Podcast

This is the first podcast exclusively focusing on Digital Lending. We make a deep dive into the most important market developments, analyze opportunities for investors, and discuss the latest regulatory issues.

December 5, 2025

#22: Chaos in Non-Bank Lending – Supporting Investors to Make Clear Choices With Intelligent Debt Facility Management

When investors encounter Non-Bank Digital 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, Germany

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

September 4, 2025

#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: Clifford Tjiok, CCO @ LOANCOS, Germany

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

August 21, 2025

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

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 value chain. Join the conversation!

Speakers:

Niclas Storz, Founder and CEO @ tidely, Germany
Ariane Sophie Dallmann, Senior Manager @ PwC, Germany
Fabian Platzen, Managing Director @ iwoca, Great Britain

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

August 13, 2025

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

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:

Darius Noreika, CEO @ Finbee, Lithuania
Claus Tumbrägel, Co-Founder & Co-CEO @ nordIX, Germany
Roman Feranec, Founder & CEO @ ZLTY Melon, Slovakia

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

Mai 22, 2025

#18: Digital Bonded Loans – Navigating the Leeway Between Bonds & Loans

Corporate bonded loans are an exciting alternative to pure loans and bonds for both SMEs and investors. Invented in Germany a long time ago and increasingly spreading throughout Europe, the ‘Schuldschein’ is classified as a bilateral loan, whereby the loan agreement also serves as a certificate of debt, providing legal proof in court. But there’s more: The agreement is not a security within the meaning of MiFID or other regulations which avoids high complexity due to prospectus requirements and rating costs. Plus, you don’t have to deal with lengthy contracts and covenants that are typical for loans. Not to mention the long prep time. This flexibility makes the bonded loan an appealing instrument on the international capital market – and, due to the comparatively low costs, even for smaller volumes. Since it does not require time-consuming and costly documentation, the bonded loan is perfectly suited for a disruptive, highly standardized, digital emission process managed by Fintechs.

Listen in to what a seasoned expert of a marketplace lender from Germany has to say about this segment. Are there any nasty pitfalls after all? Where lie the biggest opportunities? What is the status of digitization? How does the bonded loan perform compared to bonds and loans? Folks, in this episode, we take a look at the future of SME financing in Europe. Join the show!

Speaker: Christoph Steinbrich, Managing Director @ DEBTVISION, Germany

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

Mai 6, 2025

#17: Digital Impact Lending – Case Studies, Investment Opportunities & Visions for a Better Future

In today’s episode four Fintech lenders from the Netherlands, Portugal, Spain and Sweden drop by the podcast and tell us their impact stories.

The universe of digital private debt with impact is expanding throughout Europe. We have learned from our annual investor conference, the Digital Lending Summit, that an increasing number of people would like to get information about this appealing sub-asset class within Digital Lending. But they also want to hear more about the real impact, the risks and opportunities. We talk about different business models, market developments especially in times of Trump, liquidated USAid and tariffs, credit risk, returns and defaults. And of course, we discuss the key question of what Digital impact lenders can shape to create a fairer, greener, and more social future in Europe.

Speakers:

Gabriela Chang Valdovinos, Co-Founder & CSO @ EthicHub, Spain
Nuno Brito Jorge, Co-Founder & CEO @ Goparity, Portugal
Daniel van Maanen, CFO & Senior Investment Manager @ Lendahand, Netherlands
Christoffer Falsen, Founder & CEO @ trine, Sweden

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

April 15, 2025

#16: DLA Meets SMLA – The State of Fintech Lending

DLA meets the Swiss Marketplace Lending Association (SMLA) and discusses latest trends and predictions in Non-Bank Digital Lending from inside and outside the EU. What’s up on the borrower side and how is the investor side developing? What are the growth drivers of today and tomorrow? What is the current state of the Fintech Lender – bank relationship? How do the four high level speakers assess the current political and regulatory environment in Europe – and what ideas do they have for improvement?

Speakers:

Stefan Pomberger, SMLA Board Member & Co-Founder & Head of Cosmofunding @ Vontobel, Switzerland
Matteo Bernadoni, SMLA President & Co-Head Client Needs @ UBS, Switzerland
Marco Hinz, DLA Board Member & CEO @ CrossLend, Germany
Patrick Stäuble, DLA Board Member & Founder & CEO @ Teylor, Switzerland

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

March 31, 2025

#15: NIS2, DORA & CRA – Strengthening Cyber Security Along the Digital Value Chain

Do you know what it feels like to go through a cyber attack and have everything turned upside down? No…? Then join our show. We will present a company that is still suffering from the consequences today. It’s a valuable report that all Digital Lenders and beyond should carefully listen to!

We will also talk about NIS2 and DORA in detail: about the scopes of application and their delimitation, implementation in practice and first hand experiences with the biggest challenges, a resilient ITC risk management and, of course, the best way to cope with a cyber attack – when all preventive measures have nevertheless failed.

Finally, all Fintech Lenders and beyond who resell their software on a SaaS basis, pay attention please: CRA is for you, folks! And in this context, we also discuss the Product Liability Directive. The risk heat map is on fire! 😀

Speakers:

Eduard Singer, Managing Partner @ neusinger, Germany
Frank Fischer, Partner @ Annerton, Germany
Jan Pomplun, CEO @ BerlinerLuft, Germany

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

December 30, 2024

#14: Access to Finance – What Role will Open Finance & AI Play in Mitigating Disparities?

By using modern credit technology Digital Lenders can go beyond. Additional risk data scooped by way of Open Finance and Artificial Intelligence allow to serve the unserved who might otherwise have been overlooked. Thus, fintechs are able to do their bit for the supply of private credit in Europe. But how deep is it worth to drill into the customers‘ data? Which role plays transparency and data quality? Which combination of technology and human involvement makes sense to avoid disparities in hybrid models – can a fair line be determined where potential harm outweighs benefits? How exactly does the combination of Open Finance and AI support underwriting models?‌

Speakers:

Tamara Kumposcht, Head of Banking @ taktile, USA
Peter Hiekmann, Vice President Sales @ finAPI, Germany
Patrick Wolff, Partner @ GvW Graf von Westphalen, Germany
Kimmo Rytkönen, Founder & CEO @ getincome, Estonia

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

December 13, 2024

#13: Onboarding in Digital Lending – The ABC of a Perfect Customer Experience

Join us as we walk for the first time at the very beginning of the value chain and dive deep into onboarding in Digital Lending. Listen to four extraordinary experts from France and Germany.

In this episode, we will take a deep dive at the beginning of the value chain and find out what ensures fast and secure lending since onboarding is one of the most important parts of the lending process. If you mess up here, you risk high dropout rates and poor margins. Hence, how can Digital Lenders design their onboarding in a way that ensures they don’t have to compromise on the quality of their identity checks, KYC/AML requirements and a good customer experience? What are the trends, risks and opportunities? Which technological approaches should lenders be aware of and how easy is it to integrate them? What regulatory compliance requirements need to be considered – such as the Accessibility Directive? How will Open Finance and AI exert influence on the future of onboarding in Digital Lending?

Speakers:

Nicole Czollek, Director Partner Sales @ Business Service Solution, Germany
Alexander Maier, VP Sales Financial Services @ IDnow, Germany
Damien Guermonprez, Co-Founder and CEO @ Lemonway, France
Till Otto, Senior Associate @ Annerton, Luxembourg

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

August 14, 2024

#12: Beats’n’Bonds – Investing in Music Catalogues

In this enlightening talk we discuss the securitization of cash flows from music rights introducing investors to an appealing sub asset class within Digital Debt. We also discuss Taylor Swift’s impact on credit risk assessment. This episode moves beyond the usual conversations offering a visionary look at the innovation power driving the future of Fintech Lending.

Speakers:

Daniel Maier, Founder & CEO @ Chartered Investment, Germany
Jan Denecke, Founder & CEO @ twelve x twelve, Germany

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

July 16, 2024

#11: The Battle of the Asset Classes – Digital Lending, Returns and Risks in Volatile Times

We have launched the 2nd season today! Listen to panel #2 at the “What’s Up Digital Lending?” conference in Frankfurt, Germany, on April 24. A top-class investor round discussing latest trends, risks and returns.

Speakers:

Daniel Dobrev, Director Speciality Finance @ Fortress Investment Group, Great Britain
Conor Sheehy, Head of Warehousing EMEA @ HSBC Innovation Banking, Great Britain
Michael Stott, Managing Director @ Waterfall Asset Management, Great Britain
René Trautner, Director @ Deutsche Bank, Germany
Sebastian Walf, Managing Director & Head of Asset-Backed Securities EMEA @ Citi, Great Britain

Host: Jördis Heckt-Harbeck, Partner @ Linklaters

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

February 13, 2024

#10: European Fintech Lenders Forecast 2024

In the latest episode of our show, we take a look ahead and chat about the state of Digital Lending in 2024 against the backdrop of a mixed economic outlook and interest rate uncertainties. We delve into capital costs, profitability and data, among other things. The podcast also dives deep into Basel3, Open Finance, AI, and the future prospects of Crowdlending.

Speakers:

Patrick Stäuble, Founder & CEO @ Teylor, Switzerland
Maik Taro Wehmeyer, Co-Founder & CEO of Taktile, USA
Andreas Wolf, Member of the Management Board @ Raisin Bank, Germany

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

October 23, 2023

#9: Reshaping the Landscape of SaaS Venture Finance in Harsh Times

South-African Dean Hastie drops by the podcast to talk about revenue based finance and his startup Tapline. How does it work? What are the advantages between traditional lending and VC?

Speaker: Dean Hastie, Co-Founder & CEO @ Tapline

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

September 26, 2023

#8: Democratizing Discounted Debt Investments

The very first podcast with a fintech lender from Latvia. In this episode we talk to Paul Melamed, Co-Founder of INDEMO as well as CEO and Senior Partner of Aquarium Investments, one of INDEMO’s shareholders. The company belongs to the increasing group of regulated Digital Lenders as it owns a MiFID license. Listen in and find out what’s up in Latvia and Spain.

Speaker: Paul Melamed, Co-Founder @ INDEMO as well as CEO & Senior Partner @ Aquarium Investments

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

July 6, 2023

#7: Innovation, Trust & Quality in Digital Property Lending

Welcome to our first podcast with a British Fintech lender. In this episode we talk to Ali Celiker, CEO of BRITISH PEARL and Chairman of the Association of Real Estate Investment Platforms (AREIP) – both located in London. In the first part we dive deep into BRITISH PEARL and the real estate market. In the second part of the podcast we talk about AREIP, what the members are hoping to get across with it and the development of industry standards for more trust and quality in the ecosystem. Listen in and find out what’s up in Great Britain.

Speaker: Ali Celiker, Founder & CEO @ BRITISH PEARL, as well as Chairman @ AREIP, the Association of Real Estate Investment Platforms, Great Britain

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

May 9, 2023

#6: Building a Loyal Investor Base & the Future of Digital Lending

In today’s podcast we chat with a digital lender from Zurich. We dive deep into Fintech lending in his country. Listen in and find out what’s up in Switzerland.

Speaker:

Florian Kübler, Co-Founder & CEO @ Lend, as well as Executive Board member @ Swiss Marketplace Lending Association (SMLA), both Switzerland

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

April 28, 2023

#5: Public Sector Loans in the Asset Allocation

We speak at length about the municipal finance landscape in Europe and learn more about their way of bringing digital lending to analogue town halls. Andi highlights some of the key milestones Loanboox achieved in their journey and how investors can take advantage of the marketplace.

Speaker: Andi Burri, Co-Founder & Country Head @ Loanboox, Switzerland

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

March 21, 2023

#4: Paving the Way for Worldwide Investments in Digital Loans and Assets

In this episode, we are speaking about the Frankfurt/Germany based Fintech Exaloan AG which provides convenient technology for institutional investments in digital loans and assets. Its mission is to close the global funding gap that exists to the disadvantage of individuals and corporates by connecting institutional capital with digital lending platforms. What kind of challenges do investors face when dealing with the global digital lending market? How coping the macroenvironment, especially the rising interest rates and the pressure on the creditworthiness, when building up a digital portfolio? What’s up with tokenized digital loans? These and many more questions get discussed.

Speakers:

Luca Frignani, Co-Founder & CEO @ Exaloan, Germany
Romy Ritter, COO @ Exaloan

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

February 16, 2023

#3: Diversification Benefits by Surfing the EU Capital Markets Union

In this episode, we are shedding the light on the pan-European digital lender INVESDOR. They were the first to get the authorization as European Crowdfunding Service Provider in Germany and Austria. But what does this mean for investors and debtors alike? Which role plays tokenization? What’s up with returns and defaults? These and many more questions get discussed.

Speaker: Christopher Grätz, Founder & CEO @ INVESDOR, Netherlands/Finland/Germany

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

January 26, 2023

#2: Real Estate Loans in the Asset Allocation

In this episode, we are talking about the Frankfurt/Germany based fintech LOANCOS. Besides the servicing of loans they offer investments in residential real estate loans. Why should institutionals invest? What are the returns? How do the currently manifold risks affect this asset class? What’s up with the future landscape of Digital Lending in Europe? These and many more questions get discussed.

Speaker: Clifford Tjiok, CCO @ LOANCOS, Germany

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.

November 9, 2022

#1: Live Kick-off on the 1st Consumer Finance Summit

Listen to the first episode of our brand new podcast „What’s up Digital Lending?“. We are pod-casting live from the first Consumer Finance Summit in Cologne on October 27th. The Digital Lending market has grown rapidly across Europe in recent years. In the first half of 2022, the share of online consumer loans in Germany amounted to more than 30 percent. The Consumer Finance Summit provided an in-depth look into the market and what opportunities are available to investors.

Speakers:

Christian Finke, Managing Director @ Monega Kapitalanlagegesellschaft, Germany
Philipp Kriependorf, Co-Founder & Executive Board Member @ DLA

Host: Constantin Fabricius, Managing Director @ DLA

Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information.