Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time ESG Data Drives Dynamic Green Lending
Episode 140 examines how fintechs are using real-time environmental, social, and governance data to create dynamic lending products. Lucas and Luna explore a case study from UK startup GreenFi, which adjusts loan interest rates automatically based on a borrower's live carbon footprint data from connected accounting software. They discuss how this model reduces lender risk, incentivizes sustainable behavior, and could reshape SME lending. The conversation covers data verification challenges, the role of open banking and carbon APIs, and whether ESG-linked loans are a genuine innovation or…
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