Afleveringen
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We chat with Colin about how AI is changing marketplaces.
His thesis: “The rise of agentic AI will transform marketplaces from passive aggregators to active facilitators of transactions.”
To learn more, check out Colin’s take on how AI will revolutionize marketplaces:https://www.gardinercolin.com/p/ai-and-marketplaces-agent-led
About Colin Gardiner
Former economics/statistical researcher that now loves building sticky consumer facing products via iterative data-driven methods. Built products for both large corporations and seed level startups, always with a primary focus on acquisition, conversion and monetization.
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A word from our sponsor, Spinwheel:
Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo!
https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=apr
A word from our sponsor, New Market Growth:
New Market Growth helps fintech consumer lenders generate explosive growth on affiliate marketing channels like Credit Karma, Experian Marketplace, LendingTree, and others.Affiliate marketing involves marketing & credit risk expertise, and NMG's founders bring this with 21+ years of lending experience and 8+ years experience as executive affiliate operators.If you'd like help planning or implementing your affiliate marketing strategy, email us at [email protected]
Subscribe to the Free Toaster Newsletter:www.thefreetoaster.com/
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We sit with credit card expert Jason Steele about what's happening behind the scenes in the industry. Jason shares how he went from tech work to becoming a respected credit card authority who writes for major publications and runs CardCon, the credit card industry conference.
We discuss:
The "Coupon Book Problem" - Premium cards are becoming more complex with endless small benefits ($6 at Dunkin', $10 off wireless) that frustrate consumers. Jason explains why this creates space for simpler card offerings that deliver clear value.What Drives Card Choices - Discover why exclusivity and status perks (like early access to products or "skip-the-line" privileges) might be more powerful than cash back for attracting high-value customers.Will shopping for cards change in an AI future? - The conversation explores whether consumers are moving away from traditional comparison sites toward trusted influencers and whether AI could personalize recommendations based on spending patterns.Also:
Why metal cards might affect spending behaviorHow credit unions approach card benefits differentlyThe power of word-of-mouth in card marketingWhat makes people share positive card experiencesAnd remember:
Jason conference — CardCon — happens May 6-8 in Deerfield Beach, Florida. Use code "TOASTER" for $50 off registration at cardconexpo.com.
Where to find Jason:
LinkedIn
https://www.linkedin.com/in/jason-steele/
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A word from our sponsor, Spinwheel:
Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo!
https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=apr
A word from our sponsor, New Market Growth:
New Market Growth helps fintech consumer lenders generate explosive growth on affiliate marketing channels like Credit Karma, Experian Marketplace, LendingTree, and others.Affiliate marketing involves marketing & credit risk expertise, and NMG's founders bring this with 21+ years of lending experience and 8+ years experience as executive affiliate operators.If you'd like help planning or implementing your affiliate marketing strategy, email us at [email protected]
Subscribe to the Free Toaster Newsletter:www.thefreetoaster.com/
Want to chat with Carlos Caro, our host? Find him at [email protected]
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Zijn er afleveringen die ontbreken?
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LendAPI lets you create application flows, credit decision engines, and complete lending products through simple drag-and-drop tools—all without hiring engineers or spending millions.
You can build and launch lending products quickly and efficiently, then use a working product to raise venture capital. Even non-financial businesses like boat dealerships are using it to replace clunky Excel-based applications.
Tim in unsually transparent as an early stage founder. He shared:
$3.5 million in seed funding raised just four months agoHow many applications they process dailyHow many lenders use the platformThe company’s ARR and target before raising more capitalLendAPI connects with all three credit bureaus, loan servicing systems, and identity verification providers that you work with daily. Tim's vision is to become the "WordPress of lending"—making it easy for your clients to launch financial products without technical expertise.
Where to find Tim:
LinkedIn
https://www.linkedin.com/in/timothytli/
Substack (Tim’s build-in-public blog)
https://substack.com/@lendapi
LendAPIhttps://www.lendapi.com/
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A word from our sponsor, Spinwheel:
Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo!
https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=mar
A word from our sponsor, New Market Growth:
New Market Growth helps fintech consumer lenders generate explosive growth on affiliate marketing channels like Credit Karma, Experian Marketplace, LendingTree, and others.Affiliate marketing involves marketing & credit risk expertise, and NMG's founders bring this with 21+ years of lending experience and 8+ years experience as executive affiliate operators.If you'd like help planning or implementing your affiliate marketing strategy, email us at [email protected]
Subscribe to the Free Toaster Newsletter:www.thefreetoaster.com/
Want to chat with Carlos Caro, our host? Find him at [email protected]
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In this episode, I catch up with my old Columbia PhD classmate Guru Sethupathy, founder of FairNow, an AI governance platform for financial services.
About AI Governance:
Involves three key components:Monitoring AI performance, explainability, and biasEnsuring compliance with financial regulationsEstablishing clear AI policies and proceduresWhy It Matters for FinTechs:
Often viewed as a cost center but becomes a strategic advantageBecomes critically important during partner due diligence"Light touch" governance is better than scrambling reactivelyRisk of bias or compliance issues can be existential for startupsExplainability Benefits:
Meets regulatory requirementsImproves customer experienceEnhances operational understandingHelps identify performance optimization opportunitiesResources:
Learn more at fairnow.aiContact: [email protected]A word from our sponsor, Spinwheel:
Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo!
https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=mar
Subscribe to the Free Toaster Newsletter:www.thefreetoaster.com/
Want to chat with Carlos Caro, our host? Email him at [email protected]
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In this episode, we speak with Greg Cox, CEO of Monevo, to discuss their recent acquisition by TransUnion and how they're transforming credit offer distribution.
Greg explains how Monevo serves as a technology layer connecting lenders and publishers, allowing lenders to distribute highly qualified credit offers to third-party websites and aggregators. The platform helps lenders target the right customers across multiple digital channels while improving conversion rates.Highlights:
How Monevo's technology handles model hosting and decisioning, with flexibility for lenders to host models with Monevo, TransUnion, or their own platformsTheir extensive publisher network, including major players like Lending Tree, NerdWallet, Credit Karma, and Clear ScoreThe company's bootstrapped journey from a £25,000 investment to a TransUnion acquisitionHow their solution dramatically reduces soft inquiry costs for lendersDifferent types of offers presented to consumers (pre-approved, pre-qualified, qualified)Future plans following the TransUnion acquisition, including expansion into new verticals beyond personal loans and credit cardsGreg shares insights on how Monevo makes both lender and publisher relationships more efficient by improving approval rates, boosting monetization for publishers, and delivering better-qualified users to lenders - all while maintaining flexibility in commercial agreements that align with good outcomes for all parties.
A word from our sponsor, Spinwheel:
Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo!
https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=mar
Subscribe to the Free Toaster Newsletter:www.thefreetoaster.com/
Want to chat with Carlos Caro, our host? Email him at [email protected]
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Rich Walker is a 35-year industry vet who’s been responsible for over 10 billion pieces of Direct Mail.
Rich has led direct marketing teams at Capital One, the Winterberry Group, Deluxe Corporation, 2nd Order Solutions, and more recently, Aven.
He also ran his own consulting shop - Pilot Performance Marketing - focused on helping lenders solve Direct Mail.
So we jumped at the opportunity to get his take on how lenders can leverage Direct Mail to grow their customer acquisition programs.
We Discuss:
1️⃣ Why Direct Mail still matters-$3B in spend per year-The power of pre-screened marketing2️⃣ Who should explore Direct Mail-High response, low LTV-Low response, high LTV-Breakdowns by product category3️⃣ Direct Mail vs. other channels-How does it compare to affiliate marketing?-Attribution and overlaps4️⃣ Unit economics-Cost per piece at scale (and subscale)-How costs breakdown by postage, data, creative/printing -Typical CACs & response rates5️⃣ The mechanics of a campaign-Checklist of how to go to market-Typical GTM timelines-How to go from 0 to in market in 8 weeks6️⃣ Building or renting a Direct Mail function-Case for keeping in-house-Case for out-sourcing7️⃣ Optimizing the 3 big levers-List (targeting and modeling)-Offer-Creative8️⃣ Ways to solve attribution-Invitation codes, QR codes, vanity URLs-GEO holdout tests9️⃣ The future of Direct Mail
A word from our sponsor, Spinwheel:
Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo!
https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=feb
Subscribe to the Free Toaster Newsletter:www.thefreetoaster.com
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What is Congruence? Aligning messaging from your ad, to your landing page, to your final conversion steps creates lift in your marketing funnel, reducing your CACs and increasing your customer acquisition volumes. It sounds elementary. Yet many organizations forget to do it.
Today we dig into examples of marketing from Wells Fargo and Discover to illustrate what it means to be Congruent across your marketing funnel.
The visuals from our Newsletter will help:https://www.thefreetoaster.com/p/congruence
A word from our sponsor, Spinwheel:
Streamline your lending application pages with 2-fields.
To see a demo, click below to chat with their Head of Growth.
https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=feb
Subscribe to the Free Toaster Newsletter:
www.thefreetoaster.com
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We chat with Kevin Bennett, a successful entrepreneur who helped grow Caribou to a billion-dollar company. Now, he's back with Further, a platform focused on helping people afford their first homes. Kevin shares important lessons for early-stage founders and gives practical advice for growing a business.
We Discuss:
Product vs. Distribution: Kevin explains why both product development and getting your product to customers are equally important.
Experimenting with Marketing: Kevin talks about the need to test different marketing channels and how to do it quickly.
Evaluating Marketing Channels: Kevin shares a simple framework to decide if a marketing channel is worth investing in:
Does it resonate with your audience?
Can it scale as you grow?
Are the economics (costs and returns) good?
How stable is the channel or partnership?
Speed and Cycle Time: Kevin emphasizes the need to test ideas fast and make decisions quickly.
Strategic Partnerships: Kevin talks about the value of finding strong partners who can help your business grow.
A word from our sponsor, Spinwheel:
Streamline your lending application pages with 2-fields.
If you’re anything like us, friction on application pages makes you nauseous.
It makes your CACs go up. It makes your volumes drop. It causes your CFO and CEO to say mean things.
The trouble is, application friction isn’t easy to fix. Your prod/eng is busy. We get it.
Spinwheel’s APIs streamline a lending application form with just a phone number and a birthdate - like magic (but it’s really just smart tech)! Then you get a 20-30% lift in your application rate.
Additionally, they can give you real-time, verified consumer credit data and seamless payment processing, which can help you serve customers beyond the initial application.
To see a demo, click below to connect with their Head of Growth and see this thing in action.
https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=jan
Subscribe to the Free Toaster Newsletter:www.thefreetoaster.com
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We sit with Tomas Campos, CEO at Spinwheel. Spinwheel’s product caught my attention because affiliate marketers could use their product to reduce the friction in their application processes.
Timestamps:
(00:00) Meet Tomas Campos, CEO of Spinwheel (02:30) Ideal customers and use cases(06:30) Success metrics(12:35) Challenges building the business(15:37) Partnering with lenders(22:41) Uplift from pre-filling application forms(28:12) What holds lenders back from buying(34:10) The NerdWallet integration(36:05) Other challenges lenders have(46:52) Bank account verification(47:10) Wrap upWhere to find Carlos:
LinkedInTwitter/XWhere to find Tomas:
LinkedInFind Us:
Don't forget to subscribe and review our show. If you’re interested in being a guest, email me at [email protected].
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We sit with David Nohe, CEO of FinGoal, to discuss the CFPB’s Rule 1033 on Open Banking and the implications it has for bank marketers.
Timestamps:
(00:00) David Nohe, CEO of Fingoal
(01:59) The 101 on CFPB Rule 1033
(09:32) Consumer consent
(18:04) Future of subscription models
(22:52) Funnel dynamics / friction
(24:09) Credit bureau vs. open banking data
(26:43) Why be concerned or optimistic
(32:10) Banks' strategic opportunities
(41:37) Wrap up and dinner bet
Where to find Carlos:
LinkedInTwitter/XWhere to find David Nohe:
LinkedIn Twitter/X - @fingoaldavidReferences:
Ten Take-Aways on 1033 for Community Bankershttps://www.linkedin.com/pulse/ten-take-aways-1033-community-bankers-david-nohe-yo8cc/?trackingId=WR0OUVGdRGahil7tCSZ48w%3D%3D
Find Us:
Don't forget to subscribe to Affiliate Marketing for Lenders. If you’re interested in being a guest on the show (or if you have questions for a future episode), send me a note on LinkedIn, Twitter/X, or at [email protected].
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Personal finance platforms (like Credit Karma) are now at scale, with the ability to recommend products at the 1:1 user level. Further, they’re incentivized to recommend niche products that are highly customized to each user. Lending products, however, are designed for mass audiences. This disconnect presents a huge opportunity for lenders.
Timestamps:
(00:00) Why personalization matters(04:06) Hyper-niche lending products(05:37) Social media and niche content(08:43) Opportunities in financial services(12:57) Where I see this all going(15:01) Wrap up
Where to find Carlos:
LinkedInTwitter/XReferences:
The case for building hyper-niche lending productshttps://www.thefreetoaster.com/p/hyper-niche-lending-products
Find Us:
Don't forget to subscribe to Affiliate Marketing for Lenders. If you’re interested in being a guest on the show (or if you have questions for a future episode), send me a note on LinkedIn, Twitter/X, or at [email protected].
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Today we chat with Tim Hong, the Chief Product Officer at MoneyLion. He walks us through a partnership they’ve built with Plaid and other data providers to offer cash flow data at the marketing stage to lenders in the Engine marketplace.
Timestamps:
(00:00) Tim Hong, CPO at MoneyLion(04:06) The Engine marketplace(12:02) Open banking and UX(22:48) User permissioned data(25:15) Sharing bank credentials(27:25) Cashflow data in lending(31:09) Spark platform(37:20) Future of open banking(44:17) Wrap upWhere to find Carlos:
LinkedInTwitter/XReferences:
Plaid & MoneyLion’s announcement: “The power of cash flow underwriting with instant onboarding: Introducing Layer and Consumer Report”
https://plaid.com/blog/layer-consumer-report-instant-onboarding/
Carlos’ piece: “Where's The Consumer Demand For Cash Flow Underwriting (CFU)?”https://www.thefreetoaster.com/p/where-is-the-demand-for-cash-flow-underwriting
Find Us:
Don't forget to subscribe to Affiliate Marketing for Lenders. If you’re interested in being a guest on the show (or if you have questions for a future episode), send me a note on LinkedIn, Twitter/X, or at [email protected].
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I’m starting to worry that we don’t have an economically viable way to distribute cash flow underwriting (CFU) products to consumers. In today’s episode, we discuss the opportunity and challenges CFU lenders will have in distributing their products through direct mail, paid search, and of course affiliates.
Timestamps:
(00:00) Introduction to Fintech and Cashflow Underwriting
(01:21) The Article and Its Insights
(02:38) AI-Generated Overview of The Petal Case Study
(09:21) End of AI-Generated Overview
(09:26) Analyzing Cashflow Underwriting
(11:36) Challenges in Cashflow Underwriting
(15:54) Marketing Cashflow Products
(20:03) Potential Solutions and Future Outlook
(25:26) Final Thoughts and Next Steps
Where to find Carlos:
LinkedInTwitter/XReferences:
Carlos’ piece: “Where's The Consumer Demand For Cash Flow Underwriting (CFU)?”https://www.thefreetoaster.com/p/where-is-the-demand-for-cash-flow-underwriting
Alex Johnson’s piece on Cash Flow Underwriting:https://fintechtakes.com/articles/2024-05-22/cash-flow-underwriting/
Find Us:
Don't forget to subscribe to Affiliate Marketing for Lenders. If you’re interested in being a guest on the show (or if you have questions for a future episode), send me a note on LinkedIn, Twitter/X, or at [email protected].
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Today, we discuss the backstory behind my marketing agency, New Market Growth. I’ll share my background working in affiliate marketing at a connected home startup, my experience working on credit cards at Capital One, my 4 years at Credit Karma, and how my experiences came together to form a services business for lenders.
Timestamps:
(00:00) What is New Market Growth(01:30) Early years in affiliate marketing(03:53) Credit Karma(06:50) My first business: legal services marketplace(09:10) Return to fintech + personal brands(12:19) Founding New Market Growth(14:27) Current focus + looking out to the future(15:55) Wrap up
Where to find Carlos:
LinkedInTwitter/XFind Us:
Don't forget to subscribe to Affiliate Marketing for Lenders. If you’re interested in being a guest on the show (or if you have questions for a future episode), send me a note on LinkedIn, Twitter/X, or at [email protected].
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Today, we discuss high-level principles for your affiliate measurement (analytics) strategy. We’ll cover the 2 big questions your dashboards should be answering, we dig into 9 metrics you might not be watching, and we hit on the importance of connecting marketing stage and performance stage data.
Timestamps:
(00:00) True North(01:34) Driving questions(01:53) Delivering for your partners(04:26) Partners delivering for you(06:35) Combining data sources(09:34) Effective dashboards(16:49) 9 key metrics to watch(22:26) Wrap upWhere to find Carlos:
LinkedInTwitter/XFind Us:
Don't forget to subscribe to Affiliate Marketing for Lenders. If you’re interested in being a guest on the show (or if you have questions for a future episode), send me a note on LinkedIn, Twitter/X, or at [email protected].
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Today, we discuss the most common reasons that lenders don’t hit their volume, account quality, and growth goals in the affiliate channel. Based on Carlos’ experience talking to lenders in his affiliate marketing agency, New Market Growth.
Common struggles:
Cross-functional dysfunction Model misalignment (Non)compliance Application friction Mispricing Access to big affiliates Concentration Cold starts Lack of differentiation CPA game Thinking it’s easyTimestamps:
(00:00) Common Struggles in Affiliate Marketing(03:00) Reason 1: Lack of Cross-Functional Effort(04:54) Reason 2: Misaligned Targeting Model(06:36) Reason 3: Approval Rate Issues(07:59) Reason 4: Application Friction(09:01) Reason 5: Uncompetitive Pricing(10:39) Reason 6: Missing Major MarketplacesWhere to find Carlos:
LinkedInTwitter/XFind Us:
Don't forget to subscribe to Affiliate Marketing for Lenders. If you’re interested in being a guest on the show (or if you have questions for a future episode), send me a note on LinkedIn, Twitter/X, or at [email protected].
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Today, we continue to discuss the 4 levels of Operational Maturity in affiliate marketing for lenders. We’ll go deep on 301 and 401 levels and wrap up with some tactical things you can do to land at the 401 level.
Summary of the 4 levels:
𝟭𝟬𝟭 - 𝗧𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻𝗮𝗹
We're focused on the volume of leads and the cost of acquisition. The rest of the operation looks a lot like affiliate programs in other industries. There's not much attention placed on the quality of accounts that we acquire.
𝟮𝟬𝟭 - 𝗤𝘂𝗮𝗹𝗶𝘁𝘆 𝗔𝘄𝗮𝗿𝗲
We learn that not all leads are created equal and not all lead sources are created equal. We pay more attention to what happens to a customer post-booking.
How much revenue are they driving?
What are the delinquency rates?
What are the loss rates?
We start to think about the relationship between LTV and cost of acquisition.
𝟯𝟬𝟭 - 𝗙𝗲𝗲𝗱𝗯𝗮𝗰𝗸 𝗹𝗼𝗼𝗽 𝗮𝘄𝗮𝗿𝗲
We learn that when we make a change to our business, the affiliate reacts in a certain way, and that in turn has a knock-on effect on our business. We also start to overanalyze why volumes dropped and why applicant quality is changing. We often get distracted by a lot of these questions as there are often no actions we can take as a result of our curiosity.
𝟰𝟬𝟭 - 𝗣𝗮𝗿𝘁𝗻𝗲𝗿 𝗙𝗶𝗿𝘀𝘁
We learn that our success relies on delivering exceptional products and exceptional buying experiences for our affiliates' customers. Under this frame, we recognize that each affiliate's a little different. They all have different buying experiences, data assets, customer types, and integration capabilities. We try to reverse engineer our business to best fit each partner. We notice that we were overanalyzing the volatility in our programs, and conclude that our investigations were often unproductive.
Timestamps:
(00:00) 301 Intro
(04:20) 301 Strategy
(15:55) 301 Challenges and realities
(18:43) Recap of 101-301
(21:48) 401 Deep dive - becoming leaders
(30:48) Model alignment
(41:48) Wrap up
Where to find Carlos:
LinkedInTwitter/XReferences:
A written summary of the 4 levels of Operational Maturity:https://www.linkedin.com/posts/the-carlos-caro_operational-maturity-affiliates-activity-7204481122464907264-f_hC
Find Us:
Don't forget to subscribe to Affiliate Marketing for Lenders. If you’re interested in being a guest on the show (or if you have questions for a future episode), send me a note on LinkedIn, Twitter/X, or at [email protected].
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Today, we introduce the 4 levels of Operational Maturity in affiliate marketing for lenders. We’ll go deep on 101 and 201 levels. The 301 and 401 levels will be covered in our next episode.
Summary of the 4 levels:
𝟭𝟬𝟭 - 𝗧𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻𝗮𝗹
We're focused on the volume of leads and the cost of acquisition. The rest of the operation looks a lot like affiliate programs in other industries. There's not much attention placed on the quality of accounts that we acquire.
𝟮𝟬𝟭 - 𝗤𝘂𝗮𝗹𝗶𝘁𝘆 𝗔𝘄𝗮𝗿𝗲
We learn that not all leads are created equal and not all lead sources are created equal. We pay more attention to what happens to a customer post-booking.
How much revenue are they driving?
What are the delinquency rates?
What are the loss rates?
We start to think about the relationship between LTV and cost of acquisition.
𝟯𝟬𝟭 - 𝗙𝗲𝗲𝗱𝗯𝗮𝗰𝗸 𝗹𝗼𝗼𝗽 𝗮𝘄𝗮𝗿𝗲
We learn that when we make a change to our business, the affiliate reacts in a certain way, and that in turn has a knock-on effect on our business. We also start to overanalyze why volumes dropped and why applicant quality is changing. We often get distracted by a lot of these questions as there are often no actions we can take as a result of our curiosity.
𝟰𝟬𝟭 - 𝗣𝗮𝗿𝘁𝗻𝗲𝗿 𝗙𝗶𝗿𝘀𝘁
We learn that our success relies on delivering exceptional products and exceptional buying experiences for our affiliates' customers. Under this frame, we recognize that each affiliate's a little different. They all have different buying experiences, data assets, customer types, and integration capabilities. We try to reverse engineer our business to best fit each partner. We notice that we were overanalyzing the volatility in our programs, and conclude that our investigations were often unproductive.
Timestamps:
(00:00) Why maturity matters
(04:36) The 4 levels
(10:18) 101 deep dive
(17:56) 201 deep dive
(26:15) Wrap up and next steps
Where to find Carlos:
LinkedInTwitter/XReferences:
A written summary of the 4 levels of Operational Maturity:https://www.linkedin.com/posts/the-carlos-caro_operational-maturity-affiliates-activity-7204481122464907264-f_hC
Find Us:
Don't forget to subscribe to Affiliate Marketing for Lenders. If you’re interested in being a guest on the show (or if you have questions for a future episode), send me a note on LinkedIn, Twitter/X, or at [email protected].
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Episode 005: Today, we discuss the marketing levers lenders have at their disposal to improve the performance of their affiliate marketing campaigns.
We’ll discuss levers in the following categories:
EligibilityImpressions/placementsClick-through rateApplication rateApproval rateFunding rateCPA/PayoutsTimestamps:
(00:54) Recapping previous episodes(01:50) A big misconception(03:02) Key levers(09:30) CTR(18:37) Application rate(21:35) Approval rate(27:09) Funding rate(29:49) CPAs / payouts(31:43) Conclusion and final thoughts
Where to find Carlos:
LinkedInTwitter/XReferences:
Click-through rates by ad rank/placement on Google:https://firstpagesage.com/reports/google-click-through-rates-ctrs-by-ranking-position/
Outline of levers discussed in the show
https://medium.com/@newmarketgrowth/your-affiliate-marketing-levers-9f98092ab37b
Find Us:
Don't forget to subscribe to Affiliate Marketing for Lenders. If you’re interested in being a guest on the show (or if you have questions for a future episode), send me a note on LinkedIn, Twitter/X, or at [email protected].
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Episode 004: Today, we tackle two simple, but important questions. The first: “What affiliates should I partner with?” And the second, “Where should I host my targeting model?”
We cover:
How to build a list of potential affiliate partnersWhy “getting in” isn’t an easy as you thinkHow to build a pitch for potential partnersWhere to host your targeting modelGuiding principles for targeting model developmentTimestamps:
(00:43) Outline of today's episode
(04:25) Building a list of potential partners
(09:25) Why getting into publishers isn't easy
(14:15) Crafting your pitch 18:18 Hosting your targeting model
(18:18) Hosting Your Targeting Model
(22:20) Targeting model platforms
(36:56) Guiding principles
(41:45) Wrap up / final thoughts
Where to find Carlos:
LinkedInTwitter/XReferences:
Credit Karma Lightbox
https://www.creditkarma.com/about/commentary/credit-karma-welcomes-team-bitmatica
Monevo
https://www.monevo.com/us
Eagle Data
https://www.eagledata.biz/
https://medium.com/@carlos.ny/a-chat-with-travis-broad-ceo-at-eagle-data-a6409c6683a7
MoneyLion
https://www.insidermonkey.com/blog/moneylion-inc-nyseml-q1-2024-earnings-call-transcript-1299056/
Find Us:
Don't forget to subscribe to Affiliate Marketing for Lenders. If you’re interested in being a guest on the show (or if you have questions for a future episode), send me a note on LinkedIn, Twitter/X, or at [email protected].
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