Tarang Gupta hosts Neal Desai, CEO & Co-founder of Kafene, a fintech company helping consumers with affordable lease-to-own options for furniture, appliances, electronics, tires, and more. In this episode you will hear about - What is lease-to-own (LTO) and how it is different from the BNPL model - Challenges of disrupting and modernizing a legacy industry - Difference between financing companies holding risk on balance sheets vs those that operate as a marketplace - Not letting fear dictate one's decision making process - Value that an MBA added to Neal’s entrepreneurial journey And much more! About Neal Desai Neal Desai is the Co-Founder and CEO of Kafene. Before Kafene, Neal was the CFO at Octane Lending, a fintech unicorn. Neal also has almost 15 years of experience as a portfolio manager and a trader at companies like Alpine Partners, Summit Securities, and Merrill Lynch. Neal holds an MBA from the Wharton School and a B.A. from Princeton University. About Kafene Kafene is a Series B fintech startup that is a point-of-sale payment partner and underwriting technology platform helping retailers offer flexible lease-to-own (LTO) purchase options for prime and nonprime consumers. Special Announcement The 3rd Annual Wharton Fintech Conference scheduled for March 30 and 31, 2023. This year's lineup includes speakers from Greycroft, QED Investors, Ribbit, Visa, PayPal, Chime, Ripple, and more. Go to www.whartonfintechconference.com to get tickets! For more FinTech insights, follow us on WFT Medium: medium.com/wharton-fintech WFT Twitter: twitter.com/whartonfintech WFT Instagram: instagram.com/whartonfintech Tarang’s Twitter: twitter.com/tg_tarang Tarang’s LinkedIn: linkedin.com/in/taranggupta100