We explore how fintech lenders could revolutionize customer acquisition by partnering with AI-powered finfluencers, alleviating current concentration in affiliate marketplaces.

The Current Problem: 30-70% of fintech lender volume comes from affiliate marketplaces, creating concentration risk. Lenders spend $4B-$6B annually on affiliate marketing but lack control over rankings and algorithms.

The Finfluencer Opportunity: Top creators are severely under-monetizing. Vivian Tu (Your Rich BFF) made $3MM from 5MM followers—just $0.60 per audience member. Credit Karma generates $12.31 per member. At Credit Karma rates, Vivian could earn $61.5MM annually.

The AI Revolution: Digital twins will allow Finfluencers to scale 1:1 advice 24/7. These AI assistants will answer questions in the creator's voice, recommend products, and handle compliant application handoffs. The AI chatbot market is exploding from $14B (2025) to $47B (2029).

Why This Will Happen: Consumers already trust AI for 80% of customer service interactions. Lenders historically resist new channels (internet applications, mobile banking, social ads) before eventually adopting them.

A platform will emerge where Finfluencers launch always-on AI assistants with seamless affiliate integration. Early-mover lenders who master compliance will create an edge while more conservation competitors remain skeptical.

Read the article in our Newsletter:

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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

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=aug

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.

Subscribe to the Free Toaster Newsletter:

We sit down with Alana Levine, Chief Revenue Officer at Fintel Connect, to uncover what financial institutions get wrong when launching affiliate marketing programs—and more importantly, how to get it right from day one.

As someone who lives in the trenches and is often the first call when lenders want to activate the affiliate channel, Alana shares her unfiltered pre-launch checklist and the hard-won insights that can save months of frustration and wasted budget.

We discuss...

The Strategic Foundation

Operational Requirements

Common Pitfalls

Timeline and Commitment

Industry Context

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About Alana Levine

Alana is the Chief Revenue Officer at Fintel Connect, an award-winning performance marketing technology company dedicated to driving growth in the fintech, banking and insurance space.

*****

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

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=aug

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.

Subscribe to the Free Toaster Newsletter:

Timestamps:

We sit down with Kirill Klokov, CEO of Truv, to break down everything lenders need to know about income verification providers. 

Vetting Income Verification Vendors

The Consumer Experience

Beyond Basic Income Verification

AI's Impact on Lending

Truv's New Business Model

Find Kirill Klokov on LinkedIn:

https://www.linkedin.com/in/kirillklokov/

***

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

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=july

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.

Subscribe to the Free Toaster Newsletter:

Timestamps:

Rich Walker is back! After our first direct mail episode became the most popular episode on the show, we're back for round 2.

1. Attribution Nightmares

People get your mail, then go to Credit Karma to respond. Your CFO freaks out about "paying twice" but that's just how the channels work together. Rich breaks down holdout testing and why you need to stop thinking about this as double-paying.

2. When Campaigns Go Off The Rails 

Your mail program is humming along, then suddenly a campaign tanks for no reason. 80% of the time you'll figure out what happened, but 20% you just shrug and move on. Rich walks through the diagnostic checklist and why organizations sometimes kill entire programs over one bad campaign.

3. The Unit Cost Trap

Everyone obsesses over cost per piece, but Rich explains why lowering your mail costs often means you'll spend MORE money overall (and why that's actually good).

4. Complexity Overload

You start simple, then add segments, then more segments, then product variations... suddenly only one person understands how your program works. We talk about how to dig out of this hole.

5. Testing Problems

Direct mail is expensive to test, so you're always making decisions on samples that feel too small. Rich shares the "10 small tests, pick the 3 winners" approach.

6. Model Addiction

Your response models get biased because you only mail to people who passed your last model. Universe testing is the cure, but it's a hard sell to the CFO.

7. Overthinking Non-Response

99.5% of your mail gets thrown away without being read. Stop trying to psychoanalyze why people didn't respond - most of them never saw your offer.

8. Funnel Blindness

High click-through but low conversions? That's a signal, not a failure. Your audience is telling you something - listen to them.

9. No Testing Culture

Organizations that say "we're really good at testing" usually aren't. Real testing culture means constant experimentation with the right infrastructure to support it.

10. Death by Committee

Legal needs 5 days, then compliance needs 5 days, then brand wants changes... Rich explains how to get everyone aligned without killing your cycle time.

About Rich Walker:

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.

***

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

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=june

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.

Subscribe to the Free Toaster Newsletter:

Timestamps:

I sat down with John Henson, a fintech-savvy lawyer who formerly worked at LendingTree (both as an attorney and a general manager). He unpacks the regulatory chaos swirling around lead generation in 2025 — what’s changed, what’s still risky, and how fintech marketers can navigate it without getting burned.

...and much more. 

John Henson is a rare breed: a lawyer who understands marketing. He spent 6 years at LendingTree running lead gen and compliance, so he knows the real-world challenges fintechs face. Now, he helps companies stay out of trouble while growing smart. Follow him on LinkedIn for sharp insights.

***

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

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=june

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.

Subscribe to the Free Toaster Newsletter:

Timestamps:

I explain positive and adverse selection in lending using recruiting as an analogy. If you've ever hired someone, you'll instantly understand why your channels, pricing, and process determine your loan portfolio quality.

The Big Idea: Attracting great borrowers works exactly like hiring great people.

The parallels...

You can find a written version of today's content in our Newsletter:

***

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

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=june

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.

Subscribe to the Free Toaster Newsletter:

Timestamps:

I talk about a surprising case study where a lending product thrived in one affiliate marketplace but completely flopped in another. We explore the key differences between marketplaces that can dramatically impact performance and provide actionable insights for fintech marketers.

*****

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=may

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.

Subscribe to the Free Toaster Newsletter:

Timestamps:

Marketers sometimes like to enter new channels gradually, conservatively even. This works in many channels like paid search, social, and direct mail. 

But for fintechs, entering new affiliate channels like this can have catastrophic consequences. 

In today's Podcast, I share why entering into new affiliate marketplaces "cautiously" can be dangerous for new entrants. I'll walk you through how to play the game in reverse.

Note: If you want to hear more about this in future Podcasts, email me at [email protected] with your questions.

*****

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.

Subscribe to the Free Toaster Newsletter:

Timestamps:

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:

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.

*****

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.

Subscribe to the Free Toaster Newsletter:

Timestamps:

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:

Also:

And 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/

*****

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.

Subscribe to the Free Toaster Newsletter:

Want to chat with Carlos Caro, our host? Find him at [email protected]

Timestamps: