All Episodes
The Free Toaster — 90 episodes
Updates on the Summit in SF on Sept 23rd: Speakers, Topics, Other Logistics
E057 - Inside the Happen Bank Rebrand With Mark Elliot, Chief Customer Officer at Happen Bank
News Pod #32 - Avant & NASCAR Deal, bunq denied US Bank Charter, and Checkr acquires Truv
E056 - Nicky Senyard On How LLMs Have (Or Haven't) Changed Affiliate Marketing For Lenders
News Pod #31 - NerdWallet's Q2 '26 Earnings Report
News Pod #30 - The Future Of Distribution (In Lending) Seems Obvious
News Pod #29 - 5 Things Marketers Should Draw From Capital One's Q2 Earnings Report
E055 - The Affiliate Marketing Summit For Lenders & Publishers (Reposted from the LendAPI Podcast with Tim Li)
News Pod #28 - Samsung's New Galaxy Card and Its Too-Good-To-Be-True Rewards Program
News Pod #27 - Oportun & Column Announce New Lending Partnership (And What This Means For Oportun’s Growth)
E054 - Paid Search 101 (For Lenders) - With Ross Cohen, Former COO (Field Productivity) at New York Life
E053 - The Marketing ROI Gap in Banking [Reposted from recent webinar hosted by Fintel Connect]
News Pod #26 - The Fintech Bank Charter Gold Rush
News Pod #25 - Happen Bank Is Running Chime's Playbook In Reverse
E052 - Affiliate Marketing, Poker [Reposted from the "What's Your Wheelhouse" Video Podcast]
News Pod #24 - How Lenders Win When AI Calls the Shots
E051 - Real Talk On How Long It Takes To Get Into Big Affiliate Platforms
News Pod #23 - Pagaya Sues Klarna for (Allegedly) Stealing Its Underwriting Model
News Pod #22 - JD Power Sues Chime + A Preview of Our Sept 23rd Event In SF
News Pod #21 - Cash Flow Underwriting Distribution - Carlos and Nick Continue The Convo...
News Pod #20 - What Would It Take To Scale Cash Flow Based Lending?
News Pod #19 - With the New Plaid Integration, ChatGPT is Now a Distribution Channel for Personal Finance
E050 - Jeff Keltner on AI for Business Development, NerdWallet's Drop, and the Future of Affiliate Channels
News Pod #18 - NerdWallet's Q1 '26 Earnings: Why Is The Stock Down 30%?
News Pod #17 - SoFi's Q1 2026 Earnings Report - With Special Guest Rachel Lauren, Co-Founder and COO at Debbie
E049 - Deep Dive With Zak Ali, General Manager of Finder's US Business
E048 - Q&A on Application Friction - Nick interviews Carlos
News Pod #16 - OnePay, Credit One x Bright Money, and Aven's BTC Play
News Pod #15 - OpenAI Acquires Hiro Finance
News Pod #14 - Wells Fargo Books 631,000 New Credit Card Accounts in Q1 2026 - How Did They Do It?
E047 - Eliminating Friction in the Lending Funnel, with Rachael Olson, Former Head Of Product Strategy at Discover
News Pod #13 - Experian No Ding Decline, American + Citi CoBrand, and Cash App P2P News
E046 - Affiliate Marketing For Deposit Accounts - With Alana Levine, CRO at Fintel Connect
News Pod #12 - Upgrade's Launch of Boost Money with John Doppke, VP of Product at Upgrade
E045 - Rakesh Patel, EVP of the Experian Marketplace
E044 - Direct Mail in Consumer Lending With Dennis Fish and John Minalga of the ICS Corporation
News Pod #11 - Are Credit Card Balances At A Record High Or Flat Over The Last 10 Years?
E043 - Carlos' Appearance on the LendAPI Podcast With Tim Li
E042 - Celebrity Fintech, Before Mr. Beast, Hosted By Alex Johnson (Reposted From Fintech Takes)
E041 - Tim Li, CEO of LendAPI: In-Store BNPL, Indirect Auto Lending & Building Through Content
News Pod #10 - Dave's Q4 2025 Earnings Report
News Pod #9 - NerdWallet's Q4 2025 Earnings Report
News Pod #8 - Apple Just Put BNPL Into 65 Million Apple Pay Wallets
E040 - Mr. Beast Buys Fintech App Step: A Bold Bet or a Disaster in the Making?
News Pod #7 - TU's $56MM Purchase of Monevo - How's It Going?
E039 - Is My Application Experience Broken?
News Pod #6 - Guest Pod w/ Prithvi Prabhu + Mr. Beast's Fintech Acquisition
News Pod #5 - Fiserv & Affirm Join Forces To Bring BNPL To Debit Cards
E038 - 7 Must-Have Traits for Your VP of Partnerships
News Pod #4 - Affirm's FDIC application and Credit Card Growth
News Pod #3 - Cash App's "Invisible" Consumer Lending Business
News Pod #2 - Jenius Bank's Exit From Affiliate Marketplaces
News Pod #1 - Apple & Chase Cobrand Deal
E037 - Spinwheel's Network Token with Tomás Campos, CEO at Spinwheel
E036 - Behind The Scenes - Nick Madrid, Co-Founder at The Free Toaster
E035 - Facing Credit: When AI Broke the Marketing Machine (Reposted from Fintech Takes)
E034 - Media Arbitrage vs. Brand Arbitrage
E033 - Compliance in Affiliate Marketing, The 6 Blind Spots - With Alana Levine, CRO at Fintel Connect
E032 - Organic traffic to affiliate publishers is getting smashed
E031 - The AI Finfluencers Are Coming
E030 - Launching Affiliate Marketing Programs With Alana Levine, CRO at Fintel Connect
E029 - Income Verification, With Kirill Klokov, CEO at Truv
E028 - 10 Direct Mail Pitfalls That Kill Programs (with Rich Walker)
E027 - The State of Compliance In Lead Gen, With John Henson, Founder at Henson Legal
E026 - Positive & Negative Select (Think Like A Recruiter)
E025 - Marketplace Madness (Success in one affiliate doesn't guarantee success in another)
E024 - Playing The Game In Reverse
E023 - Colin Gardiner, General Partner at Yonder Ventures
E022 - Jason Steele, Credit Card and Award Travel Expert
E021 - Tim Li, CEO at LendAPI
E020 - Guru Sethupathy, Founder & CEO at FairNow
E019 - Greg Cox, Group CEO at Quint Group (Monevo)
E018 - Rich Walker, Direct Mail Deep Dive
E017 - Congruence
E016 - Kevin Bennett, CEO at Further
E015 - Tomas Campos, CEO at Spinwheel
E014 - David Nohe - Unpacking the CFPB's Rule 1033 on Open Banking
E013 - Personalization - The Case For Building Hyper-Niche Products
E012 - Tim Hong, CPO at MoneyLion
E011 - Cash Flow Underwriting
E010 - New Market Growth
E009 - Measurement [Affiliate marketing]
E008 - Common Struggles [Affiliate marketing]
E007 - Operational Maturity Pt 2 [Affiliate marketing]
E006 - Operational Maturity [Affiliate marketing]
E005 - Levers [Affiliate marketing]
E004 - Where To Play & Host Models [Affiliate marketing]
E003 - Why Play [Affiliate marketing]
E002 - The Game [Affiliate marketing]
E001 - How New Balance's CMO Turned Around A 15-Year Decline