Episode Highlights:

1. Secondary Market: Addressing the most upvoted community question, Kimmo discusses the prospects for a secondary market on Income Marketplace. He explains that while plans are in place, Income is being cautious to ensure sufficient liquidity before launching. The feature may arrive next year if growth targets are met.

2. Investor Loyalty Program: Denny and Kimmo discuss a possible loyalty program to reward investors with larger portfolios, inspired by successful programs in the industry. While specifics are still in development, the program would aim to encourage and recognize high-level investments.

3. Cashback Campaigns: The team shares their conservative stance on cashback promotions, opting for stable, high yields rather than temporary incentives. However, Kimmo mentions they are open to budget-based incentives that align with Income’s investment strategy.

4. Automatic Monthly Withdrawals: In response to a community question, Kimmo clarifies that Income currently has no plans for an automatic monthly withdrawal feature, as it has not been a widely requested option among investors.

5. Paused Bridge Payments for Click Cash: Kimmo explains the temporary pause on bridge payments to Click Cash, detailing how this decision allows the loan originator to focus on raising funds to cover outstanding debts directly.

6. Auto-Invest Functionality: A question about Auto-Invest performance prompts Kimmo to assure listeners that the feature is working well but could be influenced by user settings or specific loan availability. He encourages investors to reach out if they notice issues.

7. Product Simplification: In response to suggestions for a one-click investment option like Bondora’s Go & Grow, Kimmo shares the legal and technical challenges involved. While they are exploring a user-friendly solution, transparency remains a priority.

8. Server Capacity and Performance: Kimmo addresses concerns about platform speed, noting that performance issues often occur on clearing days due to high system demands. The team is working on improving stability and load handling.

9. Regulatory Changes in Indonesia: New regulations in Indonesia are driving significant changes for loan originators like Danarupiah and Danabijak. Income is working closely with these partners as they transition to offering longer-term loans in response to stricter interest rate caps.

10. Closing Remarks: Kimmo thanks the community for their questions and support, sharing optimism for Income’s future and a hopeful outlook on his health recovery.

Tune in for more engaging discussions in future episodes of Income Insights!

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