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The Future Of Distribution (In Lending) Seems Obvious
But, How Long Will We Have To Wait?
Aug 6
•
Carlos Caro
11
July 2026
5 Things Marketers Should Draw From Capital One's Q2 Earnings Report
And, the Discover brand starts spending again this year.
Jul 30
•
Toaster Media
7
2
Samsung's New Galaxy Card and Its Too-Good-To-Be-True Rewards Program
and why we think Anthropic and OpenAI will launch a card at some point
Jul 23
•
Toaster Media
3
E054 - Paid Search 101 (For Lenders) - With Ross Cohen, Former COO (Field Productivity) at New York Life
Search 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…
Jul 22
•
Carlos Caro
1:04:42
Oportun's Bank Partner Held No Loans. And That Just Changed.
A case study in why your bank partnership, not your media, could be your real growth constraint.
Jul 16
•
Toaster Media
3
Klarna Just Filed for a Bank Charter. So Did Affirm, PayPal, Upstart, and Six Others.
The year fintechs stopped renting charters.
Jul 9
•
Toaster Media
2
Happen Bank Is Running Chime's Playbook in Reverse. Here's the Bet
Lend first, earn the deposit relationship later. How the bank formerly known as LendingClub is running Chime's playbook backwards.
Jul 2
•
Toaster Media
2
June 2026
What happens when consumers delegate financial decisions to agents?
Plus: How SoFi is betting it can own the AI relationship before ChatGPT does
Jun 25
2
How Lenders Win When AI Calls the Shots
The game isn't psychological anymore.
Jun 25
•
Carlos Caro
News Pod #23 - Pagaya Sues Klarna for (Allegedly) Stealing Its Underwriting Model
Watch now (14 mins) | Pagaya filed a lawsuit against Klarna for (allegedly) stealing is underwriting.
Jun 19
•
Carlos Caro
14:06
Pagaya Sues Klarna for (Allegedly) Stealing Its Underwriting Model
Plus: Visa plugs into OpenAI, Experian moves loan shopping into ChatGPT, and the stablecoin war heats up
Jun 17
1
News Pod #22 - JD Power Sues Chime + A Preview of Our Sept 23rd Event In SF
Watch now (16 mins) | JD Power sued Chime in the Southern District of New York over its "America's #1 choice for banking" campaign, alleging breach of…
Jun 12
•
Carlos Caro
16:17
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