Fintech Takes

S8 E3: Not Fintech Investment Advice: Niva, OatFi, Tapi, and Aven

Jul 24, 2024

Discover the latest fintech innovations with Niva's AI-driven business identity platform, OatFi providing Lending-as-a-Service solutions, Tapi revolutionizing payments in Latin America, and Aven's debt refinancing strategies. Join Alex and Simon as they explore the challenges of data sharing in fintech and manifest new ideas in the industry.

54:39

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Episode notes

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Quick takeaways

Niva streamlines KYB process in Latin America for faster onboarding.

OatFi offers innovative lending solutions using home equity as collateral.

Tapi focuses on filling gaps in the LATAM market with its services.

Deep dives

Innovative Financial Technology for KYB Process in Latin America

Niva, a fintech company, focuses on streamlining the KYB process for lenders and FinTech companies in Latin America. By onboarding business customers via a know your business process, Niva aims to reduce onboarding time to 10 minutes. Their focus on markets like Brazil and Mexico addresses the need for efficient KYB solutions beyond the US, where such processes are more established.

Intro

2min

Emerging Opportunities in Latin American Fintech Market

23min

Exploring the Potential of TAPI in Latin America's Payment Market

5min

Analyzing Ideal Customer Profiles, Market Entry, and Brand Value in Fintech Industry

3min

Fintech Company's Innovative Credit Card Solution and the Profitability of Credit Cards

6min

Exploring Fintech Companies and Regulatory Challenges

11min

Simon Taylor’s back in action and ready to break down some of the hottest up and comers in the fintech world with Alex.

First, he and Alex discuss Niva, the global business identity platform using AI to help lenders and fintech companies onboard business customers through a Know Your Business (KYB) process. Focused primarily on growth in Brazil and Mexico, the platform claims it can bring the onboarding process for business customers down to 10 minutes. KYB growth is hot in the US— but can KYB hold the same growth velocity in Latin America?

Then, it’s the company that sounds like a milk alternative, but we promise isn’t. Meet OatFi, the embeddable Lending-as-a-Service platform for capital loans. Not everyone has a Shopify-sized business to build their own lending process— so how is OatFi’s API helping smaller B2Bs to underwrite their capital loans?

Plus, Alex and Simon also discuss Tapi, the Stripe for Latin American countries. How is Tapi filling a major wedge in the LATAM market? And how much does brand really matter when you’re trying to tap into market like this? They also discuss Aven’s series D funding and explain how the company is helping to refinance debt at a lower rate using home equity, before manifesting a few fintech ideas. Isn’t there a better infrastructure where regulatory insights can be shared? Alex and Simon mull over the challenges of confidential data sharing.

02:36 Niva

16:37 OatFi

26:36 Tapi

36:06 Aven

49:24 Manifesting Fintech Ideas

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