On today's podcast, we have Chijioke Dozie, CEO of Nigerian fintech, Carbon, talk to us about what it would take to give loans at scale in Nigeria.    This is a new format we're trying. Please let us know what you think via email ([email protected]) or in the Q & A section on Spotify.   Attend our webinar on the Employer Handbook: The 5 biggest hiring and employment mistakes that can lead to litigation, penalties, and loss of funds (and how to avoid them)   Register to attend here.   Subscribe to The Modern Workplace, Equity Merchants, Techpoint Digest and Intelpoint's newsletter    Timestamps 00:00 - Cold open 00:41 - Intro 01:00 - News headlines this week 02:24 - We meet Chijioke 02:42 - Are Nigerians credit averse? 03:42 - Lessons from the friends and family trope 04:32 - How customers and bankers reacted to Carbon 06:05 - Biggest barriers to lending in Nigeria 08:17 - Should fintechs have access to GSI? 11:27 - Attend our webinar on legal loopholes for employers 12:42 - The role of credit bureaus 16:01 - The role of regulation 17:05 - Why collaboration to fight fraud doesn't work 19:39 - How can partnerships help 22:30 - Credit as a customer acquistion strategy 24:11 - Top three lessons from giving out loans to Nigerians 29:33 - Nigeria's macroeconomics could change lending behaviour   News stories we mentioned Flutterwave's Disha to suspend operations temporarily on March 31, 2024 Fairmoney to acquire Umba in a $20 million all-stock deal  CBN allegedly planning to shut down all crypto websites in Nigeria FG to provide