Fintech Chatter: Insights From Fintech Leaders

In this episode of Fintech Chatter, we continue our series on the challenges of housing affordability in Australia. Dexter Cousins speaks with Michael Ragavan, founder of Our Leg Up.Chapters00:00 Introduction to Housing Affordability02:48 The Concept of OurLegUp05:37 Innovation in Financial Products08:37 Challenges in Product Development12:17 Investor Relations and Capital Raising14:21 Legal Wins and Product Feasibility16:08 Future Plans and Market StrategyFind out more: https://www.ourlegup.com/Send us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

In this episode of our special series on Housing Affordability, Dexter speaks with Lynda Coker, co-founder of Co-Operty, about their innovative solution enabling fractional co-ownership of property.Here's what's discussed.00:00 Introduction to Housing Affordability and Co-Opity01:51 Understanding Co-Ownership as a Solution04:48 The Role of Parents in Home Buying07:42 Navigating the Lending Landscape10:49 Challenges in Integrating with Lenders13:03 Innovative Approaches to Property Ownership15:29 Future Roadmap for Co-Operty18:26 Fractional Property OwnershipFind out more about Co-operty https://co-operty.com/Send us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

In this episode of Fintech Chatter, host Dexter Cousins speaks with Ritchie Cotton, co-founder of Valiant Finance, about the company's journey over the past decade. Key Talking PointsValiant connects small businesses with the right finance options.The company has helped nearly 25,000 small businesses with over $2bn in funding.How Ritchie and Co-founder Alex Molloy met and the genesis for Valiant.Building one of the best working environments in Fintech.Valiant's push into embedded finance solutions.Getting the right combination of technology and human touch.How COVID-19 was a pivotal moment for Valiant.Valiant's plans for global expansion.The companies customer centric values.Ritchie's leadership style and focus on empowering teams and fostering collaboration.Find out more https://www.valiantfinance.com/careersSend us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

In this episode of Fintech Chatter, Dexter Cousins speaks with Mark Macduffie of Downsizer about the pressing issue of housing affordability in Australia. They discuss the challenges faced by the downsizer segment, the innovative solutions being implemented in the FinTech space, and the importance of collaboration within the industry to address these challenges. Downsizer helps baby boomers find properties with zero cash deposit.There are 1.9 million homeowners in Australia looking to downsize.Downsizer has sold $168 million of property off the plan to downsizers.The 'bank of mum and dad' is becoming a common transaction method.Future plans include launching in the UK and expanding their white label technology offerings.Find out more https://Downsizer.com.auSend us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

In the third part of our Fixing Housing Affordability series, host Dexter Cousins speaks with Nir Golan and Robbie Baskin from Frontya.We showcase another innovative approach to tackling housing affordability in Australia. Frontya have identified the challenges faced by first home buyers are amplified by the role of property investors.Frontya's innovative funding model aims to double deposits for home buyers, enabling them to access the property market more effectively. On the other side of the problem they've developed a managed fund geared specifically to property investors, helping them spread their risk whilst also supporting first time buyers.To find out more go to https://frontya.com.au/Send us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

In this episode of Fintech Chatter, host Dexter Cousins chats with James Bowe, CEO and co-founder of OwnHome, about the innovative solutions his company is bringing to the housing market. James shares insights into the challenges of housing affordability and accessibility in Australia, and how OwnHome is empowering families to own homes sooner by funding deposits and providing buyer's agent support.James discusses the genesis of OwnHome, highlighting the financial and legal structuring challenges that inspired him and his co-founder to tackle the housing crisis. Tune in to learn about the successes and partnerships that have propelled OwnHome forward, and gain valuable insights into the current state of the fintech industry. Whether you're a potential homeowner or interested in fintech innovation, this episode offers a compelling look at how OwnHome is making a difference.Send us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

Welcome to Fintech Chatter Podcast. We're dedicating the month of August to showcase the Australian founders passionate about solving the housing affordability crisis.Dexter Cousins kicks off the series with Lucinda Hartley of Mondus Capital. Lucinda shares how she's leveraging her background as a City Planner and SaaS founder to bring a zero deposit home loan to market.Find out more - https://www.mymondus.com/Watch out for their upcoming rebrand https://zeroo.com.au/Send us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

Welcome back to Fintech Chatter Podcast! In this episode your host Dexter Cousins invites guest No2 back onto the show.David M. Brear is CEO of 11:FS Group and 11:FS Holdings. The award winning digital consultancy has built digital banks all over the world and through 11:FS holdings, David and the team are finally going to build the next generation of financial services, this time for their own company!Having first appeared on the show in January 2020, David and Dexter talk about the evolution of fintech, the challenges facing the fintech industry, and the future of digital banking. They also discuss the impact of AI on the consultancy model, the importance of understanding customer insights to drive innovation, plus the current state of fintech in the UK and Australia. David also reveals his new favourite hobby, the increasing role of influencers in fintech media and his personal health challenges that have him more motivated than ever.Chapters00:00 Introduction 01:16 About 11:FS03:05 Changing the Fabric of Financial Services17:20 Regulatory Challenges and Market Dynamics23:07 The Future of UK FinTech26:00 Maturity Challenges in FinTech29:05 Emergence of Influencers in FinTech33:26 The Power of Podcasting in FinTech38:13 The Reality of FinTech Media41:54 Cult of Personality in FinTech48:55 Building 11FS Holdings54:30 Health, Work, and Life BalanceFor more information on 11:FS - https://www.11fs.com/Listen to Fintech Insider Podcast - https://content.11fs.com/podcastsSend us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

Dexter welcomes back Josh Foreman to discuss their global expansion and recent Series C capital raise.Josh first appeared on the show in 2020 and he shares the lessons he has learned from writing Indebted's first line of code to launching in 7 countries!Chapters00:00 Introduction to Indebted and Its Mission03:04 The Evolution of Technology in Debt Collection09:08 Disrupting Traditional Debt Collection Models15:00 The Future of Credit Infrastructure18:03 Lessons Learned and Strategic Insights30:42 Scaling a Global Business35:59 The Role of Intuition in Decision Making39:00 Raising Capital in a Challenging Environment45:41 The Future of Fintech and AI InnovationsFind out more about Indebted - https://www.indebted.co/careers/You can find previous episodes with Josh - 2020 - https://tieronepeople.com/2020/11/11/josh-foreman-indebted-fintech-australia-podcast/2022 - https://youtu.be/iA0j-yejKDQ?si=ibKW4oNXZUxHaJpgSend us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

Dexter Cousins interviews Antony Jenkins, the CEO and founder of 10X Banking, the core banking platform that makes banking ten times better.Antony stands out in Fintech as the global CEO of Barclays who decided to start a fintech. Tune in for a deep dive into the challenges of core banking, the outdated technology in the banking sector, and how 10X helps banks like Westpac and Chase innovate fast. We talk about fixing the banking technology silo problem, Antony's transition from a large bank to a startup, and his approach to creating a high-performance culture within 10x and how it differs to running a global bank.Antony also shares his thoughts on the future of fintech, opportunities in the Australian market (and their partnership with Constantinople) plus his advice for banking professionals considering a move to fintech.Find out more https://www.10xbanking.com/Send us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp