The Fintech Helping You Build Credit Just by Paying Bills!

Описание: In this episode of The Fintech Combine, host Kris Kovac sits down with Jonty Hirsowitz, founder and CEO of Deferit, to explore how his latest innovation — Pebble — is helping consumers build credit simply by paying their everyday bills on time. Jonty shares his journey from corporate law to fintech entrepreneurship, the problem Pebble solves for thin-file consumers, and how credit unions can use embedded credit tools to engage younger members and drive financial inclusion.

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00:00 – Welcome to The Fintech Combine with Kris Kovac
00:40 – Meet Jonty Hirsowitz: Founder & CEO of Deferit
01:15 – From Corporate Lawyer to Fintech Entrepreneur
02:30 – The Birth of Deferit: Helping Consumers Budget Smarter
04:00 – Introducing Pebble: Building Credit Through Bill Payments
05:45 – The Problem Pebble Solves for Thin-File Consumers
07:00 – Why On-Time Payments Should Boost Your Credit Score
09:00 – How Pebble Integrates with Credit Unions & Banks
11:00 – Turning Bill Pay Into a Credit-Building Opportunity
13:00 – The Business Model for Credit Unions & Member Engagement
15:00 – How Pebble Helps Attract Younger Members (25–45 Demographic)
17:00 – Real Impact: Credit Score Growth & Consumer Outcomes
18:45 – Partner Pilots: How Credit Unions Can Get Started
20:30 – Building Embedded Fintech Tools That Actually Work
22:00 – Navigating Credit Bureau Partnerships & Compliance
25:30 – Lessons from the Startup Journey
26:30 – Advice for Aspiring Fintech Founders
28:00 – The Future of Pebble, Alternative Data & Open Banking
30:00 – How to Connect with Jonty Hirsowitz
30:30 – Closing Thoughts from Kris Kovac