From IPO turbulence to profitability — and a booming AI analytics business.Chris Titley sits down with Jamie Twiss, CEO of ASX-listed Beforepay and Carrington Labs, to unpack:💰 How Beforepay turned its lending business around, achieving $6.7M profit and writing 40,000 loans a week with just 50 staff🧠 Why Carrington Labs was born from their in-house risk models — and is now growing fast in North America🤖 Jamie’s refreshingly honest take on AI hype vs. real utility in fintech📈 How disciplined cost control and sharp strategy helped the company thrive post-IPO downturnA sharp, funny, and insightful chat with one of Australia’s most data-driven fintech leaders.

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