Archive - The Free Toaster

J.D. Power Sues Chime Over Marketing

Plus: Experian, Engine, CK, Bankrate, LendingTree, Credible, QuinStreet, Bulldog Media Group, and more are coming to our Affiliate Marketing Summit For…

Jun 11

Did ChatGPT Just Fix The Cash Flow Underwriting Distribution Problem?

Plus the Affiliate Marketing Summit for Lenders

Jun 4

Will LLMs Solve Distribution For The Cash Flow Lenders?

Updating my thoughts on an October 2024 Free Toaster Editorial

Jun 4 • Carlos Caro

May 2026

Robinhood thinks your AI agent deserves a credit card

Plus, Fanatics partners with American Express and a must-attend event (Affiliate Marketing Summit for Lenders)

May 28

With Plaid Integration, ChatGPT is now a distribution channel for personal finance.

Plus a Free Toaster Conference Exclusive for Publishers and Lenders

May 21

NerdWallet's Q1 '26 Earnings: Why Is The Stock Down 30%?

NerdWallet reduced the lower end of their full year guidance, and it spooked investors

May 14

SoFi’s Best Quarter Yet Disappoints Wall St.

Experian Launches Agent Trust and Stripe Turns Google AI Mode and Gemini into a Storefront

May 6

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

Watch now (13 mins) | Nick Madrid interviews Carlos Caro live at the Fintech Summit in NYC on April 28th.

May 4 • Carlos Caro

12:29

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

Listen now (10 mins) | Carlos flies solo this week (Nick is wheels-up from NYC to SF after FinTech Week) to break down three stories from this week's…

May 1 • Carlos Caro

10:06

April 2026

OnePay Launches (Credit) Builder Card

Plus Lending Club’s $2.67B in Originations, Aven's Bitcoin-Backed Card, Bright Money’s AI Loan Assistant, and Amex’s Agentic Commerce Push.

Apr 29

News Pod #15 - OpenAI Acquires Hiro Finance

Watch now (19 mins) | Carlos and Nick expand on the headline story from this week’s Newsletter.

Apr 24 • Carlos Caro

19:13

OpenAI Doubles Down: Hiro Finance Marks Second Fintech Buy in Six Months

LendingClub rebrands, Ally and BoA share earnings, and Mission Lane Applies for a Bank Charter

Apr 22

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