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

Page: https://stenobird.com/podcast/the-free-toaster-7173245/e048-q-a-on-application-friction-nick-interviews-carlos
Text version: https://stenobird.com/podcast/the-free-toaster-7173245/e048-q-a-on-application-friction-nick-interviews-carlos.md
Podcast: [The Free Toaster](https://stenobird.com/podcast/the-free-toaster-7173245)
Published: 2026-05-04T19:43:52+00:00
Episode link: https://thefreetoaster.podbean.com/e/e048-qa-on-application-friction-nick-interviews-carlos/
Audio file: https://mcdn.podbean.com/mf/web/s74d5phmhujjwr5i/AUDIO_Toaster_Conference_Interview_LM_V1.mp3
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JSON: https://stenobird.com/v1/public/podcasts/the-free-toaster-7173245/episodes/e048-q-a-on-application-friction-nick-interviews-carlos
Duration seconds: 749

## Resource

Nick Madrid interviews Carlos Caro live at the Fintech Summit in NYC on April 28th. On the heels of a Curated Table Event on April 27th (sponsored by Spinwheel), Nick bumped into Carlos at the Fintech Summit and did a short Q&A on how lenders eliminate friction from their application flows. ****** To support The Free Toaster Podcast, please visit our sponsors: Bulldog Media Group:Bulldog Media Group is a leading performance marketing company that specializes in online customer acquisition for clients in the financial services industry. Since 2000, they have focused on financial services digital marketing as their core niche. https://www.bulldogmediagroup.com/ 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=may Fintel Connect Drive thousands of new accounts and billions in deposits with the only partner marketing solution built for fintech and banking – your all-in-one affiliate platform, partner network, agency, and marketing compliance engine. https://partner.fintelconnect.com/get-to-know-fintel-connect?utm_campaign=13897733-2025%20Partners&utm_source=The%20Free%20Toaster&utm_medium=podcast 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…

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## Transcript

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