The Connector Podcast - FinanceX #15 - Lending & Mortages Innovation

Finance is being fundamentally rebuilt and re-architected as credit becomes woven into our digital lives rather than something we seek out separately. This shift toward invisible, embedded finance is changing how individuals and businesses access and manage money, with fintechs often leading the charge.

• Invisible lending is embedding finance directly into digital experiences like e-commerce checkouts and business software
• Traditional banks risk becoming less relevant if they don't adapt to new distribution models in digital spaces
• AI is transforming financial processes, completing credit assessments in minutes instead of hours or months
• European and Asian regions approach fintech innovation differently – Europe like chess (methodical, rule-heavy) and Asia like go (fast, agile, experimental)
• Cross-border credit invisibility affects thousands of Europeans who become "credit invisible" when moving between countries
• Only 1% of VC funding in Europe went to women-only founding teams in 2023 despite research showing strong returns
• The future of property finance involves holistic dashboards tracking value, renovation opportunities, and environmental impact
• Revenue-based financing provides SMEs with flexible repayments based on actual income, better matching business reality
• Singapore demonstrates integrated property tech systems connecting smart buildings, resident apps, and digital financing
• The Nordics show successful collaboration between banks and fintechs in creating agile lending ecosystems

As finance becomes more embedded and invisible, the challenge becomes ensuring your financial reality is fully seen and properly understood by AI systems and platforms.

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Cheers
Koen Vanderhoydonk
[email protected]

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