Vincent Zhang

Chief Growth and Strategy Officer at Braviant Holdings ( BalanceCredit / Lendium ), responsible for consumer lending strategy, product orchestration, and go-to-market for embedded lending solutions.

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Oct 28, 2025 • 59min

How Tech Is Really Reshaping The Lending Landscape

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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