How Fintechs Are Using Open Banking for Small Business Lending

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How Fintechs Are Using Open Banking for Small Business Lending

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Episode 74 of Fintech Conversations explores how open banking is reshaping small business lending. Lucas and Luna dive into a case study: Kabbage (now part of American Express) and how it used real-time transaction data from business bank accounts to underwrite loans in minutes, not weeks. They discuss the shift from traditional credit scores to cash-flow-based lending, the role of APIs in aggregating financial data, and how regulators in the UK and EU are pushing open banking adoption. Specific numbers: Kabbage's automated platform approved loans up to $250,000, and the UK's Open Banking Implementation Entity reports over 7 million users as of early 2026. The hosts also touch on the potential for open banking to reduce the SME funding gap, which the World Bank estimates at over $5 trillion globally. No fluff, just a detailed look at one of the most practical applications of open banking in fintech today. #Fintech #OpenBanking #SmallBusinessLending #Kabbage #AmericanExpress #CashFlowLending #APIs #SME #FundingGap #UKOpenBanking #EUPSD2 #RealTimeData #BusinessLoans #Underwriting #FintechConversations #BusinessAndTechnology #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo

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