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

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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.

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INSIGHT

KYB Importance

KYB processes are crucial for business onboarding, similar to Mid-Desk in the US.
Niva focuses on Latin American markets like Brazil and Mexico, addressing a significant need outside the US.

INSIGHT

KYB Growth and Global Infrastructure

KYB is a hot FinTech category, potentially rivaling expense management.
Global by default infrastructure is important for KYB due to emerging business ecosystems worldwide.

INSIGHT

Global vs. Regional Fintech

Default global or regional approaches are becoming increasingly common in FinTech.
Regional specialization can lead to greater success than solely focusing on the US market.

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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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