Jon Fry is the CEO and Founder of Lendflow, a fintech company that powers embedded lending infrastructure for fintechs, SaaS platforms, and lenders. With APIs, orchestration tools, and AI automation, Lendflow helps companies launch and scale lending products while streamlining underwriting, compliance, and operations. With a background that combines a Master’s in Professional Accounting and studies in International Tax, Jon’s experience spans founding multiple fintech ventures beginning in 2014. Before Lendflow, he developed technology for underwriting and loan originations, which laid the foundation for his current company. Alongside his technical knowledge, Jon’s time living and working across Asia has shaped his approach to building diverse, global teams and leading innovation in financial services.

In this episode, Jon shares how his early interests in strategy games and web development naturally led him to entrepreneurship, and how traveling abroad opened his eyes to the value of global talent in fintech. He discusses how Lendflow uses AI not to replace humans but to elevate their work, making loan approvals faster and more personalized while removing routine tasks. Jon also explores the evolving relationship between humans and AI in workplaces, highlighting the growing role of automation alongside meaningful human decision-making. Throughout the conversation, he emphasizes the importance of focusing on user experience and transparency to simplify complex financial processes and create solutions that truly help small and medium businesses access capital.