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All Episodes

The Free Toaster — 76 episodes

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Title
1

E052 - Affiliate Marketing, Poker [Reposted from the "What's Your Wheelhouse" Video Podcast]

2

News Pod #24 - How Lenders Win When AI Calls the Shots

3

E051 - Real Talk On How Long It Takes To Get Into Big Affiliate Platforms

4

News Pod #23 - Pagaya Sues Klarna for (Allegedly) Stealing Its Underwriting Model

5

News Pod #22 - JD Power Sues Chime + A Preview of Our Sept 23rd Event In SF

6

News Pod #21 - Cash Flow Underwriting Distribution - Carlos and Nick Continue The Convo...

7

News Pod #20 - What Would It Take To Scale Cash Flow Based Lending?

8

News Pod #19 - With the New Plaid Integration, ChatGPT is Now a Distribution Channel for Personal Finance

9

E050 - Jeff Keltner on AI for Business Development, NerdWallet's Drop, and the Future of Affiliate Channels

10

News Pod #18 - NerdWallet's Q1 '26 Earnings: Why Is The Stock Down 30%?

11

News Pod #17 - SoFi's Q1 2026 Earnings Report - With Special Guest Rachel Lauren, Co-Founder and COO at Debbie

12

E049 - Deep Dive With Zak Ali, General Manager of Finder's US Business

13

E048 - Q&A on Application Friction - Nick interviews Carlos

14

News Pod #16 - OnePay, Credit One x Bright Money, and Aven's BTC Play

15

News Pod #15 - OpenAI Acquires Hiro Finance

16

News Pod #14 - Wells Fargo Books 631,000 New Credit Card Accounts in Q1 2026 - How Did They Do It?

17

E047 - Eliminating Friction in the Lending Funnel, with Rachael Olson, Former Head Of Product Strategy at Discover

18

News Pod #13 - Experian No Ding Decline, American + Citi CoBrand, and Cash App P2P News

19

E046 - Affiliate Marketing For Deposit Accounts - With Alana Levine, CRO at Fintel Connect

20

News Pod #12 - Upgrade's Launch of Boost Money with John Doppke, VP of Product at Upgrade

21

E045 - Rakesh Patel, EVP of the Experian Marketplace

22

E044 - Direct Mail in Consumer Lending With Dennis Fish and John Minalga of the ICS Corporation

23

News Pod #11 - Are Credit Card Balances At A Record High Or Flat Over The Last 10 Years?

24

E043 - Carlos' Appearance on the LendAPI Podcast With Tim Li

25

E042 - Celebrity Fintech, Before Mr. Beast, Hosted By Alex Johnson (Reposted From Fintech Takes)

26

E041 - Tim Li, CEO of LendAPI: In-Store BNPL, Indirect Auto Lending & Building Through Content

27

News Pod #10 - Dave's Q4 2025 Earnings Report

28

News Pod #9 - NerdWallet's Q4 2025 Earnings Report

29

News Pod #8 - Apple Just Put BNPL Into 65 Million Apple Pay Wallets

30

E040 - Mr. Beast Buys Fintech App Step: A Bold Bet or a Disaster in the Making?

31

News Pod #7 - TU's $56MM Purchase of Monevo - How's It Going?

32

E039 - Is My Application Experience Broken?

33

News Pod #6 - Guest Pod w/ Prithvi Prabhu + Mr. Beast's Fintech Acquisition

34

News Pod #5 - Fiserv & Affirm Join Forces To Bring BNPL To Debit Cards

35

E038 - 7 Must-Have Traits for Your VP of Partnerships

36

News Pod #4 - Affirm's FDIC application and Credit Card Growth

37

News Pod #3 - Cash App's "Invisible" Consumer Lending Business

38

News Pod #2 - Jenius Bank's Exit From Affiliate Marketplaces

39

News Pod #1 - Apple & Chase Cobrand Deal

40

E037 - Spinwheel's Network Token with Tomás Campos, CEO at Spinwheel

41

E036 - Behind The Scenes - Nick Madrid, Co-Founder at The Free Toaster

42

E035 - Facing Credit: When AI Broke the Marketing Machine (Reposted from Fintech Takes)

43

E034 - Media Arbitrage vs. Brand Arbitrage

44

E033 - Compliance in Affiliate Marketing, The 6 Blind Spots - With Alana Levine, CRO at Fintel Connect

45

E032 - Organic traffic to affiliate publishers is getting smashed

46

E031 - The AI Finfluencers Are Coming

47

E030 - Launching Affiliate Marketing Programs With Alana Levine, CRO at Fintel Connect

48

E029 - Income Verification, With Kirill Klokov, CEO at Truv

49

E028 - 10 Direct Mail Pitfalls That Kill Programs (with Rich Walker)

50

E027 - The State of Compliance In Lead Gen, With John Henson, Founder at Henson Legal

51

E026 - Positive & Negative Select (Think Like A Recruiter)

52

E025 - Marketplace Madness (Success in one affiliate doesn't guarantee success in another)

53

E024 - Playing The Game In Reverse

54

E023 - Colin Gardiner, General Partner at Yonder Ventures

55

E022 - Jason Steele, Credit Card and Award Travel Expert

56

E021 - Tim Li, CEO at LendAPI

57

E020 - Guru Sethupathy, Founder & CEO at FairNow

58

E019 - Greg Cox, Group CEO at Quint Group (Monevo)

59

E018 - Rich Walker, Direct Mail Deep Dive

60

E017 - Congruence

61

E016 - Kevin Bennett, CEO at Further

62

E015 - Tomas Campos, CEO at Spinwheel

63

E014 - David Nohe - Unpacking the CFPB's Rule 1033 on Open Banking

64

E013 - Personalization - The Case For Building Hyper-Niche Products

65

E012 - Tim Hong, CPO at MoneyLion

66

E011 - Cash Flow Underwriting

67

E010 - New Market Growth

68

E009 - Measurement [Affiliate marketing]

69

E008 - Common Struggles [Affiliate marketing]

70

E007 - Operational Maturity Pt 2 [Affiliate marketing]

71

E006 - Operational Maturity [Affiliate marketing]

72

E005 - Levers [Affiliate marketing]

73

E004 - Where To Play & Host Models [Affiliate marketing]

74

E003 - Why Play [Affiliate marketing]

75

E002 - The Game [Affiliate marketing]

76

E001 - How New Balance's CMO Turned Around A 15-Year Decline