Miguel Armaza is joined by Tarek El Sheriff, Founder and CEO of Zinobe, a Colombian fintech specialized in online lending. Founded in 2012, Zinobe has made almost 1.3 million loans and uses technology to develop online credit products for consumers and small businesses. Zinobe has developed a data-centric credit model to help target underserved markets in Colombia. In 2020, Zinobe was the highest-ranked Colombian company on the FT's fast-growing companies ranking with a compound annual growth rate (CAGR) of more than 100%.