In episode 178 of Fintech Chatter Podcast, Dexter Cousins is joined by Ada Guan, CEO and Co-Founder of RDC (Rich Data Co).

About this episode of Fintech Chatter Podcast

Is there a viable use case for AI in banking? 🤔

Making her Fintech Chatter debut Ada Guan CEO of Rich Data Co shares how they are reinventing the way banks assess and provide credit to businesses, using AI.

It's an awesome episode where we talk about:

• Real AI use cases for banking
• Modernising a 70 year old credit model
• Leaving a corporate job to start a business
• Hiring and retaining the best AI and Data engineers
• How rock climbing has helped create a high performance culture
• How to consistently win business with major banks (with only 2 people in sales and marketing)

About RDC

RDC is delivering the future of credit, today!  They believe credit should be accessible, fair, inclusive, and sustainable. By using AI, the team at RDC has developed new techniques that leverage traditional and non-traditional data to get the right decision in a clear and explainable way.

Changing customer expectations means credit needs to be offered & consumed in new and different ways. Global leading financial institutions are leveraging the RDC AI decisioning platform to offer credit in a way that aligns to the customers’ needs and expectations.

RDC's AI Decisioning platform harnesses the incredible potential of AI and combines it with industry expertise to create the ‘AI brain for a bank’. RDC is accelerating innovation in business lending to deliver transformational and sustainable long-term business success for customers.

Find out more https://www.richdataco.com/

Careers: https://careers.richdataco.com/

About Ada

Ada brings over 20 years’ global experience in financial services, software, and retail industries. 

Leading a Global Client Advisor team at Oracle Corporation, she advised board and C-level executives in large global banks on digital disruption and Fintech strategy, and drove Oracle thought leadership in banking digital transformation for Global Key Accounts. 

During her time at Westpac Bank in Australia, Ada implemented a multi-million dollar program to deliver a mission critical services layer for the Bank and formulated the IT strategy that formed the basis of the $800m investment program to transform Westpac’s Product and Operation division, and complete the merger with St. George Bank. 

Ada holds an EMBA from the Australia Graduate School of Management, and a Master of Computer Engineering from the University of New South Wales, Australia.

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Ryan Edwards-Pritchard from Cape joins Dexter as they celebrate the fourth anniversary of the very first episode of Fintech Chatter.

Dexter delves through the archives picking his favourite memories from the podcast. And Ryan does a great job of interviewing dexter about the 4 year journey of Fintech Chatter Podcast.

Thank you to all of our guests, partners and co-hosts past and present.

Almost 500,000 listens
4.9 Star ratings in Apple and Spotify
250 amazing guests
294 shows

Special mention to Fintech Australia, Patona, NAB, Chloe White, Simon Lee, Ben Ford and Joanne Cousins ❤️

And a very BIG thank you to you for listening and supporting the show 🙏❤️

Episode list from Todays show

002: David M Brear
Katherine McConnell Brighte - The Finnies 2020
Rebecca Schott-Guppy Intersekt Afterparty
088: Matt Baxby - Revolut
Business Fintech Special
048: Lee Hatton - Afterpay
025 Anthony Thomson
032 Neal Cross
Simone Joyce Farewell

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Dexter Cousins invites Datamesh CEO Mark Nagy back on the show. Mark made his first appearance 12 months ago as part of our spotlight on the next wave of Aussie Fintech startups. 

One year on from his debut Mark shares his tips on how Datamesh secured $30m Series A funding in the midst of the downturn.

Mark also shares his secrets for winning contracts with global clients like Deutsche Bank and how to expand an Aussie Fintech internationally.

You can check out our original podcast with Mark https://tieronepeople.com/2022/09/16/datamesh-mark-nagy/

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In episode 175 Dexter is joined by a returning guest, Patrick Coghlan of CreditorWatch, a leading Australian data and technology company offering a complete suite of credit reporting products and data insights covering the entire customer lifecycle.

About Patrick Coghlan

Patrick is the CEO of CreditorWatch. In 2010, he became one of the three founding employees of CreditorWatch. He was appointed CEO in December 2018.

Patrick is a specialist commentator on issues in the credit industry and regularly appears in the media as well as presenting to corporate and government stakeholders. He has played an integral role in transforming the approach to the management of B2B credit risk in Australia.

Patrick has led the development of CreditorWatch’s values and team-spirited culture, as well as driving the company to considerable growth. He has a Bachelor of Arts from Sydney University and is a graduate of the Australian Institute of Company Directors.

About CreditorWatch

https://creditorwatch.com.au/

CreditorWatch is a leading Australian data and technology company that provides businesses with access to unique data and innovative products. By using our platform, our customers can confidently manage their commercial relationships, improve productivity and reduce financial risk.
 
As a commercial credit reporting bureau, CreditorWatch offers a complete suite of credit reporting products and data insights covering the entire customer lifecycle, from customer onboarding and credit decision automation to credit risk management and automated collections.

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Dexter Cousins is joined by Sharon Nouh, Founder and CEO  of Prospend in episode 175 of Fintech Chatter.

Prospend automates and digitises all of the business spend processes for businesses.  They build next-generation finance tools that empower businesses to make proactive financial decisions while also enabling their people to be more productive.

Sharon pioneered the expense management market in Australia by developing and launching the first locally built expense management platform. At that time, expense management technology was in its infancy.

Although the original version was simple, it provided a powerful alternative to businesses managing their processes manually.

However, Sharon didn't stop at automating expenses. She foresaw a desire among businesses to automate all their spending processes within a unified platform. Two years later, she incorporated accounts payable automation into the platform, establishing herself as a global pioneer in this technology, not just in Australia.

Sharon, who has a deep understanding of the intricacies of financial technology, has been able to leverage and develop technology that addresses real business problems, as opposed to merely following trends.

Throughout ProSpend's journey, Sharon has maintained a laser focus on solving challenges for mid to larger businesses and has competed with global players. ProSpend is now recognized as a world-class solution with more than 600 customers, reflecting Sharon’s understanding of customer needs and her ability to provide solutions that address real problems.

About Sharon Nouh

Sharon's journey as a female entrepreneur in the predominantly male fintech sector has had its challenges. In the early days, she faced difficulties securing venture capital funding due to a lack of confidence and role models for female tech entrepreneurs. The company's growth is a testament to her unwavering belief in her vision and her dedication to success. She is passionate about fostering diversity in the fintech sector and hopes her story will inspire and encourage more women to pursue fintech careers.

Sharon's leadership has been pivotal in guiding ProSpend's growth and development. She has displayed her ability to inspire and lead a team, navigate challenges, foster a positive work culture, and adapt to changes in the fast-paced fintech landscape.

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Julian Fayad is the founder & CEO of LoanOptions.ai.  Australia's first AI powered loan marketplace.

It uses AI to match borrowers with the best loan options from over 75+ major banks and lenders to save them thousands of dollars and heaps of time with its one simple application form that does not impact the borrowers credit score. 

Julian represents the next generation of Fintech founder. He's a pioneer of artificial intelligence in the asset finance finance space. His love for technology  started from a very young age and he built many projects including an app that was deployed onto the apple app store at just 18 years old. 

Dexter and Julian talk about his experience as a first time founder, leadership lessons and how he has grown LoanOptions from a self funded Covid business to a profitbale Fintech scaleup now employing 40+ people.

Find out more https://loanoptions.ai

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Dexter Cousins is joined by Police Bank CEO, Greg McKenna on this weeks Fintech Chatter Podcast.

Dexter and Greg talk through the mutual banking model, the synergies with Fintech and the BIG opportunity for the next wave of Aussie startups like Constantinople.

Check out the episode featuring Constantinople - https://tieronepeople.com/2023/05/19/constantinople-macgregor-duncan/

Greg also shares Police Banks own digital transformation journey and how leveraging the talent and the tech from Fintech's like 86 400 is helping mutual banks compete.

About Police Bank - Police Bank is run by members for members. That means we'll do more than any other bank to support you and those you care about. There are no external shareholders to influence the course of our activities. Profits are returned to Members in the form of better interest rates, products and services. 

https://www.policebank.com.au/

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Lendi Group Co-founders David Hyman and Sebastian Watkins join Dexter Cousins for this special episode of Fintech Chatter Podcast.

Celebrating the 10 year anniversary of Lendi, David and Sebastian share their incredible journey of meeting after Uni and becoming serial entrepreneurs.

Lendi is Australia's fifth largest distributor of mortgages and processes an astonishing $30bn of home loans each year!

From meeting each other in their first job out of uni, borrowing money from their parents to start their first business together, to a successful exit with Living Social and then taking on Australia's Big 4 Banks in the housing market, this is a remarkable story.

David and Sebastian are two of the smartest, humblest and likeable Fintech founders you will ever meet! They intentionally keep a low profile so we are delighted to bring you this exclusive interview and glimpse into their amazing journey together.

David and Sebastian share their insights and tips on bootstrapping, raising capital and blitz scaling!

You can find out more about Lendi - https://lendigroup.com.au/

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Lendi Group Co-founders David Hyman and Sebastian Watkins join Dexter Cousins for this special episode of Fintech Chatter Podcast.

Celebrating the 10 year anniversary of Lendi, David and Sebastian share their incredible journey of meeting after Uni and becoming serial entrepreneurs.

Make sure to follow us on your podcast player for access to the full episode!

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Welcome to part three of our three part Fintech Chatter series recorded live from the British Consulate in Sydney. 

Back in 2018 I began supporting the work of the UK Department of Business and Trade in their efforts to establish a UK/Aus fintech bridge.

Each year a UK Fintech Mission heads down under as part of Intersekt week.

It’s a fantastic opportunity not only to showcase what Australia has to offer, but to learn from our UK cousins.

So over this 3 part series I’m bringing interviews with the delegates sharing their insights, experiences and their thoughts to the Australian Fintech community.

In part 3 I chat two UK companies who have already launched in Australia.

Nick Briscoe, Australia Country Manager for Currency Cloud and Robbie McDiarmid Country Manager of CMSPI share the challenges, opportunities and their tips.

Thanks for tuning in. As always you can follow me on Linkedin and Twitter. If you’re coming back thanks for supporting the show. 

If you’re coming back thanks for your support

And if you’re new, hit the follow button in your podcast player, we release new episodes every week.

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