SME lending, AI credit models, and a patchy economy — David Carbines covers it all in this lively Intersekt chat.

Chris Titley sits down with David Carbines, founder of Cogsflow, to unpack:
💼 How Cogsflow has navigated a year of rapid growth and shifting economic conditions
🤖 Why they’re cautiously integrating AI into their credit models — and why “smart but ill-disciplined employees” is the perfect metaphor for LLMs
🌏 How global trade shifts are influencing Aussie SMEs’ expansion plans
⚡ The tech priorities driving better merchant experiences, speed, and sustainable growth
🔥 Why intersecting with the fintech ecosystem in Melbourne remains invaluable for interstate founders

A candid conversation on fintech strategy, AI experimentation, and staying sharp in a fast-moving market.