Archive - The Free Toaster

NerdWallet's Q1 '26 Earnings: Why Is The Stock Down 18%?

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

May 7 • Carlos Caro

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

What I Learned At The First Free Toaster Curated Table Event

We met in NYC and spent 3+ hours talking about direct mail

Apr 22 • Carlos Caro

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

Watch now (11 mins) | Carlos and Nick try to make sense of Wells Fargo's 60% YOY increase in new credit card customer bookings.

Apr 17 • Carlos Caro

11:19

Wells Fargo Books 631,000 New Credit Card Accounts

Plus, JPMorgan Chase and Citi report earnings, JetBlue’s new travel perks, and Atlas’s $420 million pivot to the ultrawealthy.

Apr 15

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

Watch now (69 mins) | Rachael Olson spent years running product strategy on Discover's $6 billion personal loan business, and she joins the show to walk…

Apr 15 • Carlos Caro

1:08:43

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

Watch now (19 mins) | Carlos and Nick welcome Amanda Braslow to the show as the newest partner in the business and GM of events.

Apr 11 • Carlos Caro

18:57

#nojs-banner { position: fixed; bottom: 0; left: 0; padding: 16px 16px 16px 32px; width: 100%; box-sizing: border-box; background: red; color: white; font-family: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol"; font-size: 13px; line-height: 13px; } #nojs-banner a { color: inherit; text-decoration: underline; } This site requires JavaScript to run correctly. Please turn on JavaScript or unblock scripts