White Fintech
The Craft of the Lending Business
How a lending business is built.
White Fintech examines the financial industry through the construction of the business: what a lender sells, how capital moves, how financial statements are read, and how the economics of a disbursement and a cohort become management decisions.
Ivan Grigorev connects markets, funding and risk with products, technology, operations, people and payments. Seven practical appendices bring together indicators, a model company, checklists, stress scenarios, an executive dashboard, a regulatory calendar and a glossary.
For lending professionals, executives, founders, investors, and people working with financial products, risk and technology.
Translated from Russian, preserving the author’s structure, rhythm and analytical voice. One complete book with continuous Chapters 1–46, conclusion, appendices, notes and sources. Published by Ivan Grigorev, 2026.
From the market to management decisions.
I. The Market as It Is
How lending markets take shape, who participates and how to enter them.
II. The Economics of the Business
Capital, financial statements, unit economics, funding and the financial model.
III. Risk
Credit policy, fraud, scoring, limits, validation and the construction of a risk system.
IV. Value and Investment
Strategy, value creation, investment valuation and the executive’s operating system.
V. Product and Technology
Products, pricing, platform architecture, functional modules and data.
VI. Operations, People, Scale
Acquisition, collections, costs, governance, scaling and crisis management.
VII. Payments
The construction, regulation, risk and economics of a payment company.
VIII. Case Studies
Organizational understanding, method, account restrictions and lending businesses in Mexico and India.
Your English
edition.
The complete book in PDF and EPUB. After payment confirmation, your download page opens and a link is sent to your email.
- All 46 chapters, 7 appendices, conclusion and sources
- PDF + EPUB in one ZIP archive
- Download link available for 30 days
White Fintech · English
US$67.78
Robokassa checkout: 5,790 RUB. The USD reference uses the Bank of Russia rate dated 9 October 2026. Your card issuer determines the final conversion and any fees.
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Before you buy
Is this the complete book?
Yes. One complete English book: all 46 chapters across eight parts, the conclusion, seven appendices, notes and sources. PDF and EPUB are delivered together in one ZIP archive.
How does payment work?
Pay through Robokassa. The charge is 5,790 RUB; the USD price shown is an indicative equivalent using the exchange rate dated 9 October 2026. Your bank determines the conversion to your card currency and any fees. International card acceptance depends on the issuing country and bank.
When will I receive the files?
After Robokassa confirms payment, your order page provides the download link. The same link is sent to your email and remains available for 30 days. If you have trouble accessing the files, email hello@human-fintech.com.
Is the Russian edition included?
This purchase contains the complete English translation. The Russian edition is sold separately. A personal purchase is for one reader. No printed copy is included.