How do you build a lending business for a market traditional banks ignore? You don't start with a banking charter. You start with a catalog.

Sean Wibberley, CEO of Weaver Fintech, joins Samora Kariuki to share the incredible story of Finchoice. It’s a journey that starts with Home Choice, a catalog retailer, and a brilliant insight from the founder’s daughter: the company’s database of female customers—who proved they could repay retail credit—was a data goldmine for underwriting personal loans.

This foundation evolved into a high-tech ecosystem, supercharged by the strategic acquisition of BNPL leader PayJustNow. Sean explains how this move transformed their growth, turning a low-margin product into a powerful acquisition engine that feeds their entire flywheel.

In this episode, you’ll learn:

• The "unfair advantage" of using proprietary behavioral data over thin credit bureau files.

• The strategic thinking behind buying a customer acquisition channel (PayJustNow) instead of building one.

• The staggering unit economics: why a 2-product customer is 8x more valuable than a 1-product customer.

• How to create a "virtuous flywheel" where cross-selling "opens the jaws" between revenue and cost, improving your entire business.