Podcast 141: Moats in the Era of AI: Why Software Stopped Being the Advantage

Podcast 141: Moats in the Era of AI: Why Software Stopped Being the Advantage

If AI is making it cheap and easy to build technology, what actually separates one lender — or one vendor — from the next?

In this episode, Patricio Pazmiño, Chief Product Officer at Kin Analytics, breaks down why proprietary data, embedded expertise, and industry relationships are becoming the real moats in equipment finance, and why the tech stack itself no longer is.

We cover:

• Why AI is more of an opportunity than a threat for product teams

• What's actually defensible when a competitor can buy the same tech stack tomorrow

• Why the "easy" automation race misses the decisions that matter most

• Real examples of identical tools producing very different outcomes

• What lender leadership teams should protect and invest in over the next 3-5 years

Patricio Pazmiño is Chief Product Officer at Kin Analytics, which has spent a decade building technology and credit scoring models purpose-built for the equipment finance industry.

Subscribe for more conversations on lending technology, AI, and credit decisioning.

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Avsnitt(145)

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Podcast 139: Unleashing the Power of "Muppet Data" in Equipment Finance

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Podcast 138: Navigating Full AML Enforcement in Canada

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As of April 1, 2026, the "informal pause" on anti-money laundering (AML) enforcement in Canada has officially ended. Financing and leasing companies are now subject to full assessments and audits by F...

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Podcast 137: Why Outsourced Servicing is the New Standard for Equipment Finance

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In this episode, Rita Garwood sits down with Joe Andries of GreatAmerica Portfolio Services Group to discuss the rapid acceleration of third-party servicing in the equipment finance sector. Joe breaks...

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