SME lending, AI credit models, and a patchy economy — David Carbines covers it all in this lively Intersekt chat.Chris Titley sits down with David Carbines, founder of Cogsflow, to unpack:💼 How Cogsflow has navigated a year of rapid growth and shifting economic conditions🤖 Why they’re cautiously integrating AI into their credit models — and why “smart but ill-disciplined employees” is the perfect metaphor for LLMs🌏 How global trade shifts are influencing Aussie SMEs’ expansion plans⚡ The tech priorities driving better merchant experiences, speed, and sustainable growth🔥 Why intersecting with the fintech ecosystem in Melbourne remains invaluable for interstate foundersA candid conversation on fintech strategy, AI experimentation, and staying sharp in a fast-moving market.

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