WHAT'S UP DIGITAL LENDING?

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...

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...

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...

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...