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1 Understanding Taxes as a Newly Formed Small Business - Part 2 of the Small Business Starter Kit 28:24
#32: African FinTech lending - How consumer loan platforms are providing credit across Africa
Manage episode 296406020 series 2712808
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
80 episoder
Manage episode 296406020 series 2712808
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
80 episoder
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1 #79: Cellulant - How the FinTech payments platform is providing financial services across Africa 1:45:14

1 #78: MNT-Halan - How the lending platform is providing financial services across Egypt and other developing markets 2:06:05

1 #77: PiggyVest - How the savings and investment platform is providing financial services across Nigeria 2:24:47

1 #76: IHS Towers - How the telecom infrastructure company is building and managing towers across Africa and beyond 1:42:25

1 #75: eTranzact - How Nigeria's pioneering payments and switching platform is serving businesses and governments across Africa 1:48:53

1 #74: Moove - How the mobility fintech is providing vehicle financing to mobility entrepreneurs across Africa and the rest of the world 2:43:04

1 #73: AFEX (Africa Exchange) - How the commodities exchange is facilitating commodity trade by offering training, credit, storage to farmers & providing investment solutions to financial partners 1:55:51

1 #72: Nomba (Kudi) - How the Nigerian FinTech is providing Point-of-Sale, agency banking and payment solutions to merchants across Africa 1:36:25

1 #71: TymeBank - How the South African Neobank is integrating digital and physical experiences to provide holistic financial services across emerging markets 2:30:55

1 #70: Carbon - How the credit-led neobank is providing loans, BNPL and financial services across Nigeria and Africa 2:37:53

1 #69: FairMoney - How the credit-led neobank is providing consumer loans and financial services across Nigeria, India and other developing markets 2:18:07

1 #68: Branch - From Kiva to providing consumer loans and FinTech services across Africa and other developing markets 2:47:46

1 #67: Sabi - How the B2B retail platform is providing business services to informal SMB retailers, distributors, suppliers and manufacturers in Nigeria and Africa 2:18:24

1 #66: TradeDepot - How the B2B retail platform is improving the supply chain for informal SME retailers and consumer goods producers across Nigeria and Africa 1:59:39

1 #65: Wasoko (Sokowatch) - How the B2B retail platform is providing services and improving the supply chain for informal retailers across Kenya and Africa 1:55:55

1 #64: Twiga Foods - How the AgriTech supply chain company is connecting SMB retailers and smallholder farmers to improve food logistics across Kenya and Africa 2:12:35

1 #63: Yoco - How the South African FinTech is scaling Point-of-Sale and other payment solutions to merchants across Africa 2:24:08

1 #62: DPO Group - How the FinTech payments platform went from bootstrapping for 8+ years to strategically acquiring multiple companies, and exiting to Network International for $288M 1:46:14

1 #61: MFS Africa (Onafriq) - How the payments network hub is connecting telcos & financial institutions to increase interoperability across Africa and beyond 1:52:56

1 #60: M-Kopa - How the asset financing platform is providing access to consumer products across Kenya & Africa 1:52:45

1 #59: Africa Tech - 2023 & Beyond (Creator Roundtable #2) 2:27:53

1 #58: Reliance Health - How the HealthTech platform is providing insurance & health services across Nigeria & Africa 2:30:52

1 #57: African InsurTech - How consumer insurance platforms are providing insurance across Africa 2:06:57

1 #56: Thrive Agric - How the Agriculture platform evolved from crowdfunding to supporting smallholder farmers across Nigeria & Africa 1:49:12

1 #55: Apollo Agriculture - How the AgriTech platform is supporting smallholder farmers to scale across Kenya & Africa 2:00:21

1 #54: Swvl - How the bus mobility platform became one of the largest transportation companies in Africa 2:01:01

1 #53: Konga - How the Ecommerce platform initially grew and eventually reset across Nigeria 2:01:50

1 #52: OLX Africa - How the Classifieds platform initially grew and eventually shut down across Africa 1:49:32

1 #51: Jiji - How the Classifieds platform became the largest marketplace in West & East Africa 1:42:15

1 #50: Wave - From Sendwave remittances to disrupting Francophone Africa with mobile money & financial services 2:28:20

1 #49: Glo (Globacom) - How the private telecommunications company expanded across Nigeria & West Africa 1:55:49

1 #48: Telkom - How the former South African monopoly evolved to provide telecommunication services across Africa 1:43:39

1 #47: Vodacom - How the South African Telco became one of the largest telecommunications companies in Africa 1:44:22

1 #46: MAX (Metro Africa Xpress) - How the mobility tech platform is providing transportation & delivery services across Africa 2:22:43

1 #45: Gokada - How the mobility tech platform is providing delivery & transportation services across Nigeria 1:59:33

1 #44: Pathao - From Ride Sharing & Food Delivery to building the largest mobility platform in Bangladesh 2:51:03

1 #43: Africa Tech - 2022 & Beyond (Creator Roundtable #1) 2:34:23

1 #42: Andela - How the engineering hiring platform is connecting companies with software developers in Africa & emerging markets 2:09:35

1 #41: SafeBoda - How the Ugandan motorbike hailing platform is delivering mobility services across Africa 2:04:33

1 #40: Fawry - How the Egyptian payments platform became one of the largest Tech companies in Africa 1:50:58

1 #39: BIMA (Milvik) - How the HealthTech company is providing insurance & medical services across emerging markets 1:56:16

1 #38: 54gene - How the HealthTech platform is building diverse datasets to improve diagnostic and treatment outcomes across Africa 1:58:15

1 #37: mPharma - How the HealthTech supply chain platform is providing services to pharmacies & patients across Africa 2:01:46

1 #36: Helium Health - How the HealthTech infrastructure platform is supplying services to health care providers across Africa 1:40:17

1 #35: MultiChoice - How the South African Pay TV pioneer became the largest entertainment provider across Africa 1:30:37

1 #34: Kuda Bank - How Nigeria’s most popular Neobank is scaling to offer financial services to “every African on the planet” 2:41:49

1 #33: Chipper Cash - How the FinTech platform started from African remittances to become the fastest unicorn in Africa Tech history 2:14:54

1 #32: African FinTech lending - How consumer loan platforms are providing credit across Africa 1:49:14

1 #31: African Sports betting & gambling tech - The rise & expansion of betting services across Africa 1:22:30

1 #30: Paga - How one of Nigeria’s earliest FinTech companies is providing financial services across emerging markets 1:15:11

1 #29: bKash - How the FinTech payments platform became Bangladesh’s largest tech company 1:55:13

1 #28: Sendwave - How the mobile remittances service scaled from Y Combinator to a $500M WorldRemit exit 1:15:53

1 #27: Takealot - How the South African online retailer became one of the largest e-commerce platforms in Africa 1:20:50

1 #26: African AgriTech - Early opportunities for technology to scale Agriculture across Africa 1:20:36

1 #25: Crypto trading exchanges (African WealthTech Pt 3) - How cryptocurrency platforms are providing decentralized financial services across Africa 1:30:00

1 #24: Neobanks (African WealthTech Pt 2) - How TymeBank, Kuda & other digital banks are delivering banking services across Africa 1:34:18

1 #23: Stock trading services (African WealthTech Pt 1) - How retail investment platforms are racing to build the African Robinhood and Zerodha 1:39:10

1 #22: African Corporate VCs & Softbank - Why African corporates are not investing in tech startups 1:29:04

1 #21: uLesson - How the EdTech platform is bridging the educational gap across Nigeria & Anglophone Africa 1:43:24

1 #20: Paystack - How the FinTech payments platform went from Y Combinator to a $200M Stripe exit in 5 years 1:22:47
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