Fintech Business Podcast How Tech Is Really Reshaping The Lending Landscape
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Oct 28, 2025 Brian Reshefsky, founder and CEO of EDGE, Timothy Li, co-founder of LendAPI, and Vincent Zhang, chief growth officer at Braviant Holdings share insights on the transformative power of cashflow analytics in lending. They discuss how banks and fintechs can enhance underwriting through transaction data and real-time decision-making. The trio highlights the shift toward embedding finance in everyday transactions and the future potential of consumer-controlled financial passports, aiming for seamless lending experiences.
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Customer Behavior Drives Change
- Customer behavior and demand are the primary forces reshaping lending, not just regulation or legacy law.
- Timothy Li highlights retailers and non-lenders being thrust into regulated lending experiences at the point of sale.
From Software Shops To Plug-And-Play Stacks
- Brian and Jason recalled building clunky in-house tools a decade ago when fintech ecosystems didn't exist.
- Vincent noted lenders used to function as full software shops, diverting focus from core lending goals.
Analytics Are The Lender’s Exoskeleton
- Lenders need analytics 'exoskeletons' to make sense of voluminous bank transaction data.
- Brian Reshefsky notes compliance and fairness must guide using rich bank data in underwriting.