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Artwork for SALAD TALKS MONEY

SALAD TALKS MONEY

SALAD
Salad Finance
Open Banking
Credit Score
Hoops Finance
London, United Kingdom
Credit Reference Agencies
CCJ
Savings

We’ve launched a new short-form interview series that shines a light on the real issues in consumer finance in the UK. Each 20-40 minute episode will feature candid conversations with industry experts and partners, exploring practical topics such as credit files, responsible lending, benefits, affordability, and the challenges faced by everyday workers. The aim is to create clear, accessible insig... more

PublishesDailyEpisodes3Founded25 days ago
Number of ListenersCategories
How ToEducationSelf-Improvement

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Artwork for SALAD TALKS MONEY

Latest Episodes

Good money habits aren't built overnight, they're developed through the right knowledge, conversations and decisions at every stage of life. In this episode, we're joined by Funmi Olufunwa, personal finance educator, founder of Hoops Finance, and for... more

Your credit score can affect everything from getting a loan to securing a mortgage, but how is it actually calculated, and what really matters? In this episode, we're joined by Craig Pennington, a credit industry expert, to take you behind the scenes... more

You don't need thousands of pounds to start building wealth. In this episode, we're joined by personal finance expert Mr MoneyJar, Rotimi Merriman-Johnson, to answer one of the most common money questions: "I can save a little each month – what shoul... more

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Recent Guests

Funmi Olufunwa
Personal finance expert, educator, founder of Hoops Finance
Hoops Finance
Episode: Healthy financial habits for life, from young to old - Funmi Olufunwa
Craig Pennington
CEO of Salad Finance
Salad Finance
Episode: Understanding your credit score from a credit insider - Craig Pennington
Rotimi Merriman-Johnson
Financial educator known as Mr. MoneyJar; founder of Mr. MoneyJar
Mr. MoneyJar
Episode: Get rich slowly with Mr MoneyJar - Rotimi Merriman-Johnson

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Talking Points

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Get rich slowly with Mr MoneyJar - Rotimi Merriman-Johnson
Q: What is the Black British wealth gap and what's causing it?
He cites ONS data showing a massive gap in median household wealth between the general population and Black British groups, tying it to home ownership, financial assets, and systemic factors.
Get rich slowly with Mr MoneyJar - Rotimi Merriman-Johnson
Q: Tell us a bit about you and why you do what you do.
Rotimi explains his background as a financial educator who runs Mr. MoneyJar, focuses on personal finances, investing, and specifically Black British wealth, to educate and empower people.
Understanding your credit score from a credit insider - Craig Pennington
Q: What is open banking and why is Salad using it for underwriting?
Open banking provides real-time view of a person's income and expenditures, allowing more accurate affordability assessments that reflect current finances rather than historical credit data; Salad uses this to determine what a person can actually afford.
Understanding your credit score from a credit insider - Craig Pennington
Q: What affects the credit score, and what can people control to improve it?
Factors include payment history, on-time bill payments, electoral register status, and whether rent is reported to agencies. People can improve by registering to vote, paying bills on time, and ensuring rent or other payments are properly reported to credit reference agencies.
Understanding your credit score from a credit insider - Craig Pennington
Q: How do credit providers typically decide whether to lend to and who to lend to?
Mainstream lenders rely on credit scores to assess affordability, though the decisive factor often lies in how the score is interpreted and the underlying data. In practice, lenders may use a score for internal decisioning, while consumers see a separate score, and the ultimate decision is influenced by payment history and current financial behavior.

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SALAD TALKS MONEY launched 25 days ago and published 3 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on SALAD TALKS MONEY?

Recent guests on SALAD TALKS MONEY include:

1. Funmi Olufunwa
2. Craig Pennington
3. Rotimi Merriman-Johnson

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