# E053 - The Marketing ROI Gap in Banking [Reposted from recent webinar hosted by Fintel Connect]

Page: https://stenobird.com/podcast/the-free-toaster-7173245/e053-the-marketing-roi-gap-in-banking-reposted-from-recent-webinar-hosted-by-fintel-connect
Text version: https://stenobird.com/podcast/the-free-toaster-7173245/e053-the-marketing-roi-gap-in-banking-reposted-from-recent-webinar-hosted-by-fintel-connect.md
Podcast: [The Free Toaster](https://stenobird.com/podcast/the-free-toaster-7173245)
Published: 2026-07-14T19:40:04+00:00
Episode link: https://thefreetoaster.podbean.com/e/e053-the-marketing-roi-gap-in-banking-reposted-from-recent-webinar-hosted-by-fintel-connect/
Audio file: https://mcdn.podbean.com/mf/web/v5kmkkj4mdza4gwr/Marketing-ROI-Gap-in-Banking-Breakdown-Webinar.mp3
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JSON: https://stenobird.com/v1/public/podcasts/the-free-toaster-7173245/episodes/e053-the-marketing-roi-gap-in-banking-reposted-from-recent-webinar-hosted-by-fintel-connect
Duration seconds: 2480

## Resource

On July 13th 2026, Carlos spoke on a panel moderated by Danielle Lauzon (Fintel Connect) with Amanda Share (Pagaya), and John Hanley (Idaho First Bank). Big ideas Carlos discusses:1. The dangers of blindly optimizing for CPA in affiliate channels based on executive mandate2. Why marketing at a lending company is one of the hardest jobs out there3. A time he saw a huge spike in lead volume that was toxic for the business4. Why direct mail is systematically undervalued5. The (brand marketing) lesson that took him over 2 decades to learn ***** Fintel Connect's Danielle Lauzon hosts a panel unpacking findings from a Cornerstone Advisors survey of 126 senior bank and credit union marketing execs — most of whom struggle to connect marketing spend to measurable outcomes, yet keep funding the channels that merely look best in reporting. Joining the conversation: Danielle Lauzon (Fintel Connect) — moderator; works on growth and strategy for the affiliate marketing platform built for financial services. Amanda Share — VP of Affiliates at Pagaya, which expands access to credit by pairing AI underwriting with performance marketing. John Hanley — EVP & CMO of Idaho First Bank and its digital brand Peak Bank, with 20 years in financial services marketing. Carlos Caro — founder of New Market Growth and publisher of The Free Toaster Newsletter, former Credit Karma executive and Capital One analyst. Topics covered: why CPA and cost-per-lead mislead budget decisions, the shared-leads horror story that turned a channel toxic, why lending dashboards need credit dimensions, direct mail's chronic undervaluation, and the case for fintechs investing in brand marketing. ****** Come meet Carlos & Nick in San Francisco! The Affiliate Marketing Summit For Lenders & Publishers Sponsore…

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