Nick and Carlos discuss an Editorial piece recently published in The Free Toaster Newsletterhttps://www.thefreetoaster.com/p/how-lenders-win-when-ai-calls-the The premise of the conversation -- an LLM-based personal finance tool is going to be the most effective/useful way for consumers to shop for cards and lending products.Given that future, how should CMOs at lending companies be thinking about their long-term strategy?******The Affiliate Marketing Summit For LendersSan Francisco - September 23rd & 24th150-person, curated roomEarly bird tickets ($999) end August 1Learn more: events.thefreetoaster.com *****Sign Up For Our Newsletter The Free Toaster Newsletter ships every Wednesday at www.thefreetoaster.com, curating the biggest stories at the intersection of consumer lending, marketing, and technology.******Please Support Our Sponsors 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 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 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/ New Market Growth (Carlos’ agency)NMG focuses on building affiliate marketing programs for consumer lenders.www.newmarketgrowth.com