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Fintech Takes x TruStage presents Lending, Unbundled Ep 2: The Confidence Gap
Welcome to Lending, Unbundled, a new series from Fintech Takes, sponsored by our friends at TruStage.
The series traces how consumer lending went from a single institution that handled everything to a modular value chain of specialized providers, each owning one piece of the loan, and asks what lending, unbundled, has cost the industry along the way.
In Episode 2, my cohost Bjoern Nordmann (VP of New Market Development at TruStage) and I sit down with Taylor Nelms, VP of Research & Insights at the Financial Health Network to untangle why consumer confidence is sitting about as low as it's ever been on record,
Financial health challenges show up across the income spectrum, driven by volatility on both sides of the household ledger: 7 in 10 households report a significant unexpected expense each year, and recent labor market research shows unpredictable income is now the norm for most workers (not just those with unpredictable hours).
As Taylor puts it, the job of a lender isn't just extending credit. It's selling certainty against volatility.
—
This episode is brought to you by TruStage.
TruStage is a financially strong insurance and financial services provider, built on the philosophy of people helping people, meeting the needs of middle-market consumers and the businesses that serve them since day one.
We believe a brighter financial future should be accessible to everyone, and our products and solutions help people confidently make financial decisions that work for them at every stage of life.
Visit https://trustage.com for more information.
---
Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/
And for more exclusive insider content, don’t forget to check out my YouTube page.
---
Follow Bjoern on LinkedIn: https://www.linkedin.com/in/bjoernnordmann/
Follow Taylor on LinkedIn: https://www.linkedin.com/in/taylor-nelms/
Follow Alex:
YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos
LinkedIn: https://www.linkedin.com/in/alexhjohnson
Twitter: https://www.twitter.com/AlexH_Johnson
View all episodes
By Alex Johnson
5
2020 ratings
Welcome to Lending, Unbundled, a new series from Fintech Takes, sponsored by our friends at TruStage.
The series traces how consumer lending went from a single institution that handled everything to a modular value chain of specialized providers, each owning one piece of the loan, and asks what lending, unbundled, has cost the industry along the way.
In Episode 2, my cohost Bjoern Nordmann (VP of New Market Development at TruStage) and I sit down with Taylor Nelms, VP of Research & Insights at the Financial Health Network to untangle why consumer confidence is sitting about as low as it's ever been on record,
Financial health challenges show up across the income spectrum, driven by volatility on both sides of the household ledger: 7 in 10 households report a significant unexpected expense each year, and recent labor market research shows unpredictable income is now the norm for most workers (not just those with unpredictable hours).
As Taylor puts it, the job of a lender isn't just extending credit. It's selling certainty against volatility.
—
This episode is brought to you by TruStage.
TruStage is a financially strong insurance and financial services provider, built on the philosophy of people helping people, meeting the needs of middle-market consumers and the businesses that serve them since day one.
We believe a brighter financial future should be accessible to everyone, and our products and solutions help people confidently make financial decisions that work for them at every stage of life.
Visit https://trustage.com for more information.
---
Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/
And for more exclusive insider content, don’t forget to check out my YouTube page.
---
Follow Bjoern on LinkedIn: https://www.linkedin.com/in/bjoernnordmann/
Follow Taylor on LinkedIn: https://www.linkedin.com/in/taylor-nelms/
Follow Alex:
YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos
LinkedIn: https://www.linkedin.com/in/alexhjohnson
Twitter: https://www.twitter.com/AlexH_Johnson
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