How FLOTE is Disrupting BNPL Using Real-Time Cash Flow Data

Is the FICO score a relic of the past? 🏛️

In this episode, Navin Shetty talks with Peter Maher, CEO of FLOTE (Ovanti), about how they are bypassing traditional credit checks to provide liquidity to millions of "debit-only" consumers.

What we cover:

• Why the credit score is a "lagging metric" that punishes the wrong people.

• How FLOTE uses cash flow data to approve users in real-time.

• The role of Agentic AI in building a world-class risk engine with a tiny team.

• Navigating the "controlled chaos" of a U.S. fintech launch for an ASX-listed player.

• The "Affordability for Good" philosophy.

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#Fintech #BNPL #CreditScore #FLOTE #PeterMaher #PowerTalkShow #PaymentsInnovation