Recorded in London, this episode brings together two of the most insightful voices in UK mortgage fintech, Jinesh Vohra, CEO & Founder of Sprive, and Andrei Lebed, CEO and Co-founder of Koodoo, for a roundtable discussion with Money20/20's VP, Fintech Strategy, Zach Anderson Pettet, and Head of EU Content, Ian Horne.
Jinesh shares the story behind Sprive, a mortgage overpayment app saving users millions in interest and shortening loan lifespans—without impacting daily lifestyles. He explains how Sprive’s "Shop with Sprive" feature incentivizes smarter spending while integrating with major UK brands.
Andrei unpacks how Koodoo powers mortgage comparison sites and builds embedded mortgage infrastructure for major lenders. He reveals why the unit economics of mortgage tech are so brutal, and how AI is helping to create scalable, compliant, customer-centric advice journeys.
Key Topics:
-The historic hurdles of mortgage-focused VC funding
-Why acquiring mortgage customers is painfully expensive
-How AI can pass mortgage adviser exams, and why that scared the market
-The problem with “credit risk” and the illusion of individual pricing
-Why long-term mortgage innovation is ripe for digital disruption
Sprive: https://sprive.com/
Follow Jinesh Vohra: https://www.linkedin.com/in/jinesh-vohra/
Koodoo: https://koodoo.io/
Follow Andrei Lebed: https://www.linkedin.com/in/andrei-lebed/
Follow Money20/20:
YouTube: @Money2020Tv
LinkedIn: https://www.linkedin.com/company/money2020/
Instagram: https://www.instagram.com/money20_20
Facebook: https://www.facebook.com/Money2020
X: https://www.twitter.com/Money2020
TikTok: https://www.tiktok.com/@money20_20
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