Running a fully paid lending program is one thing. Running it at retail scale – across hundreds of thousands of accounts, with real-time reporting, seamless client opt-in, and infrastructure that keeps pace with a market changing weekly – is another.

In this episode, Matthew Barnett, COO and Head of Operations at Sharegain, joins Doug Mackenzie to explore what separates fully paid lending programs that perform from those that plateau – and how Sharegain gives retail facing financial institutions the operational engine to do a lot more with what they already have.

Key takeaways:

• The real complexity of fully paid lending – It’s not just trading. Legal, marketing, client opt-in, compliance: Matt explains why end-to-end support from day one is what separates programs that scale from programs that stall.
• One contract. One integration – No multiple vendor relationships, no fragmented counterparty integrations. Sharegain is a single point of entry for the entire fully paid lending program.
• Built for retail scale – Hundreds of thousands of accounts, potentially millions. Matt explains how Sharegain delivers real-time reporting, control, and visibility down to the underlying client level.
• Data-driven from the ground up – A single data structure powers automation, AI-readiness, and the ability to keep pace with a market that changes weekly.
• Custodian-agnostic by design – Change custodian, add one, diversify. Your program doesn’t change. Matt explains why that flexibility is a strategic decision, not a technical detail.
• The cost of staying still – Overhauling legacy infrastructure is a 3-5 year program and increasingly unavoidable. Partnering with Sharegain eliminates that burden and generates revenue from day one.