Episodios

  • #18 - Digital Bonded Loans - Navigating the Leeway Between Bonds & Loans

    #18 - Digital Bonded Loans - Navigating the Leeway Between Bonds & Loans
    May 22 2025
    Corporate bonded loans are an exciting alternative to pure loans and bonds for both SMEs and investors. Invented in Germany a long time ago and increasingly spreading throughout Europe, the ‘Schuldschein’ is classified as a bilateral loan, whereby the loan agreement also serves as a certificate of debt, providing legal proof in court. But there's more: The agreement is not a security within the meaning of MiFID or other regulations which avoids high complexity due to prospectus requirements and rating costs. Plus, you don't have to deal with lengthy contracts and covenants that are typical for loans. Not to mention the long prep time. This flexibility makes the bonded loan an appealing instrument on the international capital market – and, due to the comparatively low costs, even for smaller volumes. Since it does not require time-consuming and costly documentation, the bonded loan is perfectly suited for a disruptive, highly standardized, digital emission process managed by Fintechs. Listen in to what a seasoned expert of a marketplace lender from Germany has to say about this segment. Are there any nasty pitfalls after all? Where lie the biggest opportunities? What is the status of digitization? How does the bonded loan perform compared to bonds and loans? Folks, in this episode, we take a look at the future of SME financing in Europe. Join the show! **Speaker: ** Christoph Steinbrich, Managing Director @ DEBTVISION **Host:** Constantin Fabricius, Managing Director @ DLA **Please note:** The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Follow us on LinkedIn: https://de.linkedin.com/company/digital-lending-association Digital Lending Summit 2025: https://www.finfellas.com/frankfurt-2025
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    42 m
  • #17 - Digital Impact Lending - Case Studies, Investment Opportunities & Visions for a Better Future

    #17 - Digital Impact Lending - Case Studies, Investment Opportunities & Visions for a Better Future
    May 6 2025
    The universe of digital private debt with impact is expanding throughout Europe. We have learned from our annual investor conference, the Digital Lending Summit, that an increasing number of people would like to get information about this appealing sub-asset class within Digital Lending. But they also want to hear more about the real impact, the risks and opportunities. In today’s episode four Fintech impact lenders from the Netherlands, Portugal, Spain and Sweden drop by the podcast and tell us their stories. We talk about different business models, market developments especially in times of Trump, liquidated USAid and tariffs, credit risk, returns and defaults. And of course, we discuss the key question of what Digital impact lenders can shape to create a fairer, greener, and more social future in Europe. **Speakers:** - Gabriela Chang Valdovinos, Co-Founder & CSO @ EthicHub (Spain) - Nuno Brito Jorge, Co-Founder & CEO @ Goparity (Portugal) - Daniel van Maanen, CFO & Senior Investment Manager @ Lendahand (Netherlands) - Christoffer Falsen, Founder & CEO @ trine (Sweden) **Host:** Constantin Fabricius, Managing Director @ Digital Lending Association **Please note:** The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Follow us on LinkedIn: https://de.linkedin.com/company/digital-lending-association Digital Lending Summit 2025: https://www.finfellas.com/frankfurt-2025
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    1 h y 8 m
  • #16 - DLA Meets SMLA - The State of Fintech Lending

    #16 - DLA Meets SMLA - The State of Fintech Lending
    Apr 15 2025
    The DLA meets the Swiss Marketplace Lending Association (SMLA) and discusses latest trends and predictions in Non-Bank Digital Lending from inside and outside the EU. What’s up on the borrower side and how is the investor side developing? What are the growth drivers of today and tomorrow? What is the current state of the Fintech Lender - bank relationship? How do the four high level speakers assess the current political and regulatory environment in Europe - and what ideas do they have for improvement? Speakers: Stefan Pomberger, SMLA Board Member & Co-Founder & Head of Cosmofunding @ Vontobel; Matteo Bernadoni, SMLA President & Co-Head Client Needs @ UBS; Marco Hinz, DLA Board Member & CEO @ CrossLend; Patrick Stäuble, DLA Board Member & Founder & CEO @ Taylor Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Follow us on LinkedIn: https://de.linkedin.com/company/digital-lending-association
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    55 m
  • #15 - NIS2, DORA & CRA - Strengthening Cyber Security Along the Digital Value Chain

    #15 - NIS2, DORA & CRA - Strengthening Cyber Security Along the Digital Value Chain
    Mar 31 2025
    Do you know what it feels like to go through a cyber attack and have everything turned upside down? No...? Then join our show. We will present a company that is still suffering from the consequences today. It's a valuable report that all fintech lenders should listen to. We will also talk about NIS2, DORA and CRA: about the scopes of application and their delimitation, implementation in practice and first hand experiences with the biggest challenges, a resilient ITC risk management and, of course, the best way to cope with a cyber attack - when all preventive measures have nevertheless failed. Speakers: Eduard Singer, Managing Partner @ neusinger, Frank Fischer, Partner @ Annerton, Jan Pomplun, CEO @ BerlinerLuft Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Follow us on LinkedIn: https://de.linkedin.com/company/digital-lending-association
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    1 h y 4 m
  • #14 - Access to Finance – What Role will Open Finance & AI Play in Mitigating Disparities?

    #14 - Access to Finance – What Role will Open Finance & AI Play in Mitigating Disparities?
    Dec 30 2024
    By using modern credit technology Digital Lenders are able to go beyond. Additional risk data scooped by way of Open Finance and Artificial Intelligence allow to serve the unserved who might otherwise have been overlooked. Thus, fintechs are able to do their bit for the supply of private credit in Europe. But how deep is it worth to drill into the customers' data? Which role plays transparency and data quality? Which combination of technology and human involvement makes sense to avoid disparities in hybrid models - can a fair line be determined where potential harm outweighs benefits? How exactly does the combination of Open Finance and AI support underwriting models?‌ Speakers: Tamara Kumposcht, Head of Banking @ taktile; Peter Hiekmann, Vice President Sales @ finAPI; Patrick Wolf, Partner @ GvW; Kimmo Rytkönen, founder & CEO @ getincome Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. We do not assume any liability and will not share any profits. Shownote: “Disparities in consumer credit: The role of loan officers in the FinTech era”, Erica Jian/Will Shuo Liu/Yeonjoon Lee, March 15, 2022, on World Bank Blogs: https://blogs.worldbank.org/en/allaboutfinance/disparities-consumer-credit-role-loan-officers-fintech-era
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    57 m
  • #13 - Onboarding in Digital Lending - The ABC of a Perfect Customer Experience

    #13 - Onboarding in Digital Lending - The ABC of a Perfect Customer Experience
    Dec 13 2024
    In this episode, we will take a deep dive at the beginning of the value chain and find out what ensures fast and secure lending since onboarding is one of the most important parts of the lending process. If you mess up here, you risk high dropout rates and poor margins. Hence, how can Digital Lenders design their onboarding in a way that ensures they don't have to compromise on the quality of their identity checks, KYC/AML requirements and a good customer experience? What are the trends, risks and opportunities? Which technological approaches should lenders be aware of and how easy is it to integrate them? What regulatory compliance requirements need to be considered - such as the [Accessibility Directive](https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32019L0882)? How will Open Finance and AI exert influence on the future of onboarding in Digital Lending? ‌ Speakers: Nicole Czollek, Director Partner Sales @ Business Service Solution; Alexander Maier, VP Sales Financial Services @ IDnow; Damien Guermonprez, Co-Founder and CEO @ Lemonway; Till Otto, Senior Associate @ Annerton Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.
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    56 m
  • #12 - Beats'n'Bonds - Investing in Music Catalogues

    #12 - Beats'n'Bonds - Investing in Music Catalogues
    Aug 14 2024
    Join us as we delve into the vibrant intersection of music, ABS and tokenization. In this enlightening talk we discuss the securitization of cash flows from music rights introducing investors to an appealing sub asset class within Digital Debt. We also discuss Taylor Swift's impact on credit risk assessment. This episode moves beyond the usual conversations offering a visionary look at the innovation power driving the future of Fintech Lending. Speakers: Daniel Maier, Founder & CEO of Chartered InvestmentJan Denecke, Founder & CEO of twelveXtwelve Host: Constantin Fabricius, Managing Director of Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.
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    46 m
  • #11 - The Battle of the Asset Classes – Digital Lending, Returns and Risks in Volatile Times

    #11 - The Battle of the Asset Classes – Digital Lending, Returns and Risks in Volatile Times
    Jul 16 2024
    Welcome to the 2nd season. On today’s show #11 we publish panel no. 2 at the “What’s Up Digital Lending?” conference in Frankfurt, Germany, on April 24, 2024. It’s a top-class investor panel discussing latest trends, risks and returns. Speakers: Daniel Dobrev (Director, Speciality Finance, Fortress Investment Group), Conor Sheehy (Head of Warehousing EMEA, HSBC Innovation Banking), Michael Stott (Managing Director, Waterfall Asset Management), René Trautner (Director, Deutsche Bank), and Sebastian Walf (Managing Director, Head of Asset-Backed Securities EMEA, Citi) Moderator: Jördis Heckt-Harbeck (Counsel, Linklaters) Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Digital Lending Summit in Frankfurt, Germany, on April 24, 2024 [Digital Lending Summit - Fintech Lenders](https://digitallenders.eu/lending-summit/)
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    1 h y 1 m
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