#422: Shmulik Fishman of Argyle

The most important type of financial data in our lives is our income data. This one factor can determine whether we get approved for a loan or to rent an apartment. And yet the majority of people today do not have a traditional salary providing 100% of their income. They often have disparate sources of income that until now has made it very difficult for financial institutions to process.My next guest on the Fintech One-on-One podcast is Shmulik Fishman, the CEO and Co-Founder of Argyle. Argyle is all about solving this problem by working with a huge number of sources to provide a complete and accurate picture of income. This process is embedded into a loan or rental application to help make more informed decisions.In this podcast you will learn:The founding story of Argyle.How Shmulik describes Argyle today.Their core competency and how they embed their experience.How they customize their offering depending on the use case.How they handle people with disparate income sources.The challenge of connecting to tens of thousands of payroll systems.The percentage of the workforce they cover.How they work with payroll-linked lending.Why mortgage lending is the holy grail for income verification.How their direct deposit switching offering works.How they work with the gig economy vertical.How traditional banks are learning from new digital banks.What it means today to be a modern lender.The best practices when it comes to automated underwriting.What the movement towards instant payouts means for funding of loans.What is coming down the pipe at Argyle.Connect with Shmulik on LinkedInConnect with Argyle on LinkedInConnect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes