Jamie Burink - Fyndoo - Finovate Europe 2023

Why It Matters

By embedding ESG incentives directly into loan pricing, Fyndoo gives banks a scalable tool to meet regulatory pressure, attract green borrowers, and improve profitability.

Key Takeaways

• Fyndoo offers end‑to‑end SaaS platform simplifying lending processes.
• Legacy systems and regulatory pressure create gaps Fyndoo aims to fill.
• Embedded buy‑now‑pay‑later faces costly KYC for small tickets.
• New impact‑loan engine links greener choices to lower interest rates.
• Future roadmap includes ESG‑driven policies and tiered pricing mechanisms.

Summary

Jamie Burink, co‑founder of Fyndoo, opened his Finovate Europe 2023 session by outlining the company’s end‑to‑end SaaS lending platform, which promises to make credit origination, underwriting and servicing “effortless” for banks and alternative financiers. He positioned Fyndoo as a bridge over the fragmented, legacy‑laden lending landscape that many institutions still navigate.

Burink highlighted three core pain points: entrenched legacy systems and regulatory burdens that create costly gaps; the expense of KYC for low‑ticket embedded buy‑now‑pay‑later products; and the growing demand for ESG‑aligned financing. To address these, Fyndoo launched an “impact‑loan” engine that automatically reduces interest rates for borrowers who choose greener assets, such as electric vehicles, thereby embedding sustainability into pricing.

The speaker cited the morning panel on environmental issues as evidence that ESG is now a boardroom priority, yet implementation remains thin. He used the car‑loan example to illustrate how financial products can reward green behavior, and hinted at future features like dynamic confidence scores and policy‑driven pricing that penalise higher‑carbon borrowers.

For banks, Fyndoo’s approach offers a path to modernise legacy stacks, meet regulatory KYC expectations at scale, and monetize ESG commitments through differentiated loan terms. The platform could become a competitive lever as lenders scramble to attract environmentally conscious consumers while preserving margins.

Original Description

At Finovate Europe 2023, we caught up with Jamie Burink the Business Head at Fyndoo. Fyndoo is an end-to-end SaaS lending platform that runs on the cloud. They aim to help financiers with every step of the financing process.

“Lending is full of gaps. If you see the lending space, there are many gaps which are unmet opportunities, we believe, for financial institutions. Lending is a complex business, there are many regulatory pressures, there are many legacy systems and there are many innovators and alternative financiers. With so much happening, it’s hard to get a profitable business.”

“That’s what we try to improve with Fyndoo, to fill in those gaps and unmet needs. That’s how we make lending effortless”