Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Are Using Open Banking for Small Business Lending
Episode 74 of Fintech Conversations explores how open banking is reshaping small business lending. Lucas and Luna dive into a case study: Kabbage (now part of American Express) and how it used real-time transaction data from business bank accounts to underwrite loans in minutes, not weeks. They discuss the shift from traditional credit scores to cash-flow-based lending, the role of APIs in aggregating financial data, and how regulators in the UK and EU are pushing open banking adoption. Specific numbers: Kabbage's automated platform approved loans up to $250,000, and the UK's Open…
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