2022年7月6日

这个iframe包含处理Ajax驱动的Gravity Forms所需的逻辑。十年前，每个人都想建立一个直接贷款机构，但LendKey采取了不同的方法，走向B2B。他们希望与地区银行和信用合作社等贷款机构合作，帮助它们发展自己的贷款业务。LendKey现在是一个良好的网络借贷平台，旨在为银行、信用合作社和金融科技公司提供资本和流动性管理。我与该公司创始人兼首席执行官文斯·帕西内(Vince Passione)谈到了“贷款即服务”模式的演变，以及当前的宏观贷款格局。LendKey是如何开始“贷款即服务”业务的?早在2009年，我们就看到了需求，而且需求很简单——我们处理的许多客户，尤其是当地社区贷款机构、社区银行、信用合作社，既没有技术也没有能力提供数字贷款解决方案。我们从教育贷款开始，这是相当数字化的，因为学生在网上申请。通过为当地社区贷款机构建立一个贷款即服务平台，使他们能够贷款是有意义的。我们的解决方案非常受欢迎，所以我们开始转向其他资产类别。 We built a full turnkey solution, providing the decisioning capability, the origination platform, as well as the servicing system, and also providing the call center and the operations. What makes a good partnership between a technology provider and a bank? The first and one that’s probably overlooked is about culture – the first thing you need to do is build a company that’s very focused on building a culture around serving a partner who has to deal with a prudential regulator. That means talking to those regulators and explaining what you’re going to do. In each instance, it wasn’t an easy conversation. Regulators don’t really like change. This content is available exclusively to Tearsheet Outlier members. Missing out? Subscribe today and you’ll receive unlimited access to all Tearsheet content, original research, exclusive webinars and events, member-only newsletters from Tearsheet editors and reporters and much more. Join Outlier now — only $49/mo . Already an Outlier member? Sign in to your account 0 comments on “Lending Briefing: Five questions with Vince Passione, CEO and founder of LendKey” You must be logged in the post a comment.