WHAT'S UP DIGITAL LENDING?

• #22: Chaos in Non-Bank Lending - How Credibur Supports Investors Make Clear Choices

  When investors encounter non-bank lenders, things get really interesting. We are entering a world where Excel is often still king. Good old gut feeling replaces knowledge because there is a lack of transparency and structure. This is where series founder Nicolas Kipp comes in with his Berlin-based start-up Credibur. Now it's time to put on your smock, grab your broom, and let's go! Speaker: Nicolas Kipp, Founder & CEO @ Credibur Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Subscribe to our Quarterly Briefing:https://digitallenders.eu/#Newsletter Follow us on LinkedIn: https://de.linkedin.com/company/digital-lending-association

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• #22 - Riding the Energy Wave - Regulated Infrastructure as the Next Big Thing?

  Everyone is talking about the transformation of energy supply at the moment - but how can debt investors benefit from it? Ventus.energy’s CEO Henrijs Jansons drops by the podcast and provides an answer to this. The company from Latvia specializes in sustainable energy supply and acquires regulated infrastructure entities in the renewable energy and utilities sector. Set the sails - we're going on a trip to the Baltics, folks! Speaker: Henrijs Jansons, CEO @ Ventus.energy Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Subscribe to our Quarterly Briefing:https://digitallenders.eu/#Newsletter Follow us on LinkedIn: https://de.linkedin.com/company/digital-lending-association Digital Lending Summit 2025: https://www.finfellas.com/frankfurt-2025

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• #21: ‘Honey, I Shrunk the Portfolio!’ - Why Backup Servicing Matters

  Currently, more and more investors fear they will never see their money again. The number of shakeouts in the market continues to rise. The Grey Capital Market is particularly affected. That is why we are talking today with a senior expert about the proper management of operational and financial crisis situations in which it is no longer possible for a Non-Bank Digital Lender (NBDL) to continue operating. Here the back-up servicer steps in. They secure the loan portfolio and keep business operations running. If this process is set up neatly from the outset, everyone benefits: the borrowers, the investors, and even the market due to the stabilizing effect. However, we will also talk about what happens when things go haywire because there is no back-up servicer. Put on some dirty clothes - it's going to get messy! Speaker: Dr. Clifford Tjiok, CCO @ LOANCOS Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Follow us on LinkedIn: [https://de.linkedin.com/company/digital-lending-association](https://de.linkedin.com/company/digital-lending-association) Digital Lending Summit 2025: [https://www.finfellas.com/frankfurt-2025](https://www.finfellas.com/frankfurt-2025)

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• #20: Embedded SME Lending in Times of Open Finance - Transforming the Digital Value Chain

  In this episode, we welcome three seasoned experts from the world of embedded lending, each bringing their own unique perspective to the table: a Non-Bank Digital Lender (NBDL), a service provider, and a consultant. Today, we are taking a different look at the topic because, until now, the focus has always been on what it means for banks. But there is so much more to it than that, considering that NBDLs originate their own loans and were born with a digital DNA. Embedded lending has the potential to blow up established structures - with significant opportunities and risks for all stakeholders involved on the digital digital value chain. Join the conversation! Speakers: Ariane Sophie Dallmann, Senior Manager @ PwC; Fabian Platzen, Managing Director @ iwoca; Niclas Storz, founder and CEO @ tidely Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Follow us on LinkedIn: [https://de.linkedin.com/company/digital-lending-association](https://www.finfellas.com/frankfurt-2025) Digital Lending Summit 2025: [https://www.finfellas.com/frankfurt-2025](https://www.finfellas.com/frankfurt-2025)

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• #19: Digital Consumer Lending - Opportunities & Risks in a € 700 Billion Market

  It's already been more than two years since we last talked about consumer lending in our very first show. Time for a new episode! Today, we will be discussing current market developments, returns and defaults, the competition between banks and Non-Bank Digital Lenders (NBDL), as well as financial consumer protection. The new Consumer Credit Directive (CCD) places an even stronger focus than ever before on over-indebtedness and credit risk management. It also paves the way for an EU-wide regulation of digital consumer credit in order to better protect investors. So it's pretty cool that we're not just talking to two fintech lenders, but also to an asset manager with a focus on digital consumer loans who can share the investor perspective. Tune in and join the discussion! Speakers: Claus Tumbrägel, Co-Founder & Co-CEO @ nordIX located in Germany Roman Feranec, Founder & CEO @ ZLTY Melon located in Slovakia Darius Noreika, CEO @ Finbee located in Lithuania Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. Subscribe to stay updated on new episodes! Follow us on LinkedIn: https://de.linkedin.com/company/digital-lending-association Digital Lending Summit 2025: https://www.finfellas.com/frankfurt-2025 DLA Statement on Art. 46 Sec. 2 in the Consumer Credit Directive: https://digitallenders.eu/wp-content/uploads/2025/07/250721_DLA_CCD3_Art.-46-Abs.-2_English_.pdf

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