E41 Replacing credit bureaus one API integration at a time with Argyle founder Shmulik Fishman

In this episode, Erasmus Elsner is talking to Shmulik Fishman, founder and CEO of Argyle, about raising the Series A through an investment memo and the firm’s mission of making user-permissioned employment data ubiquitous and reinvent credit decisioning for lenders and consumers.    00:00​​ Intro  00:56 What does Argyle do?  03:17 Experiencing the pain point  06:48 Raising the Series A with an investment memo  11:41 Automated form population  14:05 Real-time income/employment verification  17:52 Status quo: credit bureaus  22:18 Technical/data moats  26:59 Standing on the shoulders of giants  28:40 API integrations  30:28 Screen scraping vs. API scanning  32:41 Traction and metrics  35:26 Pricing Strategy  38:36 Argyle Team  41:36 Remote-first valuation discount/premium