{"podcast":{"title":"The Free Toaster","slug":"the-free-toaster-7173245","podcast_index_feed_id":7173245,"rss_url":"https://feed.podbean.com/thefreetoaster/feed.xml","website_url":"https://thefreetoaster.podbean.com","image_url":"https://pbcdn1.podbean.com/imglogo/image-logo/20058005/The_Free_Toaster_Podcast_Logo_1_9g674.jpg","author":"thefreetoaster","episode_count":84,"summary":"The Free Toaster is your best resource at the intersection of marketing, lending, and fintech. We deliver news, data, and insights to help you acquire more customers.","last_synced_at":"2026-08-01T10:19:33.484383+00:00","page_url":"https://stenobird.com/podcast/the-free-toaster-7173245"},"episode":{"title":"E053 - The Marketing ROI Gap in Banking [Reposted from recent webinar hosted by Fintel Connect]","slug":"e053-the-marketing-roi-gap-in-banking-reposted-from-recent-webinar-hosted-by-fintel-connect","published_at":"2026-07-14T19:40:04+00:00","page_url":"https://stenobird.com/podcast/the-free-toaster-7173245/e053-the-marketing-roi-gap-in-banking-reposted-from-recent-webinar-hosted-by-fintel-connect","show_page_url":"https://stenobird.com/podcast/the-free-toaster-7173245","url":"https://thefreetoaster.podbean.com/e/e053-the-marketing-roi-gap-in-banking-reposted-from-recent-webinar-hosted-by-fintel-connect/","audio_url":"https://mcdn.podbean.com/mf/web/v5kmkkj4mdza4gwr/Marketing-ROI-Gap-in-Banking-Breakdown-Webinar.mp3","summary":"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…","meta_description":"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). B…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2480,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"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/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-free-toaster-7173245/e053-the-marketing-roi-gap-in-banking-reposted-from-recent-webinar-hosted-by-fintel-connect.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}