#32: African FinTech lending - How consumer loan platforms are providing credit across Africa

Afrobility: Africa Tech and Business

Inhoud geleverd door Olumide Ogunsanwo and Bankole Makanju, Olumide Ogunsanwo, and Bankole Makanju. Alle podcastinhoud, inclusief afleveringen, afbeeldingen en podcastbeschrijvingen, wordt rechtstreeks geüpload en geleverd door Olumide Ogunsanwo and Bankole Makanju, Olumide Ogunsanwo, and Bankole Makanju of hun podcastplatformpartner. Als u denkt dat iemand uw auteursrechtelijk beschermde werk zonder uw toestemming gebruikt, kunt u het hier beschreven proces https://nl.player.fm/legal volgen.

3+ y ago 1:49:14

MP3•Thuis aflevering

Overview: Today we’re going to talk about consumer lending in Africa. We start by discussing lending in other emerging markets, discuss Africa’s credit landscape, analyze lending tech companies across Africa & end with our overall outlook. This episode was recorded on June 27, 2021.

Companies discussed: Navi, Creditas, Jumo, Carbon, Branch, Tala, Tugende, FairMoney, Shahry, Khazna, NuBank, Safaricom (M-Pesa), Alibaba (Ant Financial & AliPay), Migo (Mines), Numida, Tyme Bank, Lulalend & Evolve Credit

Business concepts discussed: Consumer lending, SME lending, unbanked population, Agency banking, credit assesment, lending risk management & lending (financial services) regulation

Conversation highlights:

(00:40) - Why we’re talking about Lending
(04:40) - Consumer lending context in India
(10:10) - Navi deepdive & what African startups can learn
(13:14) - Consumer lending context in Brazil
(18:30) - Creditas deepdive
(31:29) - Consumer lending context in China
(38:30) - Consumer lending in Africa
(51:18) - Lending startups in Southern Africa
(1:04:06) - Lending startups in Western Africa
(1:05:00) - Lending startups in Eastern Africa
(1:16:16) - Lending startups in Northern Africa
(1:26:50) - Olumide’s overall thoughts
(1:31:50) - Bankole’s overall thoughts
(1:45:30) - Recommendations and small wins

Olumide’s recommendations & small wins

Recommendation: Howard Lindzon on Angel Podcast - Amazing banter, really funny and insightful
Recommendation: Feeling by Ladipoe - Amazing. I can basically listen to it on repeat for hours
Recommendation: Eni Duro - Olamide - Real life. Epic.
Small win: Windows 11 announced. Can't wait to use it
Other content: Decoding India's consumer lending opportunity
Other content: Chinese microlending is getting weird and dangerous
Special thanks to Deji Olowe for helping me think about lending (checkout his blog here)

Bankole’s recommendations & small wins

Recommendation: The Grid: The Fraying Wires Between Americans and Our Energy Future & The Grid: A Journey Through the Heart of Our Electrified World
Small win: Attended a Seattle Sounders game v Real Salt Lake. Sounders W.
Other content: Samora Kariuki Frontier Fintech & @getCarbon on Medium

We’d love to hear from you. Please email info@afrobility.com to share feedback or propose topics you’d like to hear.

All episodes at Afrobility.com

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