Building an all-in-one credit platform, with Ash Bhatt (Pillar)

As a three-time immigrant myself, I’m always going to pay attention when I hear that’s there’s a new fintech in town building credit that moves with you, doubly so when one of the co-founders of that fintech is Ash Bhatt who I first met when he was Head of Lending at Revolut, for the US and UK markets. Ash has used that international experience, and his own experience as an immigrant in London, to build Pillar as an all-in-one credit platform for anyone who finds themselves excluded from the traditional credit marketplace.As you know, the person who has withdrawn cash on the credit card is deemed high-risk, but when the person is actually withdrawing the cash why wouldn't the credit card company give them a prompt saying, “hey, did you realise if you do this, your score may go down?”Pillar will help consumers build credit scores, maintain those scores, and access credit all in one place, and you can learn more - and join their waiting list - at https://www.hellopillar.com/This is also my first in-person recording, and while I need to improve my mic discipline, I hope the more interactive feel outweighs the little patches of poor audio.If you’re interested in the risk-based pricing study I mentioned, you can read a summary on my LinkedIn page here: https://www.linkedin.com/pulse/increased-price-transparency-shake-up-hong-kong-loan-market-brendan/And the full discussion with Misha Esipov of Nova Credit, where we cover related topics, is episode 11 - https://www.howtolendmoneytostrangers.show/episodes/episode-11Or if it is me you're after, you can find me on my LinkedIn page (feel free to connect), and my action-adventure novels on Amazon, some versions even for free.If you have any feedback, questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.Regards,Brendan Hosted on Acast. See acast.com/privacy for more information.