My guest at The Curious Learners is Federico Travella. As a venture builder, he has been involved in the foundation of very successful start-ups in South East Asia (e.g. Lazada).He then went ahead and started his own company, Novicap, which is an end-to-end financing provider for SMEs.Federico and I had a great conversation about financing SMEs, inefficiency in the market and the opportunity to unlock financial inclusion. Some of the specifics that we discussed are below:- Opportunity in fintech lending --> Inefficiency of incumbent banks and their non-functioning unit economics due to lack of technology- Most critical building blocks of a fintech lending business --> Cutting edge technology, legal & regulatory knowledge, capital markets expertise- Opportunity for AI + Blockchain combined --> Automated risk underwriting and enhanced financial inclusion- Effectiveness of fintech & bank partnerships --> Not great due to complexity and regulated nature of the banks- Team vs. idea debate --> Choose team over anything (if there is a large enough market)Please enjoy my conversation with Federico Travella. 

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