The Digital Dividend by Fasanara Capital

In this episode we are joined by Scott Donnelly, a VP at Tide leading their lending efforts. Through the discussion we learn how Tide designed their new Credit Flex product to serve as an instant working capital solution to service their > 1 million global clients. Scott dives into the important role that structured data fed into tailored, internally-built, monitoring tools plays in enabling them to assess, in real-time, the impact of underwriting and scoring model changes on portfolio performance. Already serving more than one-in-ten SMEs in the UK, Tide sees the Credit Flex product as a way to address the well-known SME working capital gap by enabling customers to either split already made payments or new payments across multiple months. © Fasanara Capital Ltd This episode has been produced and edited by John Jacobs  Disclaimer:  Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital ltd

In this episode we are joined by Nosaibah Alrajhi, the visionary CEO and Founder of Forus. Through the discussion we learn how Nosaibah was inspired to start Forus to simultaneously bridge the financing gap micro, small, and medium-sized enterprises (MSMEs) in Saudi Arabia are faced with while also supporting the Vision 2030 goal of increasing SME’s contribution to Saudi GDP from 20% to 35% by 2030. Founded in 2019, Forus received one of the first debt crowdfunding licenses issued by the Saudi Arabian Monetary Authority (SAMA) and has provided over $390 million in funding to more than 400 SMEs to date.© Fasanara Capital Ltd This episode has been produced and edited by John Jacobs  Disclaimer:  Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital ltd

In this episode we are joined by William Jalloul the Founder and CEO of Flowpay, an award-winning Czech SME lender. A life-long entrepreneur, William talks us through his admirable journey, including how he built and exited a successful consulting business before testing his hand in the VC space prior to founding Flowpay. Created with the goal of providing SME borrowers with working capital funding within minutes, Flowpay leverages AI tools and data from ecom platforms to make prudent credit decisions via a fully digital process. Listen to find our more!© Fasanara Capital LtdThis episode has been produced and edited by John JacobsDisclaimer: Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital ltd

In this episode we are joined by Finspot's trio of founders Miljan Gudelj (CEO), Jovan Milovanovic (CDO), and Ognjen Kurtic (CTO). We have an insightful conversation on how Miljan's experience running a small business that needed a better working capital funding solution sprouted the idea to partner with his tech-savvy friends Jovan and Ognjen to build a fully digital factoring lender that can provide SMEs with the funding they need at lightning fast speeds. Learning how the Finspot team leveraged a tech-driven approach towards mitigating fraud and credit risk, developing tools that are now utilized by regional banks along the way, provides us with great insight into how Finspot has built a scalable lending business that has become a go-to provider of working capital for Serbian small businesses.© Fasanara Capital LtdEpisodes have been produced and edited by Mikayel Poghosyan, Fasanara Capital LtdDisclaimer: Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital ltd

Welcome to the  first episode of The Digital Dividend. In this episode we are joined by Zvilo's Founder and CEO Admir Imami. Leveraging the experiences gained across multiple successful exits of previously founded businesses, including a direct lender, factoring company, and asset manager, Admir has built Zvilo into the leading non-bank working capital provider in the Balkans. During our discussion Admir touches on the hurdles he faced along the route of building out a fully digital lender in a market traditionally dominated by relationship banking. Additionally, we gain insights into the unique opportunity posed by the funding gap SMEs in Kosovo currently face.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital ltd

Welcome to the  first episode of The Digital Dividend. In this episode we are joined by Plata's CEO and Co-Founder Neri Tollardo. Plata was born when a team from Tinkoff Bank, decided to leverage their experience of having built the first, largest, and most successful digital bank and credit card issuer in Russia to do the same in Mexico. Despite having only just launched the business in September of 2022, with lending starting in March 2023, Plata has already ramped up a > USD 75,000,000 portfolio across >350,000 active cardholders and is currently adding >50,000 customers per month, accounting for >5% of all credit card issuance in Mexico. Through the course of our discussion, Neri dives into the unique challenges Plata faced in transplanting an existing, highly successful business model and team from Russia to Mexico (and Cyprus), the hurdles faced in building out a business with the goal of complying with bank regulations from day-1, and the nuances of adapting their approach to credit to the Mexican market. Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital ltd

Welcome to The Digital Dividend!In this episode we are joined by Karmen's Co-Founder Gabriel Thierry. After seeing first-hand the astronomical growth and success of revenue-based SME lending models in the US, Gabriel and his co-founder Paul seized the opportunity to be the first player to launch a tech-driven RBF lending business in their home country of France. Since launching in 2021, Karmen has provided working capital within 48 hours to over 200 SME borrowers. Through the course of our discussion, Gabriel dives into the challenges he and his team faced along their journey of launching a lending business in one of the most heavily regulated jurisdictions in Europe. In addition to getting insight into developments in the French market, we also learn about Karmen’s plans for expansion and learn about an exciting new funding channel they have been working on together with Fasanara portfolio company Untangled Finance.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital LtdEpisodes have been produced and edited by Mikayel Poghosyan, Fasanara Capital LtdDisclaimer: Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital ltd

Welcome to The Digital Dividend!In this episode we are joined by Tilta's Founder Christoph Nicola. With the goal of enabling B2B marketplaces to provide their sellers the ability to offer extended repayment terms to their buyers via the seamless integration of Tilta in a single line of code, Tilta is a digital payment service provider and lender set to revolutionise B2B sales. Through the course of our discussion, Christoph dives into the approach he took to launching Tilta’s B2B marketplace payment solution, developments in the market and how he took a different approach to some other founders when it came to prioritising the build and testing of a prudent underwriting engine over onboarding as many clients as possible in their first few months.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital LtdEpisodes have been produced and edited by Mikayel Poghosyan, Fasanara Capital LtdDisclaimer: Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital ltd

Welcome to The Digital Dividend!In this episode we are joined by Multifi’s Founder and CEO Rob Keown-Boyd. A repeat founder, Rob discusses how lessons learned from a previous digital lending venture helped him when planning and launching Multifi, the UK’s newest SME working capital lender providing a digital-first payables finance solution. In addition to highlighting Multifi’s unique offering, providing cashflow forecasting and insights to SMEs in addition to a near-instant working capital credit line which can be used to extend the term on their payables, Rob touches on his key takeaways from having launched and successfully ramped several business within and outside of the lending space.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital LtdEpisodes have been produced and edited by Mikayel Poghosyan, Fasanara Capital LtdDisclaimer: Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital ltd

Welcome to The Digital Dividend!In this episode we are joined by Finiata's CEO Anna Kozlowska, who worked her way up to a leadership position by learning the business inside and out after joining the firm as a sales manager in 2018. Through the course of the discussion, Gennaro Crocamo and Matt Kus from Fasanara's origination desk gain interesting insights into the changes that have taken place within Finiata over the last couple of years as the firm pivoted away from the German market to focus on Poland and refined its product offering before landing on the highly automated revolving credit facilities (RCFs) they provide to SMEs today. Anna provides detail on how Finiata took a risk-first approach to lending, putting time, effort, and funding into building their machine learning underwriting algorithm which enables them to make prudent funding decisions at lightning speed and highlights the opportunities on the horizon in the embedded lending space for lenders who have built the IT infrastructure to effectively underwrite, monitor, and service granular credit exposures to underserved SME borrowers.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital LtdEpisodes have been produced and edited by Mikayel Poghosyan, Fasanara Capital LtdDisclaimer: Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast.Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com© Fasanara Capital ltd