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The Free Toaster is your best resource at the intersection of marketing, lending, and fintech. We deliver news, data, and insights to help you acquire more customers.
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- E060 - Fewer Clicks, Higher Stakes: How AI is Changing Search in Lending, With Stephanie Briggs of Experian · 50 mnt · Episode 96Organic search traffic to top affiliate finance sites is down 65% since August 2024. Banks and card issuers are only down 3%. Stephanie Briggs says that second number is the…
- News Pod #35 - 5 Things Marketers Should Draw From Capital One’s Q3 Earnings Report · 9 mnt · Episode 95Carlos expands on coverage from this week's Newsletter:https://www.thefreetoaster.com/p/5-things-marketers-should-draw-from-5c8 ***** Are you an affiliate marketing leader at a…
- News Pod#34 - Inside The LightStream Sale: The Math Behind Carlyle’s $7.2B deal with Gaurav Agarwal, former Chief Credit Officer at Happy Money · 19 mnt · Episode 94Truist is selling LightStream’s personal loan book to Carlyle and has stopped taking new applications. Nick and Carlos bring in Gaurav Agarwal, former Chief Credit Officer at…
- News Pod #33 - Experian Launches a Cash Flow Bureau, Plus Other News From This Week · 19 mnt · Episode 93Carlos & Nick discuss Experian's launch of a cash flow bureau. Expanding on coverage from this week's Newsletter (Oct 14…
- E059 - Allstate's TCPA Win, the AI Ad Problem, and LinkedIn Riffing - With John Henson From Henson Legal · 35 mnt · Episode 92John Henson of Henson Legal is back for his 2nd time on The Free Toaster Podcast. We start with a recent 7th Circuit TCPA case. 2 Allstate agents hired a live-transfer vendor…
- E058 - Cash Flow Data at The Marketing Stage - How Engine by Gen & Prism Data Are Helping Marketers Unlock Cash Flow Underwriting · 33 mnt · Episode 91Today we sit with James Brandon, Head Of Product at Prism Data and David Friermor, Director Of Product Management at Engine by Gen. Together, they share their newly announced…
- Updates on the Summit in SF on Sept 23rd: Speakers, Topics, Other Logistics · 6 mnt · Episode 90You can learn more about the event and request an invitation here:The Affiliate Marketing Summit for Lenders & Publishers September 23rd San Francisco, CAevents.thefreetoaster.com
- E057 - Inside the Happen Bank Rebrand With Mark Elliot, Chief Customer Officer at Happen Bank · 41 mnt · Episode 89On June 22, LendingClub became Happen Bank. Mark Elliot, Chief Customer Officer, ran point on it. He joined the company 3 years ago and asked Scott Sanborn about the name in his…
- News Pod #32 - Avant & NASCAR Deal, bunq denied US Bank Charter, and Checkr acquires Truv · 12 mnt · Episode 88Carlos riffs solo on 3 stories from this week's News Edition...https://www.thefreetoaster.com/p/avant-goes-racing-stripe-goes-shopping ***** Are you an affiliate marketing…
- E056 - Nicky Senyard On How LLMs Have (Or Haven't) Changed Affiliate Marketing For Lenders · 50 mnt · Episode 87Nicky Senyard, CEO and Founder of Fintel Connect, has been doing digital acquisition since 2002. Her read on this wave: affiliate marketing is still a bottom of funnel conversion…
- News Pod #31 - NerdWallet's Q2 '26 Earnings Report · 27 mnt · Episode 86Carlos & Nick add color to the most recent article on The Free Toaster Newsletter.https://www.thefreetoaster.com/p/nerdwallets-q2-26-earnings They discuss NerdWallet's pivot…
- News Pod #30 - The Future Of Distribution (In Lending) Seems Obvious · 20 mnt · Episode 85Today, Carlos comments on the future of distribution in lending, how long it will take to get there, the key blockers along the way, and what CMOs can do now to prepare.This Pod…
- News Pod #29 - 5 Things Marketers Should Draw From Capital One's Q2 Earnings Report · 20 mnt · Episode 84Capital One recently shared their Q2 earnings. Their marketing spend was $1.7B, up 23% year over year. Today, we dive into how Capital One used that budget and the implications…
- E055 - The Affiliate Marketing Summit For Lenders & Publishers (Reposted from the LendAPI Podcast with Tim Li) · 41 mnt · Episode 83Recently, Carlos sat on the LendAPI Podcast with Tim Li to discuss the Summit he's organizing on September 23rd in San Francisco. ***** The Affiliate Marketing Summit For…
- News Pod #28 - Samsung's New Galaxy Card and Its Too-Good-To-Be-True Rewards Program · 28 mnt · Episode 82Samsung & Barclays just shipped a co-brand card. The economics (3% on everything you buy through the Samsung Wallet) are rich. Even better than the Apple Card!Plus, our…
- News Pod #27 - Oportun & Column Announce New Lending Partnership (And What This Means For Oportun’s Growth) · 19 mnt · Episode 81Carlos & Nick discuss this week’s story - “Oportun and Column Announce New Lending Partnership to Expand Access to Responsible Credit.” At first glance, not that exciting. Just a…
- E054 - Paid Search 101 (For Lenders) - With Ross Cohen, Former COO (Field Productivity) at New York Life · 1 jam 4 mnt · Episode 80Search is often just 10% of a lender's marketing mix — but Ross Cohen makes the case that it's the most powerful channel for experimentation and the best "shock absorber" when…
- E053 - The Marketing ROI Gap in Banking [Reposted from recent webinar hosted by Fintel Connect] · 41 mnt · Episode 79On July 13th 2026, Carlos spoke on a panel moderated by Danielle Lauzon (Fintel Connect) with Amanda Share (Pagaya), and John Hanley (Idaho First Bank). Big ideas Carlos…
- News Pod #26 - The Fintech Bank Charter Gold Rush · 19 mnt · Episode 78Klarna just filed to become a bank. They're the ninth major fintech since December, joining Affirm, PayPal, Upstart, Revolut, Bunq, Mission Lane, and OppFi. The OCC saw 18 de…
- News Pod #25 - Happen Bank Is Running Chime's Playbook In Reverse · 15 mnt · Episode 77In this solo News Pod episode, Carlos unpacks the story underneath Lending Club’s recent rebrand to Happen Bank.The story was covered in this week’s…







