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Jamie Twiss, CEO of Beforepay Group Limited, takes us deep into the world of ethical fintech that's reshaping how Australians access funds when they need it most. With their Pay Advance product issuing 40,000 loans weekly at an average of just under $400, Beforepay has built a reputation for responsible lending with no hidden fees, late charges, or penalties.

The conversation reveals the sophisticated technology powering Beforepay's impressive sub-2% default rate - their 12th generation risk model that analyzes over 400 separate attributes from transaction data. This isn't just about measuring income or expenses; it's about understanding customer behavior and financial mindsets at a granular level. As Jamie explains, "Just as important is how the customer thinks about their financial obligations and their desire to repay the loan."

What truly sets Beforepay apart is their three-pronged growth strategy: expanding their core Pay Advance business, scaling their recently launched personal loan product offering up to $3,000 over three months, and growing Carrington Labs - their enterprise software arm that provides credit risk analytics to overseas lenders. With over $28 million in cash reserves, 250,000+ active users, and selection for MasterCard's Start Path Accelerator program, Beforepay demonstrates how fintech innovation can deliver both strong financial results and responsible consumer outcomes. Whether you're interested in financial technology, ethical lending, or ASX investment opportunities, this conversation offers valuable insights into a company transforming access to credit for working Australians.