Fintech One-On-One #422: Shmulik Fishman of Argyle
The most important type of financial data in our lives is our income data. This one factor can determine whether we get approved for a loan or to rent an apartment. And yet the majority of people today do not have a traditional salary providing 100% of their income. They often have disparate sources of income that until now has made it very difficult for financial institutions to process.
My next guest on the Fintech One-on-One podcast is Shmulik Fishman, the CEO and Co-Founder of Argyle. Argyle is all about solving this problem by working with a huge number of sources to provide a complete and accurate picture of income. This process is embedded into a loan or rental application to help make more informed decisions.
In this podcast you will learn:
- The founding story of Argyle.
- How Shmulik describes Argyle today.
- Their core competency and how they embed their experience.
- How they customize their offering depending on the use case.
- How they handle people with disparate income sources.
- The challenge of connecting to tens of thousands of payroll systems.
- The percentage of the workforce they cover.
- How they work with payroll-linked lending.
- Why mortgage lending is the holy grail for income verification.
- How their direct deposit switching offering works.
- How they work with the gig economy vertical.
- How traditional banks are learning from new digital banks.
- What it means today to be a modern lender.
- The best practices when it comes to automated underwriting.
- What the movement towards instant payouts means for funding of loans.
- What is coming down the pipe at Argyle.
Connect with Shmulik on LinkedIn
Connect with Argyle on LinkedIn
Connect with Fintech One-on-One:
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- Connect with me on LinkedIn
- Find previous Fintech One-on-One episodes