remotely recorded interview with Misha Esipov from Nova Credit. About the host: John, is the host of the ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin, and 'Before the A' podcast recorded onsite in Flat Iron at Barclays/Techstars Rise NYC. He’s a highly sought after fintech, VC and financial services industry enthusiast and connector. He’s in the center of the fintech ecosystem, keeping current with the ever-innovating industry. Stay in the fintech know by subscribing to ‘Bank On It’, ‘Before the A’ Follow John on LinkedIn, Twitter, Medium
Welcome to the Tearsheet Podcast. I’m Zack Miller. We’ve got an interesting episode teed up for you today. It’s a case study with Finlocker and Fiserv. Finlocker is a super app that integrates with banks and other financial institutions to enable loans and financial transactions. Consumers consent to feed it with their bank account data and the personal finance assistant makes loan product recommendations. President Brain Vieaux joins us on the podcast today to talk about how Finlocker enhances consumer data, lowers lending costs and increases throughput for mortgage originators as part of an overall financial welness scheme. Joining us is Paul Diegelman, Fiserv’s vp of electronic payments and aggregation. Paul’s team worked closely with Finlocker to integrate Fiserv’s AllData aggregation product. AllData provides up-to-the-minute aggregated account data from roughly 18,000 connections from sources like banks, credit unions, billers, card platforms and wealth management firms, providing the data consumers have permissioned into their lockers. Paul is presenting at next week’s DataDay Conference presented by Tearsheet. He’ll be discussing PFM 2.0: Top use cases for improving financial outcomes for banking customers. Fiserv is a sponsor of the DataDay Conference. I’m Zack Miller, Editor in chief at Tearsheet. Based on this real-world use case, data is helping driving innovations and companies that realize this are on the fast track to growing their business and deepening customer engagement. Fiserv’s AllData aggregation product is being used by companies of all size to help consumers see their full financial pictures, enabling them to make smarter and more-informed financial decsisions. Fiserv is a sponsor of the DataDay Conference presented by Tearsheet on June 2 through June 4th. DataDay is the premiere conference in the financial services industry that deals entirely with data, data ecosystems, data aggregation, and alternative data. Fiserv’s Paul Deigelman will be presenting along with senior leaders at MX, Plaid, Wells Fargo, Envestnet Yodlee, Nova Credit, Stash, and more. Go to Tearsheet’s website at tearsheet.co and click on the DataDay Conference button at the top to register.
In our latest episode of the Wharton Fintech podcast, Miguel Armaza (WG'21/G'21) is joined by Nicky Goulimis, COO & Co-Founder of Nova Credit, a mission-driven company solving the problem of credit access for immigrants. Join us as Nicky shares her inspiring story. Nicky Goulimis is the co-founder and COO of Nova Credit. Prior to Nova, she was a consultant at Bain & Company where she worked with a number of European Retail Banks. Nicky began her career in the international development space working for Ethiopia's Ministry of Agriculture on its smallholder farmer financial access initiatives. Nicky is originally from Greece and grew up in the U.K. She holds a BA from Cambridge and an M.B.A. from the Stanford Graduate School of Business, where she was awarded the Miller Social Change Leadership Award. Nova Credit is a mission-driven company solving the problem of credit access for immigrants. The company's platform offers cross-border consumer credit services that passes reports onto lenders, property managers and other domestic businesses so that they can make more informed determination on whether to accept or reject a credit application, enabling immigrants to seek financial services, housing and more when moving abroad through a digital credit passport software that helps lenders to view creditor's history. In this extensive interview, Nicky shares: (i)How the challenges Nicky faced as an international student at Stanford drove her and her co-founder, Misha, to build and launch Nova Credit (ii)Why she considers herself an accidental founder, what led her to fall in love with the entrepreneurial process, and how she decided to take Nova Credit from a class project to a full-fledged company (iii)Some of the nuances of launching a startup as an MBA student, including submitting Nova Credit's Y-Combinator application from the Mongolian mountains (iv)The initial steps they took to build Nova Credit and the importance of validating and iterating an idea with potential partners and customers (v)The process and reasons behind their rapid client transition from servicing small credit unions to quickly landing some of the biggest financial institutions in the world (vi)Their value proposition to international credit bureaus and the nature of their strong relationships with multiple regulators around the world (vii)The company's multifaceted recruiting approach to building a world-class team and their conscious effort to attract diverse talent and create a scalable culture of radical ownership (viii)Nicky's advice and words of wisdom for current and aspiring founders
A credit score is a rating that allows someone to qualify for a line of credit, which could be a loan such as a mortgage, or a credit card. We are assigned a credit score based on a credit history, which could be related to work history, rental payments, or loan repayments. One problem with the credit scoring system is that it is not internationalized. If I am coming from Brazil, I have a rental history of someone from Brazil. That information does not get naturally ported over to the United States. There needs to be a system for translating a foreign credit history to a US credit history.Nova Credit is a company that makes a credit passport–a system for allowing users in one geographic location to use the credit history that they have built up to have credit in another location, namely the United States. Brian Regan and Misha Esipov work at Nova Credit, and they join the show to talk about how the company works, and the problem it solves.
In today's episode, we bring you an interview with Nicky Goulimis, co-founder and COO at Nova Credit. Joining Sam Maule remotely, the pair kick things off with the company's origin story and how Nova Credit came to be. With no previous fintech experience, we hear about how Nicky and her co-founders were fueled by their credit troubles as international students in the US to create a solution for the underbanked from across the globe. Now working to push systemic change across the industry, Sam and Nicky also touch on Nova Credit's high-profile endorsements, the pressures of coronavirus and how their recent $50 million funding round is helping them work towards a better future of credit and credit checks. Tune in for industry insights, a wealth of experience and much much more! This podcast is brought to you by Mitek (https://www.miteksystems.com/). Smart, automated and fast. Mitek helps you reduce fraud, create trust, and offer your customers the experience they value. Hundreds of AI-based analytics and face comparison algorithms work together to verify a user is truly the owner of their ID document in order to enable secure customer acquisition, fast money movement and prevent account takeover fraud. Document verification and facial biometrics work hand-in-hand to verify identities of users to provide them with a secure and convenient onboarding process. Love fintech? Then sign up for our newsletter, Fintech in Five. A snack-sized selection of the week's biggest stories, longer reads, soundbites and more. Just visit this link to sign up! 11fs.com/newsletter Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by 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: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com! Special Guest: Nicky Goulimis.
In this podcast, Misha Esipov, CEO & Co-Founder, Nova Credit, talks about founding a cross-border credit bureau that moves an individual's credit history around the world. Misha, a Russian native, attended college at Stanford. He and his friends wanted to understand how foreign students could gain access to finance — and that challenge became his passion. The root cause of the problem is that when people arrive in the U.S. from another country, they lack credit and cannot typically access financial services and products. NovaCredit has changed this dynamic. Misha discusses how different countries report credit and how NovaCredt services its customers in the midst of that fragmentation. Misha Esipov CEO & Co-founder, Nova Credit Misha Episov is the CEO of Nova Credit, which he co-founded with Nicky Goulimis and Loek Jannsen when they met as graduate students at Stanford University. The company began as a research project in 2015 and has since evolved into the premier cross-border credit reporting agency. Before founding Nova Credit, Misha was a private equity investor at Apollo Global Management, a $232 billion global alternative asset manager. Misha started his career at Goldman Sachs, where he helped execute more than $10 billion in corporate financing, mergers, and acquisitions.
Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech. You can subscribe to this podcast and stay up to date on all the stories here on iTunes, Google Play, Stitcher, Spotify and iHeartRadio. In this episode the host John Siracusa chats with Liza Benson, partner at Moderne Ventures. Modern ventures is an early stage venture fund focused on technology companies that are innovating within real estate, mortgage, finance, insurance, hospitality and home services - multi-trillion dollar industries that make up well over 20% of the US GDP and are ripe for innovation. We've had some of Moderne Ventures portfolio company founders on as guests such as Farhan from Bento for Business, Eric from Better Mortgage and Nicky from Nova Credit. Tune in and Listen. Subscribe now on iTunes, Google , Stitcher, Spotify and iHeartRadio to hear next Tuesday’s all new episode with John Eley from GoldenSource. About the host: John, is the host of the ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin, and 'Before the A' podcast recorded onsite in Flat Iron at Barclays/Techstars Rise NYC. He’s a highly sought after fintech, VC and financial services industry enthusiast and connector. He’s in the center of the fintech ecosystem, keeping current with the ever-innovating industry. Stay in the fintech know by subscribing to ‘Bank On It’, ‘Before the A’ Follow John on LinkedIn, Twitter, Medium
The Twenty Minute VC: Venture Capital | Startup Funding | The Pitch
Misha Esipov is the Founder & CEO @ Nova Credit, the startup that allows you to use your international credit history to apply for credit cards, apartment rentals, loans and more. To date, Misha has raised over $69M with Nova from some of the best in the business Kleiner Perkins, Index, First Round, Pear and Core Innovation Capital to name a few. As for Misha, prior to changing the world of credit history, he spent over 5 years in the more traditional world of finance including time at Apollo in the world of private equity and then also Goldman Sachs in the world of investment banking. If that was not enough, due to the incredible impact Nova is having, Misha also sits on the board of World Education Services. In Today’s Episode You Will Learn: 1.) How Misha made his way from the world of investment banking and private equity with Goldman and Apollo to changing the way we think about international credit with the founding of Nova? 2.) How does Misah think about and asses both risk and value creation? How did Misha's time at Goldman Sachs influence his operating mentality and how he thinks about the value of data today? Why does Misha find the growth at all costs and revenue later mindset challenging? What core fundamentals around unit economics did Misha establish early with Nova? How does Misha advise founders when it comes to unit economics? 3.) Misha has raised over $69M from some of the best, how did Misha find the process of fundraising? Where specifically does Misha believe his investors provide outside value? What is the optimal way to use an investor in the recruitment process? Where does Misha believe investors could do better and improve? How does Misha advise founders when it comes to manager selection? 4.) How does Misha manage the psychology of being CEO? How does he deal with the shit hit the fan moments? How has his role changed over the last 3 years? What elements have been the most challenging to learn and scale? 5.) How does Misha advise founders on building a diverse pipeline of recruitment candidates from day 1? Why does Misha believe that no recruitment firm can solve for diversity? What is his process as a result for ensuring a truly diverse team? What works? What does not? How does Misha building a culture of accountability? How does Misha think about optimising internal decision-making? Items Mentioned In Today’s Show: Misha’s Fave Book: Mastery (The Robert Greene Collection) As always you can follow Harry, The Twenty Minute VC and Misha on Twitter here! Likewise, you can follow Harry on Instagram here for mojito madness and all things 20VC. Carta simplifies how startups and investors manage equity, track cap tables, and get valuations. Go to carta.com/20vc to get 10% off. More than 800,000 employees and shareholders use Carta to manage hundreds of billions of dollars in equity and Carta now offers Fund Administration so you can see real-time data in the Carta platform and work with Carta’s team of experienced fund accountants. Go to carta.com/20vc to get 10% off.
About this nugget: This nugget was pulled from episode 212 from an interview with Nicky Goulimis, co founder at Nova Credit . This nugget is on passion vs purpose. What is a nugget of the week?: The host John Siracusa has recorded over 300 episodes as the host of the Bank On It & Before the A fintech podcasts where he interviews founders building the future of fintech and the VCS/Angels who fund them. With each interview there’s this wow moment when the person interviewed has shared something really special, unique or a reminder on how founders or investors should think. So, here we are delivering those moments to you in the form of a bite sized nugget. About Nicky Goulimis: Nicky is a co-founder and COO of Nova Credit, a worldwide cross-border consumer reporting agency. Nova has built a global infrastructure of credit bureau data which it delivers to lenders and landlords so that they can serve immigrant customers. Before Nova, Nicky was a consultant at Bain & Company where she served a number of European Retail Banks. Nicky began her career in the international development space working for Ethiopia’s Ministry of Agriculture on its smallholder farmer financial access initiatives, as well as for a Ugandan NGO. About the host: John, is the host of the ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin, and 'Before the A' podcast recorded onsite in Flat Iron at Barclays/Techstars Rise NYC. He’s a highly sought after fintech, VC and financial services industry enthusiast and connector. He’s in the center of the fintech ecosystem, keeping current with the ever-innovating industry. Stay in the fintech know by subscribing to ‘Bank On It’, ‘Before the A’
The Twenty Minute VC: Venture Capital | Startup Funding | The Pitch
Mark Goldberg is a Partner @ Index Ventures, one of the leading venture firms of the last decade with a portfolio including the likes of Dropbox, Revolut, Supercell, Plaid and Transferwise to name a few. As for Mark, since joining Index he has largely specialised on all things financial services and sits on the board of Plaid, Nova Credit, Intercom, Pilot and more incredible companies. Prior to Index, Mark spent 3 years in BizOps at Dropbox where the company increased tenfold during his time there. In Today’s Episode You Will Learn: 1.) How Mark made his way into the world of venture with Index having spent 3 years at Dropbox during a transformational time for the company? What were Mark's biggest takeaways from seeing the growth cycle at Dropbox? How did that impact his investing mindset with Index? 2.) Why does Mark believe that venture as an asset class is commoditising? What does Mark believe the best funds will have to do to stay ahead? How does Mark build relationships of trust and authenticity so early with founders? What works? What does not? What is the right way to deliver direct and tough feedback to founders? 3.) How does Mark feel about multi-stage funds re-entering seed investing again? What are the right questions seed founders should ask multi-stage funds when determining whether to take their money? What does Mark believe it takes to be competitive and win the very best of deals? How is the Founder VC dynamic changing with capital supply? 4.) Why does Mark believe that most angels are going to lose their money? What does Mark wish all angels knew when they started? How does Mark feel about the rise of founders investing alongside operating? What are the pros? What are the cons? How does Mark feel about the rise of scout funds? Where is there place in the ecosystem? 5.) We are seeing unparalleled levels of activity in fintech, is this a boom or are we at the start of a fundamental shift in the landscape? Why does Mark believe we will soon see our first $100Bn neo-bank? Why does Mark believe we will see a strong rise in the consolidatory environment for fintech moving forward? Items Mentioned In Today’s Show: Mark’s Fave Book: Barbarian Days: A Surfing Life As always you can follow Harry, The Twenty Minute VC and Mark on Twitter here! Likewise, you can follow Harry on Instagram here for mojito madness and all things 20VC.
Katherine Boyle (@ktmboyle) is a venture capitalist based in San Francisco and former journalist. For episode #7, I chatted with Katherine about escalating tensions between the media and tech industries, her path to becoming a venture capitalist and the threat that declining economic mobility poses to future generations. Katherine Boyle is a partner at General Catalyst, a bi-coastal venture capital firm where she leads investments in early stage companies with uncommon missions. She's invested in the likes of Anduril Industries, Nova Credit, Spring Discovery and co-leads General Catalyst's seed platform. Prior to becoming an investor, she was a reporter at The Washington Post, and is passionate about the future of media.
Hopping over from across the pond, this week Sam Maule, Managing Partner North America for 11:FS, hosts alongside David Brear. Our expert hosts 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: Valentina Kristensen - Director of Growth & Communications at OakNorth Carl Hazeley - VP of Content at Finimize Joanne Dewar - CEO at Global Processing Services We cover the following stories from the fintech and financial services space: JPMorgan gives fintechs data access deadline (2:56) New survey suggests big things for Marcus checking accounts (10:52) RBS to rebrand itself and bring Bo under new leadership (18:08) LendingClub acquires bank to secure charter (28:57) HSBC to cut 35,000 jobs over three years (38:56) Monzo, Starling and Monese benefit from N26’s exit (45:13) Nova Credit brings celebs into fintech (53:33) This podcast is brought to you by Stake (https://hellostake.com/), the digital brokerage app bringing you unrivalled access to the US market. Invest in over 3,500 US stocks and ETFs, including game-changing companies like Google, Amazon and Tesla. Trading is instant, direct and commission-free, and with a fully digitised sign-up, you’ll be in the market in minutes. Visit hellostake.com or search ‘Stake Trade’ to seize the US market’s 31 trillion dollars-worth of opportunity today. Love fintech? Then sign up for our newsletter, Fintech in Five. A snack-sized selection of the week's biggest stories, longer reads, soundbites and more. Just visit this link to sign up! 11fs.com/newsletter Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by 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: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com! Special Guests: Carl Hazeley, Joanne Dewar, and Valentina Kristensen.
Hello and welcome back to Equity, TechCrunch’s venture capital-focused podcast, where we unpack the numbers behind the headlines.After having a good time with NEA's Rick Yang last week, we thought we'd bring on another venture capitalist. So this week Danny and I had Elliott Robinson from Bessemer swing over for the show. As it turned out, he was about as correct as guest as possible as not only did the topics of the week line up with where he invests, he's also friends with some of the folks that we discussed on the show.So what did we talk about? A whole host of things including two rounds:Headspace's fascinating $93 million hybrid, debt-and-equity round that pushes its known capital raised to date ahead of arch-rival Calm's own.Nova Credit's $50 million round to help power its cross-border credit system. (We all thought this one was smart.Then we turned to two new funds, including Battery's battery of new capital vehicles that add up to $2 billion. In this part of the discussion we also touched on capital velocity, and why some firms are writing the same number of checks, but still need more capital. On the other end of the capital spectrum, Equal Ventures put together its first fund, and we riffed on the health of the micro-fund ecosystem.The news run continued, with our trio touching on Airbnb's recent financial results, and our wonderment about how to price the firm, the closure of Brandless (RIP), and the issues at SoftBank.All that and we had to leave Lyft's fascinating earnings and Uber's profit promises alone as we ran a bit long with just that set of topics. A good week, and we're back Monday morning!
Hello and welcome back to Equity, TechCrunch’s venture capital-focused podcast, where we unpack the numbers behind the headlines.After having a good time with NEA's Rick Yang last week, we thought we'd bring on another venture capitalist. So this week Danny and I had Elliott Robinson from Bessemer swing over for the show. As it turned out, he was about as correct as guest as possible as not only did the topics of the week line up with where he invests, he's also friends with some of the folks that we discussed on the show.So what did we talk about? A whole host of things including two rounds:Headspace's fascinating $93 million hybrid, debt-and-equity round that pushes its known capital raised to date ahead of arch-rival Calm's own.Nova Credit's $50 million round to help power its cross-border credit system. (We all thought this one was smart.Then we turned to two new funds, including Battery's battery of new capital vehicles that add up to $2 billion. In this part of the discussion we also touched on capital velocity, and why some firms are writing the same number of checks, but still need more capital. On the other end of the capital spectrum, Equal Ventures put together its first fund, and we riffed on the health of the micro-fund ecosystem.The news run continued, with our trio touching on Airbnb's recent financial results, and our wonderment about how to price the firm, the closure of Brandless (RIP), and the issues at SoftBank.All that and we had to leave Lyft's fascinating earnings and Uber's profit promises alone as we ran a bit long with just that set of topics. A good week, and we're back Monday morning!
#14: The credit score is the metric for how borrower creditworthiness is judged.In episode 14, I talk with Louis DeNicola a consumer credit expert and credit writer who works with clients including Experian, Credit Karma, LendingTree, and Nova Credit.What you’ll learn in this episode:How credit scores are calculated and how each major component is weightedWhy credit scores fluctuate constantly and how lenders and card companies often use proprietary credit scoring models internallyHow to increase and protect your credit scoreWhat to focus on when auditing your credit reportThe difference between soft vs. hard inquiries and how each impacts your creditThe optimal “utilization” level (plus a hack for making your utilization appear low)Links mentioned in this episode:Louis DeNicolaFICOVantageScoreAnnualCreditReport.comHYW private Facebook communityIntro/Outro: Old Bossa by Twin Musicom.
Welcome to the Tearsheet Podcast. I’m Zack Miller. Whether you’re a new immigrant, an expat moving for work, or a foreign student, getting issued credit when your credit history resides in another country is frustratingly difficult. That’s changing as incumbents and fintech startups continue to work on coming up with a solution. American Express is announcing it has joined forces with a cross-border credit reporting startup, Nova Credit (https://www.novacredit.com/), to launch a first-of-its-kind digital capability that enables newcomers to the U.S. to share individual credit reports from five international bureaus when applying for an American Express U.S. Personal Card and potentially get approved instantly. This makes American Express the *first global payments company to offer immigrants and expats to the United States the ability to use Nova Credit’s Credit Passport technology* to instantly translate certain international credit reports into a U.S. equivalent credit report and score during the online Card application process. Sara Milsten, svp of new member acquisition for U.S. consumer services at American Express, is my guest today on the Tearsheet Podcast. Before we jump into the interview, I wanted to invite you to Tearsheet’s latest event, The Embedded Conference. A big theme on this program and in our reporting has been about how financial services are showing up everywhere — in B2B software platforms, in retail, in transportation and travel. The Embedded Conference brings together financial services, fintech, and vertical industries looking to create new financial products. We’ve got a great speaker lineup — register today by going to our website and clicking on the Embedded Conference button at the top right of your screen.
Credit access is one of the many puzzling and complicated issues that people immigrating to the United States face. That's why Nicky Goulimis, cofounder and COO of Nova Credit, has made it her mission to find a solution that will help immigrants gain access to credit and enable them to rent, buy, and thrive in their new lives. In this episode, Nicky shares great insight into the world of cross-border credit and how to navigate it as smoothly as possible. You can find show notes and more information by clicking here: https://bit.ly/30DK5e8
Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech. You can subscribe to this podcast and stay up to date on all the stories here on iTunes, Google Play, Stitcher, Spotify and iHeartRadio In this episode the host John Siracusa chats with Nicky Goulimis, co-founder and COO of Nova Credit. Nova Credit is a cross-border credit reporting agency that is helping provide immigrants access to credit. Their saying is "Build bridges, not walls." When someone comes to the USA for an extended period of time they need banking services among other things, such as safe shelter. But in order to access these things, they need a credit history with Transunion, Equifax and/or Experian. Most of which don't have any history at all. So they end up limiting themselves to cash transactions just to get by. Nova Credit is changing this by combining world wide credit data and providing insights into immigrants to USA businesses that didn't exist before. Nova Credit was recently included in the Forbes fintech 50 list. Tune in and Listen. Subscribe now on iTunes, Google , Stitcher, Spotify and iHeartRadio to hear Thursday's episode with John Buttrick from Union Square Ventures. About the host: John is the host of the twice-weekly “Bank On It” podcast recorded onsite at offices of Carpenter Group, a creative services agency focused on the financial services industry. He's a highly sought after fintech, VC and financial services industry enthusiast and connector. He's in the center of the fintech ecosystem, keeping current with the ever-innovating industry. Follow John on LinkedIn, Twitter or on Medium
Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech. You can subscribe to this podcast and stay up to date on all the stories here on iTunes, Google Play, Stitcher, Spotify and iHeartRadio In this episode the host John Siracusa chats with Antonio Tomarchio, co-founder and the CEO of Cuebiq. Cuebiq, provides location based data & analytics for marketers and investors. Cuebiq's value proposition for marketers is an offline way to measure advertising effectiveness. For investors, it can help predict future performance of retail based assets. Those use cases are so valuable that it allowed the company to receive $33 million to date from DRW Venture Capital, Goldman Sachs Principal Strategic Investments, NASDAQ and Tribeca Venture Partners Tune in and Listen. Subscribe now on iTunes, Google , Stitcher, Spotify and iHeartRadio to hear next Tuesday's episode with Nicky Goulimis from Nova Credit. About the host: John is the host of the twice-weekly “Bank On It” podcast recorded onsite at offices of Carpenter Group, a creative services agency focused on the financial services industry. He's a highly sought after fintech, VC and financial services industry enthusiast and connector. He's in the center of the fintech ecosystem, keeping current with the ever-innovating industry. Follow John on LinkedIn, Twitter or on Medium
Nico Barawid wants you to know that personal finance is very different for immigrants. And it's even harder if you're an immigrant who is also a woman or person of colour, like Nico's Mom. Nico came to the US from the Philippines with his parents when he was very young. Despite the fact that they were both medical residents and eventually doctors in the US, Nico's parents faced a lot of financial discrimination because of their lack of credit history. And the worst part about this is that it isn't that they lack credit history entirely, it's that they didn't have credit history in the US. They had student loans and credit cards in the Philippines before they left. So why wouldn't that credit history count in the US? Good question. It's because the credit evaluation process is broken. For as long as financial institutions have been around, no one has ever thought to connect the global credit reporting systems in a meaningful way. And all of the local systems are different so good credit in the Philippines means nothing to US banks. So when the 3 founders of a new company called Nova Credit were looking for their first employee, Nico jumped at the opportunity to help fix this broken system. Nico is now working with banks and credit bureaus around the world, connecting them one at a time so that one day, immigrants with good credit will be able to bring that credit to the US and Canada, and not have to go through what Nico's parents went through. I'm very happy that Nico is doing this and that he joined me from the San Francisco Bay Area to tell his family's personal finance story. NEXT EPISODE 68 - Rubina Ahmed-Haq
On this episode Erik is joined by his fellow general partner at Village Global, Ross Fubini (@fubini), and Misha Esipov (@mishaesipov), co-founder and CEO of Nova Credit.Ross and Village are investors in Misha’s company and Ross has been obsessed with fintech for a very long time. Misha tells the story of how his team came upon the idea and why the mission of the company has been resonating with the founding team and subsequent hires. He explains why credit reports are not shared between credit rating bureaus in different countries, making it really difficult to get a credit card, a loan, or even just an apartment, as an immigrant.Misha talks about going from a three-person founding team to where they are today and what kinds of learnings he has gathered along the way. He talks about the importance of hiring a general counsel and starting with smaller customers before bigger ones. Ross says he’s excited about how big Nova Credit could get and explains what he means when he says he likes to see entrepreneurs “own the whole problem.” Erik also asks about their requests for startups in the space and what kinds of companies they would be looking to invest in if they were running a fintech fund.Thanks for listening — if you like what you hear, please review us on your favorite podcast platform. Check us out on the web at villageglobal.vc or get in touch with us on Twitter @villageglobal.Venture Stories is brought to you by Village Global and is hosted by co-founder and partner, Erik Torenberg. Colin Campbell is our audio engineer and the show is produced by Brett Bolkowy.
On this episode Erik is joined by his fellow general partner at Village Global, Ross Fubini (@fubini), and Misha Esipov (@mishaesipov), co-founder and CEO of Nova Credit.Ross and Village are investors in Misha’s company and Ross has been obsessed with fintech for a very long time. Misha tells the story of how his team came upon the idea and why the mission of the company has been resonating with the founding team and subsequent hires. He explains why credit reports are not shared between credit rating bureaus in different countries, making it really difficult to get a credit card, a loan, or even just an apartment, as an immigrant.Misha talks about going from a three-person founding team to where they are today and what kinds of learnings he has gathered along the way. He talks about the importance of hiring a general counsel and starting with smaller customers before bigger ones. Ross says he’s excited about how big Nova Credit could get and explains what he means when he says he likes to see entrepreneurs “own the whole problem.” Erik also asks about their requests for startups in the space and what kinds of companies they would be looking to invest in if they were running a fintech fund.Thanks for listening — if you like what you hear, please review us on your favorite podcast platform. Check us out on the web at villageglobal.vc or get in touch with us on Twitter @villageglobal.Venture Stories is brought to you by Village Global and is hosted by co-founder and partner, Erik Torenberg. Colin Campbell is our audio engineer and the show is produced by Brett Bolkowy.
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/
Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes
I first arrived in this country as an immigrant back in 1991. I tried to apply for a credit card and was rejected. Multiple times. The reality was that my stellar credit history in Australia was meaningless in this country. Our next guest on the Lend Academy Podcast is trying to solve this problem. They […] The post Podcast 118: Misha Esipov of Nova Credit appeared first on Lend Academy.
I first arrived in this country as an immigrant back in 1991. I tried to apply for a credit card and was rejected. Multiple times. The reality was that my stellar credit history in Australia was meaningless in this country. Our next guest on the Lend Academy Podcast is trying to solve this problem. They […] The post Podcast 118: Misha Esipov of Nova Credit appeared first on Lend Academy.
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