So you want to disrupt finance? This is what it’s going to take

For decades (centuries, really) lending in Japan has relied on personal guarantors and introductions rather than objective credit scoring. This startup is changing that.  Before starting Credit Engine, which provides credit scoring, automated approvals, and other services to mega-banks and other financial institutions,  Sei Uchiyama founded an online lending startup to ensure he understand this market from the bottom up.  Credit Engine currently automates everything from loan approvals to the collection of delinquent and non-performing loans, and its already starting to change finance in Japan.  Sei and I talk about the future of finance in Japan and the surprising way competition between FinTech startups and the banks is likely to play out. It's a great conversation, and I think you'll enjoy it.