At the Fintech Forum in Riga, we had the pleasure of speaking with Armands Broks, the founder of TWINO, a prominent peer-to-peer lending company. Armands goes into the journey of TWINO, which has impressively funded over a billion euros in loans and operates across seven global markets. He shares insights on how Latvian companies, like TWINO, often start with a small domestic market before scaling globally, using the local ecosystem as a testing ground for broader success. Discussing the current state of the Latvian fintech ecosystem, he notes the rising momentum in the payments sector and the global influence of Latvian fintech initiatives. Lastly, Armands touches on the importance of bringing fresh perspectives into the industry, particularly by engaging younger talent who view the world differently. Tune in to the full interview for more insights from Armands Broks on the evolution of the fintech landscape and the exciting trajectory of companies like TWINO.