Jake Wombwell-Povey, CEO and co-founder of Goji, discusses increasing inflows after the Innovative Finance ISA’s slow start and what percentage are transfers from cash ISAs. In the direct lending space, he discusses the end of the ‘early adopter’ phase for retail investors, Goji’s increasing focus on advisers and the demographic of clients they recommend these investments to. The discussion takes in Goji’s history, status as an aggregator and approach to due diligence on the lenders it works with.