Podcasts about Upstart

We're back after an absolutely insane week of footy, both in the W and the men's game, and we're powering through the sleep deprivation to unpack it all. It's about time the ladder got a PROPER dissection, as we've got some thoughts

We're back after an absolutely insane week of footy, both in the W and the men's game, and we're powering through the sleep deprivation to unpack it all. It's about time the ladder got a PROPER dissection, as we've got some thoughts

Welcome to The Times of Israel's Daily Briefing, your 20-minute audio update on what's happening in Israel, the Middle East and the Jewish world. Political correspondent Ariela Karmel joins host Amanda Borschel-Dan for today's episode. Israel’s upcoming election officially took shape last week, as the last of 38 parties submitted their candidate slates for the October 27 vote. We learn about the last-minute drama and surprises. Yesterday, the left-wing Democrat Party petitioned the Central Elections Committee to bar National Security Minister Itamar Ben Gvir’s far-right Otzma Yehudit slate from running. The party, led by Yair Golan, accused the right-wingers of undermining democracy, denying “the existence of the State of Israel as a democratic state,” and inciting racism. Karmel explains how this is expected political theater -- used by both sides of the aisle. Karmel writes in a recent analysis that, "Reflecting a broad rightward shift among the Israeli electorate, Yashar leader Gadi Eisenkot is winning voters on the right and leading in the polls by presenting a party that in many ways resembles the Likud of yesteryear." She speaks about Likud's attempts to brand the Yashar head as a "leftist" -- and what this means in Israeli society. Check out The Times of Israel's ongoing liveblog for more updates. For further reading: Israel’s election takes shape as 38 parties submit slates, in battle between pro- and anti-Netanyahu blocs Finalizing slate, Netanyahu fills reserved Likud slots with allies, ideologues Democrats seek to bar Otzma Yehudit from election as polls show continued deadlock As parties lock in, Eisenkot plots path to power through heart of old Likud Subscribe to The Times of Israel Daily Briefing on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts. This episode was produced by Ari Schlacht.See omnystudio.com/listener for privacy information.

Paul Gu dropped out of Yale in 2010 to join the first class of Thiel Fellows, spent time at the quant fund D.E. Shaw, and then co-founded Upstart on a simple premise: the techniques Wall Street uses to price corporate risk should work at least as well on consumer credit. Fourteen years later, he took over as CEO from co-founder Dave Girouard, and six weeks after that, the OCC granted conditional approval for Upstart Bank. This conversation covers what has actually changed at the top of the company, why Upstart went for a full de novo national charter rather than buying an existing bank, and where AI is reshaping the parts of lending that nobody talks about.What We CoveredDropping out of Yale for the first Thiel Fellowship classWhat D.E. Shaw taught him about applying quant techniques to personal financeThe income share agreement idea that brought the co-founders togetherWhat changed when he took over as CEO on May 1Losing the balance of a three-founder culture, for better and worseThe core personal loan business and the future prime borrowerThe trifecta of growth, profitability and credit performanceAuto and home, and the race to contribution margin positiveWhat conditional approval from the OCC actually meansWhy a de novo charter rather than acquiring a bankWhere the existing bank and credit union partners land after Upstart Bank opensAI in loan verification and servicing, beyond the underwriting modelWhat happens when AI agents start applying for loans on people's behalfNinety-one percent automation and whether 100% is reachableThe case that fixing the cost of credit makes most Americans 10% wealthierKey TakeawaysUpstart went de novo rather than buying a bank because acquiring one means inheriting someone else's loan book, underwriting practices and operational history, and the whole pitch depends on being able to stand behind every decision inside the bank when a regulator asks.The bank changes who originates, not who funds. Upstart Bank will become the principal originator, but Gu is explicit that the company is not becoming a large, equity intensive balance sheet business, and the bank and credit union partners keep buying the assets.The next AI wins are in verification rather than underwriting. A HELOC can carry several thousand dollars of human verification cost because county property records are non-standard and non-deterministic, which is exactly the kind of work a generalized reasoning agent is suited to.Gu welcomes a world where AI agents apply for loans on borrowers' behalf, because agents have unlimited time to search and no brand loyalty to defend, which favors the lender with the best rate rather than the biggest marketing budget.About Paul GuPaul Gu is co-founder and CEO of Upstart, the AI lending platform he started in 2012 after dropping out of Yale as one of the first Thiel Fellows and spending time at the quantitative hedge fund D.E. Shaw. He spent most of his career as the technical half of the founding partnership, running product, engineering and machine learning before taking general management of the auto and home businesses. He succeeded co-founder Dave Girouard as CEO on May 1, 2026.Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

On 7investing's Livestream show on August 21, I had a conversation with Upstart Holdings' new CEO Paul Gu that included two very important questions.You see, I had two outstanding questions about Upstart's future strategy that I just wasn't hearing the media or any other investors asking him. So I did.The first was:"Will Upstart's new secured products like Home and Auto loans will be as disruptive as those for unsecured Consumer loans?"Or in other words, will your AI models also have an edge in these new markets too?And the second question was:"How does Upstart intend to use its new banking charter as a competitive advantage rather than as a distraction to its relationship with regional banking customers?"Or in other words, will your new banking charter change your business model?His answers really clarified things and made a ton of sense. This short, 15 minute conversation is a must-watch for any investor who owns -- or may soon own -- shares of Upstart Holdings.0:00 – Welcome & Introduction to Paul Gu, Upstart CEO1:03 – Upstart's Disruptive Approach to Lending2:02 – Question 1: Can Upstart's AI Models Scale to Secured Loans?6:03 – The Strategy: Compounding Growth Beyond Personal Loans7:01 – Why Upstart's Models Keep Getting Better Over Time9:38 – Auto & Home Loan Growth Stats10:03 – Question 2: The National Banking Charter Explained13:38 – What Investors Are Missing About Upstart14:59 – Closing Thoughts & Where to Learn More

Rocket Lab (NASDAQ: RKLB) just posted record second quarter 2026 results $234 million in quarterly revenue, up 62% year-over-year, and a total backlog of $2.36 billion. Simon Erickson walks through the investor slide deck covering Launch, Space Systems, and the new Space Applications division, then digs into the biggest news of the quarter: Rocket Lab's $8 billion acquisition of Iridium Communications (NASDAQ: IRDM) and its satellite spectrum. Simon also previews how these developments feed into Rocket Lab's discounted cash flow (DCF) valuation model, and what it could mean for the stock price going forward.

Simon Erickson and Heather Horton break down Upstart Holdings (NASDAQ:UPST) Q2 2026 earnings, released the day before this live stream. New CEO Paul Gu, one of the company's original co-founders, posted his own recap directly on X just 100 days into the role, a move Simon highlights as a sign the company is finally learning to speak Wall Street's language rather than getting lost in the weeds of its AI credit models. Upstart uses proprietary AI models, drawing on more than 1,000 data points instead of a traditional FICO score, to originate consumer loans in a lending market Simon describes as worth more than a trillion dollars.The episode covers total loan originations of $4.2 billion, up 50% year over year across 558,000 loans, along with a breakdown of unsecured personal loan growth versus a rapidly scaling auto and home loan business. Simon and Heather also walk through Upstart's contribution profit, total net revenue, and its return to GAAP net income for the quarter, along with the company's newly reaffirmed three-year growth targets through 2028. They close with a discussion of Upstart's pending federal banking charter and what that could mean for how the company funds future loans.

The corporate venture capital arm of Rakuten Group, Rakuten Capital invests in innovative startups across fintech, AI, and other high-growth sectors. Since its founding in 2014, Rakuten Capital has invested in companies like Lyft, Pinterest, Careem, and Upstart, establishing itself as a distinctive force in corporate venture investing. In this episode of Connected With Latham, Haim Zaltzman, Global Vice Chair of Latham's Emerging Companies & Growth Practice, sits down with Saemin Ahn, Managing Partner of Rakuten Capital and Executive Officer of Rakuten Group, to discuss Rakuten Capital's investment thesis, its approach to AI infrastructure and energy, and the art of diplomatic capitalism.   This podcast is provided as a service of Latham & Watkins LLP. Listening to this podcast does not create an attorney client relationship between you and Latham & Watkins LLP, and you should not send confidential information to Latham & Watkins LLP. While we make every effort to assure that the content of this podcast is accurate, comprehensive, and current, we do not warrant or guarantee any of those things and you may not rely on this podcast as a substitute for legal research and/or consulting a qualified attorney. Listening to this podcast is not a substitute for engaging a lawyer to advise on your individual needs. Should you require legal advice on the issues covered in this podcast, please consult a qualified attorney. Under New York's Code of Professional Responsibility, portions of this communication contain attorney advertising. Prior results do not guarantee a similar outcome. Results depend upon a variety of factors unique to each representation. Please direct all inquiries regarding the conduct of Latham and Watkins attorneys under New York's Disciplinary Rules to Latham & Watkins LLP, 1271 Avenue of the Americas, New York, NY 10020, Phone: 1.212.906.1200

In this episode of the Industry Spotlight, joining host Sam D'Arc are Ben Atkinson, VP of Auto Lending at Upstart, and Evan Driscoll, General Sales Manager at Audi Jacksonville to discuss why the credit score has become the most overrated number in auto lending and how a full-spectrum dealership running everything from $2,000 used cars to $400,000 Rolls-Royces gets first-time buyers approved at competitive rates with no money down. Evan breaks down how a slow approval costs his store at least $1,000 per car per day in aging inventory, and how a 10-second automated decision changed the math. They also get into why 24/7 automated approvals matter most during the weeks traditional lenders go dark. This episode of the Car Dealership Guy Podcast is brought to you by Upstart. Topics: 04:30 Why Slow Approvals Kill Deals. 05:50 The $1,000 Cost Of One Extra Day. 08:00 How Soft Pulls Close More Deals. 09:50 Why Customers Love Soft Pulls. 11:20 The 10-Second Approval. 15:00 Why First-Time Buyers Get 7% Rates. 16:30 The 280 Data Points Beyond Credit Scores. 20:00 24/7 Automation Beats Banking Hours. 21:00 The Beach Chair Email That Enraged A Store. 24:30 Why Manual Credit Apps Are Dead. 26:00 One Portal Beats Five Logins. 29:00 People First, Tech Second. Upstart - Unlike traditional auto financing, Upstart uses thousands of data points – not just credit scores – to approve more buyers, structure more profitable deals, and speed up funding. Learn more at here. Check out Car Dealership Guy's stuff: For dealers: CDG Circles ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cdgcircles.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dealership recruiting ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgrecruiting.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Fix your dealership's social media ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.trynomad.co⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For industry vendors: Advertise with Car Dealership Guy ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgpartner.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Car Dealership Guy Socials: X ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠x.com/GuyDealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Craig Sandlin chats with Matt Pauley, studio host for the St Louis Cardinals Radio Network and host of “Sports Open Line” nightly on KMOX in St Louis. The two discuss an offseason that drastically changed the landscape of the Cardinals organization, young stars that are raising the bar, and a look ahead at the weekend's pitching matchups.

The company's new CEO, and long-time chief technology officer, shares his views on why some banks are stuck in old ways of determining creditworthiness, how Upstart has been modifying its underwriting models and the objections people sometimes have to AI-based lending.

Supreme Court decisions limit government power, Iran conflict and the balance sheet, orphan support keeping families together, and an upstart conservative media organization - 1819 News. Plus, Cal Thomas on knowing the enemy, making marathon history, and the Thursday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from St. Dunstan's, inviting young men into the building arts and the adventure of holiness on a Blue Ridge Mountains farm... stdunstansacademy.orgAnd from Moody Publishers and Dr. Kathy Koch's book Resolve Conflict and Find Peace and Hope with Adult Children which offers biblical wisdom for parents navigating challenging relationships with their grown kids. With practical insight and compassionate guidance, the book helps parents pursue peace while maintaining healthy boundaries and hope for the future. Order here.

This week Germany's going ODF, the guys remember what used to be before SystemD ate the world, and Google has finally revealed what the unverified install flow will look like. There's a Blender update, Manjaro may be cooked, and there's finally a decent browser for Linux Arm. For tips we have Oh My Posh for ricing your terminal, Midnight Commander, Memos, and ClamAV. The show notes are available at https://bit.ly/47cvQ5g and Happy Linuxing! Host: Jonathan Bennett Co-Hosts: Rob Campbell, Jeff Massie, and Ken McDonald Download or subscribe to Untitled Linux Show at https://twit.tv/shows/untitled-linux-show Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: outsystems.com/twit

This week Germany's going ODF, the guys remember what used to be before SystemD ate the world, and Google has finally revealed what the unverified install flow will look like. There's a Blender update, Manjaro may be cooked, and there's finally a decent browser for Linux Arm. For tips we have Oh My Posh for ricing your terminal, Midnight Commander, Memos, and ClamAV. The show notes are available at https://bit.ly/47cvQ5g and Happy Linuxing! Host: Jonathan Bennett Co-Hosts: Rob Campbell, Jeff Massie, and Ken McDonald Download or subscribe to Untitled Linux Show at https://twit.tv/shows/untitled-linux-show Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: outsystems.com/twit

Identity fraud spiked 148% in 2025 as AI democratized identity fabrication. Financial institutions now face a fundamental question: Are you dealing with a real human? Heka Global is addressing this with web intelligence—analyzing digital footprints like connected applications rather than traditional signals. In this episode of BUILDERS, I sat down with Idan Bar Dov, Co-Founder & CEO of Heka Global, to explore how his company created a fourth layer in the anti-fraud stack and why legacy identity verification systems are becoming liabilities rather than assets. Topics Discussed:  The emergence of "fraud as a service" and why consumer-facing attacks replaced traditional enterprise breaches  How web intelligence works: validating identity through connected applications and digital footprints  The anti-fraud tech stack: credit bureaus, biometrics, transaction analytics, and web intelligence as distinct layers  Why heads of fraud expand budgets rather than replace vendors, and what causes solutions to get kicked out  The partnership sales model: navigating vendor management complexity and red tape in financial institutions  Why 10-person dinners and fraud simulations outperform traditional enterprise marketing  How Barclays and Cornerback backing solved the chicken-and-egg problem for a data product  Why specific fraud prevention messaging (account takeover, synthetic identities) beat investor credibility GTM Lessons For B2B Founders: Target ICP based on liability exposure, not just industry fit: Heka narrowed beyond "financial institutions" to lenders who bear immediate losses from fraud—companies like LendingPoint, Avant, and Upstart. These buyers feel the pain acutely versus institutions with reimbursement terms who can deflect liability. Idan's insight: "We need the client to feel the pain just as much as we see it. That means we want them to see the liability." Map your ICP not just by vertical or size, but by who internalizes the economic impact of the problem you solve. Frame your product as a new stack layer, not a competitive replacement: Heka positioned web intelligence as the fourth distinct layer after credit bureaus, biometrics, and transaction analytics. This became their second pitch deck slide, showing logos of each category. The result: buyers stopped comparing Heka to existing vendors and started evaluating complementary value. When entering mature markets, resist the urge to claim you're "better than X"—instead, define where you fit in the existing architecture and why that layer didn't exist before. Abandon spray-and-pray for sub-1,000 TAM markets: Heka tested Lemlist flows with targeted LLM personalization and saw zero pipeline from it. Idan's take: "When you're selling to maybe a thousand financial institutions, that's it. You can be super specific when you target them." For enterprise plays with small addressable markets, allocate zero budget to automated outbound. Focus entirely on warm introductions, relationship nurturing, and becoming known to every relevant buyer through content and community. Leverage investor networks to break data product cold-starts: Data products face a critical barrier—you need customer data to prove value, but need proven value to get customers. Heka solved this by bringing on Barclays and Cornerback as investors who vouched for the team's capability to "do magic and create a new layer." Their backing convinced risk-averse financial institutions to pilot. If building a product requiring customer data for training or validation, prioritize strategic investors who can credibly de-risk early adoption for target buyers. Build trust through teaching, not pitching: Heka hosts dinners and fraud incident simulations with ~10 heads of fraud per session. Critical detail: they never pitch Heka in these forums. Idan explained the approach focuses on "building a community around Heka and how people engage with your product and you being a thought leader while listening." In high-trust categories, educational forums where you facilitate peer learning without selling create stronger pipeline than direct pitching. Structure partnerships with active enablement and incentive alignment: Idan's key lesson: "Partnerships are not synonymous to distribution channels." Heka requires partner sales teams to join early customer conversations to learn the pitch, provides detailed API and output training, and ensures partners get extra compensation for selling non-core products. Without this, partners lack motivation to prioritize your solution. Structure partnerships as true collaborations requiring ongoing enablement investment, not passive referral channels. A/B test credibility signals versus technical specificity: Idan assumed messaging around Barclays backing would crush, while specific fraud prevention content (account takeover, synthetic identity detection) was an afterthought. The data showed 10x better response to technical specificity. The lesson: sophisticated buyers in technical categories respond to precise problem-solving over brand credibility. Test whether your audience values "who backs us" or "exactly what we do" before defaulting to investor logos and validation. //  Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

In this episode of Dirty Work, Adam Copeland and Tim Webb dive into the world of sports, discussing the latest news and updates. They're joined by Alex Nedeljkovic, the goalie for the San Jose Sharks, who shares stories about his recent fight with a fellow goalie and the team's impressive season. The guys also discuss the possibility of Steve Kerr's final season as Golden State Warriors head coach.See omnystudio.com/listener for privacy information.

In this episode of Dirty Work, Adam Copeland and Tim Webb dive into the world of sports, discussing the latest news and updates. They're joined by Alex Nedeljkovic, the goalie for the San Jose Sharks, who shares stories about his recent fight with a fellow goalie and the team's impressive season. The guys also discuss the possibility of Steve Kerr's final season as Golden State Warriors head coach.See omnystudio.com/listener for privacy information.

In this AI Christmas special of OPTO Sessions, we revisit standout moments from this year's conversations on how AI is changing products, cost bases and competitive moats, from Better.com and Upstart in lending, to Box and Intercom in enterprise workflows and customer service, and SoundHound in voice AI. We look at near-term execution over the next year, longer-term positioning over five years, and the best criteria for spotting real AI advantage.

On November 19th, 2025, National College of Ireland in (NCI) collaboration with Citi proudly announced the official kick-off of the Citi upStart programme for the 2025/26 academic year. The initiative, designed to foster innovation and entrepreneurship among postgraduate students, saw Citi organisers, mentors, NCI students, academics, and new partners gather for the launch event. Activate mentorship This year's programme features 165 NCI postgraduate students who took part in a series of rigorous in-house idea-development workshops facilitated by NCI academic staff. This intensive process saw 60 students progress to team formation, advancing the most promising proposals which were then presented via elevator pitches at the event. Addressing participants and mentors, Dr Prag Sharma, Director, Future of Finance Think tank, former Global Head of AI CoE at Citi expressed his admiration for the nascent ideas, and provided crucial advice on AI's role: "AI is a tool for you to use, alongside the other tools you have acquired through college and your working life. AI augments our skills; so, become experts in using it to accelerate your capabilities." Following the pitches, a "speed dating" session allowed mentors from various Citi departments to connect with student teams, exploring project proposals and identifying alignment with their skills and insights. Dr Anu Sahni, Programme Director for the MSc in AI for Business, Data Analytics, and Knowledge Transfer Champion at National College of Ireland underscored the transformative power of mentorship: "Having the guidance and support of an experienced mentor can provide a mentee with a broad range of personal and professional benefits, including gaining practical advice and encouragement, as well being exposed to new ideas, and new ways of thinking, and now having another big organisation, Mphasis onboard to support this initiative, we will definitely see a remarkable amount of value added to an already innovative collaboration." New supports This year's cohort has already benefited from additional supports, including valuable insights into innovative solution development from Georgina Lupu Florian and Adrian Florian of Wolfpack Digital. Pritesh Tiwari, CEO of Data Science Wizards (itself a spin-out company from NCI MSc in Data Science), provided guidance on idea building and validation, while Swapnil Parashar, Director of Software Engineering at Oracle Cloud, shared industry perspectives on innovation. New partnership A?significant development for this year's programme is the new strategic partnership withMphasis, a global AI-led, platform-driven technology solutions provider. Mphasis will support participating student teams through project guidance and will sponsor awards and prizes for the winners at the upcoming Dragons' Den event. Rohit Jayachandran, Head of Banking & Financial Services at Mphasis, said: "Our long-standing partnership with Citi has opened the door to impactful collaborations, such as Dragons' Den. At Mphasis, we see immense potential in the next generation of technologists, and working with Citi upStart allows us to nurture that potential and fuel innovation for the future. Additionally, Mphasis' philosophy, "AI Without Intelligence Is Artificial", aligns perfectly with the programme's focus on intelligent application of technology." The ten participating teams, comprised of master's students in Cloud Computing, Data Analytics, AI, AI for Business, Fintech, or Cybersecurity, are developing a diverse range of impactful ideas. These include "Finpals," an AI-driven solution for automating credit risk analysis; "Lendloop," a peer-to-peer lending platform; "Medinova AI" and "Medtrix," both focused on enhancing healthcare access and patient support; "Phantom," an all-in-one Irish tourism app; and "Venture Forge," which aims to innovate within the Carbon Credits Market using blockchain technology. You can read more about the teams and their projects here on the NCI we...

Copyright law experts Peter Karol and Bhamati Viswanathan join WBUR's Morning Edition to discuss what the deal between Suno and Warner Music means for the future of intellectual property.

Auto retailers and fintechs mostly reported growth in the third quarter amid mixed October retail sales, flat vehicle values and some layoffs. CarMax named David McCreight as its interim president and CEO, replacing Bill Nash, effective Dec. 1. Nash is not retiring, and the shakeup comes as the Richmond, Va.-based retailer's comparable store used-vehicle retail sales are expected to drop between 8% and 12% year over year in the third quarter of its fiscal 2026, according to CarMax's Nov. 6 release. Meanwhile, EV makers Lucid Motors and Rivian saw deliveries jump 46.6% YoY and 31.8% YoY, respectively, in the third quarter ended Sept. 30. AI-powered lending platform Upstart also saw growth in Q3, with auto loan originations up 357.1% YoY on issuance of 6,705 loans, according to a Nov. 4 Upstart presentation.  However, fintech Open Lending saw certified loan volume drop 13% YoY to 23,880, according to its Nov. 6 release. The fall came as Open Lending prepares to roll out a new credit decisioning platform. Vroom subsidiary United Auto Credit Corp. also originated $107 million in the third quarter ended Sept. 30, up 7% year over year but down 6.1% quarter over quarter. The mostly positive Q3 reports came as auto lenders tightened their credit standards. The average new-vehicle auto loan rate increased 19 basis points month over month in October to 9.6%, according to Cox Automotive. This rise is despite a 25-basis-point cut by the Federal Reserve on Oct. 29. Meanwhile, lender Prestige Financial Services reportedly laid off employees in early November, according to posts from former employees. The reported layoffs come as the subprime market faces challenges in affordability and credit performance. With these headwinds and elimination of the federal EV tax credit, automakers reported mixed sales in October. Toyota Motor North America saw sales surge 11.8% YoY to 207,910 vehicles, while Mazda's sales plummeted 32.6% YoY to 25,161 vehicles, according to the companies. In this episode of “Weekly Wrap,” Auto Finance News Editor Amanda Harris discusses trends across third-quarter earnings, vehicle values and sales for the week ended Nov. 7. 

CEO David Trainer sat down with Chuck Jaffe of Money Life to talk about our Danger Zone pick this week: Fast Charging Losses.

Your more interesting friends find hope in the youth of America.

Welcome to the Tearsheet podcast, where we explore financial services together with an eye on technology, innovation, emerging models and changing expectations. I'm Tearsheet Editor in Chief, Zack Miller. There's an old theory in lending that you can only master two or three things: growth, credit performance and profitability. For decades, this has been accepted wisdom, until AI started changing the fundamentals of how we assess credit risk. Today, I'm joined by Paul Gu, Co-Founder and Chief Technology Officer of Upstart. Paul's journey reads like a modern Silicon Valley story—from Chinese immigrant to Yale dropout. He became part of the inaugural class of Thiel Fellows before co-founding Upstart in 2012. Under his leadership, Upstart has gone from zero model training data points in 2013 to processing 91 million data points today. Their AI predicts both default and prepayment likelihood for every month of a loan's term, and Paul believes Upstart's AI is bringing them closer to achieving all three pillars of lending—an approach that could redefine consumer lending across the entire credit lifecycle. We'll explore how this evolution is playing out, dive into Upstart's 2025 roadmap, including their push for 10x AI leadership and GAAP profitability, and discuss what this means for the future of credit.

Upstart co-founder and CTO Paul Gu joins OPTO Sessions to explain how AI underwriting powers 92% fully automated loans and lifts conversion to approximately 24% as the AI lending marketplace returns to profitability with triple digit revenue growth. He unpacks fraud controls, the Upstart Macro Index, and expansion into HELOC and auto. -----The content in this podcast is for informational purposes only. Opto Markets LLC does not recommend any specific securities or investment strategies. Investing involves risk & investments may lose value, including the loss of principal. Past performance does not guarantee future results. Investors should consider their investment objectives and risks carefully before investing. The information provided is not an endorsement of this product and is for information and/or educational purposes only.

Host Eric Allen is joined in the Audi Performance Studio for a conversation with ESPN's Bart Scott about how the Jets can build on their near-victory in London and preview the Green & White's Week 7 matchup with the upstart Carolina Panthers.See omnystudio.com/listener for privacy information.

On this episode of Sports Talk with Bobby Hebert, the Saints finally won! Bobby talks to Drew Brees on what the win means for the Saints, Scott Zolak gives an insider look into the Patriots, and we wonder if Drake Maye has elevated from young prospect to a legitimate threat.

Danny Moses talks to Meredith Whitney, founder of Meredith Whitney Advisory Group, about the current state of the housing market and consumer finance. Meredith highlights the sluggishness in existing home sales, attributing it to seniors holding onto their homes and tapping into home equity loans. She discusses the consumer spending patterns of Gen Z and Millennials, focusing on the financial impact of student loans and rising healthcare premiums. The conversation also touches on private credit's growing role in consumer lending and the potential implications for companies like Rocket Mortgage and Upstart. Meredith provides insights into the regulatory landscape, the future of Fannie Mae and Freddie Mac, and the shifting dynamics of the credit card market. She concludes by discussing her successful investment picks and the potential for a coming economic cycle. --ABOUT THE SHOWFor decades, Danny has seen it all on Wall Street and has built his reputation on integrity, curiosity and skepticism that he will bring with him each week. Having traded through the Great Financial Crisis and being featured in "The Big Short" is only part of the experiences Danny wants to share with the listener. This weekly podcast cuts through market noise, offering entertaining and informative discussions with expert guests giving their views of the financial world and the human side of it. Whether you're a seasoned investor or just getting started, On The Tape provides something for all listeners.Follow Danny on X: @dmoses34The financial opinions expressed are for information purposes only. The opinions expressed by the hosts and participants are not an attempt to influence specific trading behavior, investments, or strategies. Past performance does not necessarily predict future outcomes. No specific results or profits are assured when relying on this content.Before making any investment or trade, evaluate its suitability for your circumstances and consider consulting your own financial or investment advisor. The financial products discussed in 'On The Tape' carry a high level of risk and may not be appropriate for many investors. If you have uncertainties, it's advisable to seek professional advice. Remember that trading involves a risk to your capital, so only invest money that you can afford to lose.Derivatives are not suitable for all investors and involve the risk of losing more than the amount originally deposited and any profit you might have made. This communication is not a recommendation or offer to buy, sell or retain any specific investment or service.

Greg and Doug Stokes dive into the latest Federal Reserve meeting minutes, discussing the implications of a long-awaited quarter-point interest rate cut. They examine historical data on what happens when the Fed cuts interest rates at all-time highs and explore the impact on the S&P 500, small- and mid-cap stocks, and the bond market. They also discuss IPO trends, what's really behind a weak labor market, and the potential for a market bubble. Key Takeaways [00:17] - The Fed finally cut rates [06:55] - The start of the next wave of enthusiasm in the markets [12:01] - Job market, AI, and a potential bubble View Transcript Links 17 charts to consider as stocks rally and the economy cools S&P 500 heatmap MSNBC guest has no idea what Upstart does Torsten Sløk: No Alpha Left in Public Markets What has happened historically when the Fed cuts at all-time highs? Connect with our hosts Doug Stokes Greg Stokes Stokes Family Office Subscribe and stay in touch Apple Podcasts Spotify lagniappe.stokesfamilyoffice.com Disclosure The information in this podcast is educational and general in nature and does not take into consideration the listener's personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate, qualified professional prior to making a final decision. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies referenced in our blogs/podcasts) or any other investment and/or non-investment-related content or services will be profitable, equal any historical performance level(s), be suitable or appropriate for a reader/listener's individual situation, or prove successful. Moreover, no portion of the blog/podcast content should be construed as a substitute for individual advice or services from the financial professional(s) of a reader/listener's choosing, including Stokes Family, LLC, a registered investment adviser with the SEC, with which the blogger/podcasters are affiliated.

Major developments emerge in cryptos. While some anticipate Dogecoin reaching unprecedented values, another low-cost token creates substantial excitement and could disrupt the market. Experts monitor both tokens closely. The competition for leadership intensifies, generating significant discussion among traders and enthusiasts alike. Dogecoin (DOGE) Source: TradingView Dogecoin now trades inside a narrow band of $0.2011-$0.2304. The coin lost 3.17% over the last 7 days, trimming the recent rally. Price hugs the 10-day average at $0.215. A momentum reading above 80 hints that buyers are still active, yet the mood is cautious near the top of the range. Over the past month, DOGE is up 8.61%, and the 6-month score shows a 12.27% climb. The move lifted the price above the 100-day average at $0.2147, turning that area into fresh support. Each dip toward $0.1889 has drawn buyers, keeping mid-term sentiment upbeat. If demand pushes price beyond $0.2304, the next ceiling sits at $0.2475. A clear break could add about 12% and target $0.2768, roughly 20% higher. Failure to crack resistance may drag DOGE back to $0.1889, a 10% slip. A deeper fall toward $0.1596 would erase the 6-month gain, but the current data still favours a slow grind higher while momentum stays firm. $XYZ Unlocks the G.O.A.T. Status, Early Investors Positioned for Massive ROI XYZVerse ($XYZ) has brought a brand-new concept to the memecoin niche by blending the excitement of sports with the fast-moving energy of crypto. Designed for hardcore fans of football, basketball, MMA, and esports, this project goes beyond just being another token - it's a growing community built around passion for the game. With the bold Greatest of All Time (G.O.A.T.) vision, XYZVerse is aiming higher than the average meme coin. And people are taking notice - it has recently earned the title of Best New Meme Project. What sets $XYZ apart? It's not a short-lived trend. This project has a clear roadmap and a dedicated community focused on long-term growth. Fueled by the sports mentality, the $XYZ token has emerged as the ultimate contender ready to crush competitors. $XYZ is on its way to the winner's podium to become a badge of honour for those who live and breathe sports and crypto. $XYZ Already Delivers Even Before Hitting the Market The $XYZ presale is underway, providing access to the token at a special pre-listing price. Launch Price: $0.0001 Price Now: $0.005 Next Stage: $0.01 Final Presale Price: $0.02 Following the presale, the $XYZ token will be listed on major centralised and decentralised exchanges, with a target listing price of $0.10. If the project raises enough capital to support this valuation, early investors could see returns of up to 1,000x on their presale entries. So far, over $15 million has been invested, reflecting strong market interest. Notably, securing tokens at a lower presale price offers the potential for higher ROI upon launch. Demand for $XYZ is surging, driving rapid progress in the presale. Early buyers secure the lowest prices, maximising their potential returns. Join $XYZ Presale Now and See Your Pennies Grow Into Millions! Conclusion DOGE holds strong potential amid the 2025 surge; yet, the first all-sport memecoin XYZVerse (XYZ) targets 20,000% growth, blending meme hype with sports fandom for a fresh market lead. You can find more information about XYZVerse (XYZ) here: https://xyzverse.io/, https://t.me/xyzverse, https://x.com/xyz_verse

The NFL and Disney have tied themselves more closely together with the NFL getting 10% of ESPN in exchange for the NFL Network, RedZone distribution rights, and more assets. Will it make Disney a winner in streaming? (00:21) Travis Hoium, Lou Whiteman, and Rachel Warren discuss: - The NFL and Disney - Rivian's lost EV credits - Shopify's great quarter - Upstart's explosive growth Companies discussed: Disney (DIS), Netflix (NFLX), Rivian (RIVN), Tesla (TSLA), Shopify (SHOP), Upstart (UPST) Host: Travis Hoium Guests: Lou Whiteman, Rachel Warren Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

Carl Quintanilla, David Faber, and Leslie Picker discussed the latest on the earnings front: starting with AMD's China concerns and the disappointing guide sending Super Micro shares slumping – along with the better-than-feared numbers boosting McDonalds shares with one analyst forecasting even more gains ahead. Plus: the President announcing an additional 25% tariff on goods from India as Apple announces an additional $100 billion investment to beef up U.S. manufacturing… Hear former Goldman Asset Management Chairman Jim O'Neill's take on all these fast changing tariff headlines.   Also in focus: how consumer credit is holding up with the CEO of AI lender Upstart, fresh off earnings that have shares falling double digits. A deep-dive on Disney's big sports bet along with key takeaways from quarterly results. Hear the interim CEO of Lucid break down the road ahead for his company – and the challenges that remain for the EV market… Along with the staggering numbers behind a new generation of “AI Billionaires”.

Take that, PGA Tour! Upstart professional golf competitor LIV Golf announced this week that it is raising tournament payouts beginning… The post LIV Golf Pivots toward its Team Concept appeared first on SwampSwamiSports.com.

Asking the 21 year-old investing wiz Henry Invests about his thoughts on Tesla stock. We discuss the robotaxi launch and how Elon's politics and America party ambitions will effect the company. Henry is the founder of Maple Tree Capital and an investing influencer who has made a name for himself analyzing Upstart stock.Henry Invests on X: https://x.com/HenryInvestsMy X: https://twitter.com/gfilcheHyperChange Patreon :) https://www.patreon.com/hyperchange Disclaimer: This show is not financial advice. I'm long Tesla stock.

My conversation with Henry Invests from Maple Tree Capital. This up and coming 21 year-old financial influencer has made a name for himself covering Upstart stock. The software company uses AI to determine if customers are worth lending too, essentially creating it's own algorithm that is more accurate than the FICO score. Henry pitches us the stock and explains his bullcase. He believe Upstart could eventually be a $1,000 stock, if not more, if they can fulfill their potential as the AI credit platform of the future. What do you think of Henry's Upstart Bullcase?Henry Invests on X: https://x.com/HenryInvestsMy X:   / gfilche  HyperChange Patreon :)   / hyperchange   Disclaimer: Nothing in this show is financial advice.

We were joined by people leaders from Glassdoor, Asana, and Upstart. We talked about the fragmented burnout and how it's hitting people differently, how performance expectations have shifted in the last 6-12 months, and more.---- Sponsor Links:

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1718: Philip Taylor breaks down the pros and cons of five distinct types of office spaces, helping entrepreneurs navigate the crucial decision of where to build their business. Whether you're seeking flexibility, community, or professionalism, this guide clarifies which setup aligns best with your goals and budget. Read along with the original article(s) here: https://ptmoney.com/types-of-office-space-for-entreprenuers/ Quotes to ponder: "Working from home allows for the ultimate in flexibility and cost savings." "The great thing about coworking spaces is that you're surrounded by other entrepreneurs." "Virtual offices provide a professional address and phone answering service without the cost of physical space." Episode references: WeWork: https://www.wework.com Office Evolution: https://www.officeevolution.com Davinci Virtual Office Solutions: https://www.davincivirtual.com LiquidSpace: https://www.liquidspace.com Regus Virtual Offices: https://www.regus.com/virtual-offices Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1718: Philip Taylor breaks down the pros and cons of five distinct types of office spaces, helping entrepreneurs navigate the crucial decision of where to build their business. Whether you're seeking flexibility, community, or professionalism, this guide clarifies which setup aligns best with your goals and budget. Read along with the original article(s) here: https://ptmoney.com/types-of-office-space-for-entreprenuers/ Quotes to ponder: "Working from home allows for the ultimate in flexibility and cost savings." "The great thing about coworking spaces is that you're surrounded by other entrepreneurs." "Virtual offices provide a professional address and phone answering service without the cost of physical space." Episode references: WeWork: https://www.wework.com Office Evolution: https://www.officeevolution.com Davinci Virtual Office Solutions: https://www.davincivirtual.com LiquidSpace: https://www.liquidspace.com Regus Virtual Offices: https://www.regus.com/virtual-offices Learn more about your ad choices. Visit megaphone.fm/adchoices

Palantir and Upstart: Soaring Growth but Falling Stock Prices Originally recorded: May 7, 2025Palantir Technologies (Nasdaq: PLTR) and Upstart Holdings (Nasdaq: UPST) are two of the market's hottest stocks. Both are using AI to enhance their intelligent platforms and are seeing their top-line growth accelerate.Yet curiously, even after reporting excellent quarterly results, both stocks are selling off significantly.Are there hidden risks that investors are becoming more worried about? Or have the baked-in expectations simply gotten too high?Simon digs into both companies on today's 7nvesting podcast.As a perfect fit for an episode about AI, this show is sponsored by Prophet. Prophet's AI engine incorporates fundamental and technical analysis to make stock recommendations every month. With an outstanding track record over 16 years, it's the perfect tool for passive investors who want actionable ideas but don't have a lot of time.Through 7investing's exclusive partnership, new members can get a $50 discount and also the first two months free by visiting useprophet.com/7investing. This no-upfront-cost deal is only available until July 7th!

Sanjay Datta, CFO of Upstart and former senior finance exec at Google, joins CJ to discuss leadership, scaling, and the future of lending with AI. Sanjay spent 12 years at Google, helping grow it into an $80B global ads business. He sheds light on Google's monetization model, the simplicity of its forecasting, and the power of centralized analytics. He also reflects on scaling Upstart from $10M to $500M, going public, managing investor and employee expectations, and staying agile through macroeconomic shifts.If you're looking for an ERP head to NetSuite: https://netsuite.com/metrics and get the CFO's Guide to AI and Machine Learning.—SPONSORS:Planful is a financial performance management platform designed to streamline financial tasks for businesses. It helps with budgeting, closing the books, and financial reporting, all on a cloud-based platform. By improving the efficiency and accuracy of these processes, Planful allows businesses to make better financial decisions. Find out more at www.planful.com/metrics.Subscript is a modern billing and revenue recognition platform designed for SaaS finance teams that need flexibility and accuracy. From automated invoicing and dunning to compliant, transparent revenue recognition and real-time analytics, Subscript eliminates manual work, reduces errors, and gives you a single source of truth for all your financial data. Book a free demo at subscript.com.Rippling Spend is a spend management solution that handles your entire company's spending in one unified system. It enables you to bring your corporate cards, expense management, bill pay, and more into one place to achieve real-time visibility and uniquely granular control with automated policy controls across every type of spend. Get a demo to see how much time your org would save at rippling.com/metrics.MUFG is the largest bank in Japan and a global banking powerhouse with a focus on empowering Growth and Middle Market stage companies in North America and Europe. MUFG provides comprehensive banking services for VC-backed, PE-backed, and public companies with revenues starting at $40M. The bank combines its global capabilities with deep operational understanding to help companies accelerate their growth trajectory. Contact Bob Blee at bblee@us.mufg.jp to find out more.Vanta's trust management platform takes the manual work out of your security and compliance process and replaces it with continuous automation. Over 9000 businesses use it to automate compliance needs across over 35 frameworks like SOC 2 and ISO 27001. Centralize security workflows, complete questionnaires up to five times faster, and proactively manage vendor risk. For a limited time, get $1,000 off of Vanta at vanta.com/metrics.Tropic is an intelligent spend management solution that consolidates your spend data and processes into one unified offering, enabling insights and decisive action. From spotting hidden optimization opportunities to automating painful procurement workflows and giving you the best market data to turn vendor negotiations in your favor, Tropic combines smart insights with real human expertise to keep you ahead of the curve. Visit tropicapp.io/mostlymetrics to learn how.NetSuite provides financial software for all your business needs. More than 40,000 companies have already upgraded to NetSuite, gaining visibility and control over their financials, inventory, HR, eCommerce, and more. If you're looking for an ERP platform ✅, head to NetSuite https://netsuite.com/metrics and get the CFO's Guide to AI and Machine Learning.—FOLLOW US ON X:@cjgustafson222 (CJ)—TIMESTAMPS:(00:00) Preview and Intro(02:17) Sponsor – Planful | Subscript | Rippling Spend(05:39) Sanjay's Unconventional Career Path(07:55) Lessons From Google on Being a Leader(10:11) Managing an $80 Billion Revenue Ad Business(12:24) The Evolution of Google's Monetization Model(15:06) Sponsor – MUFG | Vanta | Tropic | NetSuite(21:04) Scaling Google Ads to $80 Billion(23:18) Google's Forecasting Model(24:48) Complexity and Scale at Google(28:03) The Science of Analytics in a Digital Company(31:06) Upstart's IPO(33:00) Managing Internal Expectations in Good and Bad Times(37:10) Why You Should Work Yourself Out of a Job Each Year(41:23) Things That Get Easier As You Scale(42:18) How Metrics Shift With Scale(43:35) Contingency Planning at Upstart(47:13) Why the Lending System Is Broken(49:44) How Upstart Keeps Its Credit Models Accurate and Ethical(54:31) Predictions on the Lending Market for the Next Year(58:35) Long-Ass Lightning Round: Wine Corking Business(1:01:17) Advice to Younger Self(1:02:26) Finance Software Stack(01:02:57) Craziest Expense Story Get full access to Mostly metrics at www.mostlymetrics.com/subscribe

Scott Ross, legendary VFX executive and co-founder of Digital Domain, joins the podcast for an unfiltered conversation about the state of the film industry and the visual effects business. With decades of experience and a reputation for telling it like it is, Scott digs into the systemic challenges facing Hollywood—from broken economic models in studio filmmaking to the relentless pressure on VFX vendors. He reflects on his time building Digital Domain alongside James Cameron and shares insights from his new book, UPSTART: The Digital Film Revolution – Managing the Unmanageable, which chronicles his journey through the chaos and creativity that have defined modern filmmaking. While Scott doesn't sugarcoat the industry's issues, he also sees glimmers of hope. He highlights the rise of global talent and a shift toward more authentic, filmmaker-driven storytelling. The conversation touches on the role of AI, the decline of theatrical experiences, and the urgent need for systemic change—while still holding onto the belief that the future of cinema is worth fighting for. With honesty, insight, and passion, Scott offers a rare perspective from someone who's been at the center of the digital revolution and still has something to say.

MT VERNON, NY - With more wild Major League Rugby results and captivating individual performances, there's plenty for MLR Weekly to keep you interested. Heck, we've got the wrestling-convert-turned-MLR star, Cory Daniel of Old Glory joining us as well. BUT there's even more, as HISTORY was made this week as the W.E.R. (Women's Elite Rugby) kicked off - and we were there to witness it. Moreover, Co-Founder/President Jessica Hammond-Graf is also a featured guest, addressing the history and future of the league, which got underway with a thriller between the New York Exiles and Boston Banshees. INCLUDED in the 24 minutes: -John Fitzpatrick of Rugby Morning -Bryan Ray of Americas Rugby News -Exclusive Highlights -TRN Play of the Week -Analysis & Predictions And don't miss another excellent installment of The Rugby Odds: https://rugbywrapup.com/category/the-rugby-odds/ Please share and join our weekly newsletter: http://rugbywrapup.com/weekly-updates/ Find All Here: -Web: www.RugbyWrapUp.com -X/Twitter: @RugbyWrapUp @TheRugbyOdds, @MLR Weekly @Matt_McCarthy00, @CollegeRWU, @JonnyLewisFilms -Face Book: Rugby Wrap Up -Instagram: RugbyWrapUp -YouTube: Rugby Wrap Up -Reddit: RugbyWrapUp -TikTok: RugbyWrapUp -Podcast Platforms: RugbyWrapUp #USARugby #MajorLeagueRugby #RugbyWrapUp #OldGlory #RugbyATL #MLR2020 #SixNations #WorldRugby #SuperRugby #Top14 #PremiershipRugby #Pro14 #URC #UnitedRugbyChampionship #RugbyOdds #RugbyBetting #rfcla #giltinis

We recently lost the great actor, Gene Hackman, and we wanted to honor him and his legacy by reviewing the classic, Hoosiers (1986). This film paved the way for all underdog sports stories and Gene's role outline a roadmap for future movie coaches. We also talk about the range of Hackman and his ability to completely own the role. He will be missed.Also Play:Cinema Chain Game--------------------------------------------Subscribe, rate, and review:Apple Podcasts: Our Film FathersSpotify: Our Film FathersYouTube: Our Film Fathers---------------------------------------------Follow Us:Instagram: @ourfilmfathersTwitter / X: @ourfilmfathersEmail: ourfilmfathers@gmail.com

The market plays a love/hate relationship with earnings from Fool stocks, and we talk about the ways you and your partner can be on the same page this Valentine's Day and for years to come. (00:21) Jason Moser and Emily Flippen break down: - The Trade Desk's 30% post-earnings decline, and why it's more about the company's internal structure and execution rather than the long-term ad market opportunity. - Roku's impressive position in streaming and progress in advertising. Airbnb's vision to become the Amazon of travel and living. - Green flags from Dutch Bros, Shopify, and Upstart in their earnings reports. (19:11) Answers crew Alison Southwick and Robert Brokamp break down how to talk to your spouse about money and why “money issues” might really be the symptom of other problems in a relationship. (30:00) Emily and Jason offer love letters to their favorite stocks, and two stocks on their radar this week: AAON and Zoetis Stocks discussed: TTD, ROKU, ABNB, BROS, UPST, ZTS, AAON Host: Dylan Lewis Guests: Jason Moser, Emily Flippen, Alison Southwick, Robert Brokamp Engineers: Dan Boyd, Rick Engdahl Learn more about your ad choices. Visit megaphone.fm/adchoices

Now he wants to run OpenAI. (00:21) Jason Moser and Mary Long discuss: - Elon Musk's bid for OpenAI - What BYD's rollout of self-driving technology means for Tesla - Revitalized interest in Upstart's AI lending platform - Developments in the buy now, pay later space Then, (17:39), Anand Chokkavelu hosts Fool contributors Jason Hall and Rick Munarriz for a Scoreboard episode breaking down Trex, the composite decking company. To become a premium Motley Fool member and gain access to all Scoreboard episodes, go to www.fool.com/signup. Companies mentioned: MSFT, TSLA, BYD, UPST, JPM, AFRM, FIS, TREX Host: Mary Long Guests: Jason Moser, Anand Chokkavelu, Jason Hall, Rick Munarriz Producer: Ricky Mulvey Engineers: Dan Boyd, Michael Schweitzer Learn more about your ad choices. Visit megaphone.fm/adchoices

From ‘The Detroit Football Network Podcast' (Subscribe Here): Coming off a the first round bye, the Detroit Lions will welcome a Washington Commanders team who just pulled off a road upset in Tampa against the Bucs. Can the Lions overcome their 0-3 all-time record in the playoffs against the Commanders? On a new Detroit Football Network podcast from Allen Park, Justin Rogers and Will Burchfield chart the course for a Lions victory. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Welcome to The Weekly, your go-to roundup of the top five auto industry headlines of the week. This week's top stories: 1. Amazon officially starts selling new Hyundai vehicles online 2. Prime auto loan borrowers lean toward the used car market 3. Wholesale used car prices up year-over-year in November 4. Dealer reputations improve online, but customers still have gripes 5. CDK Global fires back at Tekion's anti-trust lawsuit Have a tip for our editorial team? Send us your scoop at insights@cardealershipguy.org. This episode is brought to you by: Upstart — Dealers, if you're looking for a smarter way to connect your customers with financing, Upstart has you covered. They partner with over 100 banks and credit unions, leveraging advanced AI models to provide superior credit products. From automotive retail loans to refinance options, Upstart's platform is designed to meet the needs of your business and your customers. Learn more at upstart.com or click the link in the show notes below. Prefer to read? Take a look at the companion newsletter for this episode here: https://news.dealershipguy.com Have a tip for our editorial team? Send us your scoop at insights@cardealershipguy.org. Check out Car Dealership Guy's stuff: CDG News ➤ https://news.dealershipguy.com/ CDG Jobs ➤ https://jobs.dealershipguy.com/ CDG Recruiting ➤ https://www.cdgrecruiting.com/ My Socials: X ➤ https://www.twitter.com/GuyDealership Instagram ➤ https://www.instagram.com/cardealershipguy/ TikTok ➤ https://www.tiktok.com/@guydealership LinkedIn ➤ https://www.linkedin.com/company/cardealershipguy/ Threads ➤ https://www.threads.net/@cardealershipguy Facebook ➤ https://www.facebook.com/profile.php?id=100077402857683 Everything else ➤ dealershipguy.com This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions.

The KingsCast Crew talk about the Kings magnificent win over the young and resurgent Rockets. They also examine what positives are sustainable for the rest of the season, Keon's lack of playing time, and Mike Brown's challenge to De'Aaron Fox. The crew discuss their takeaways from the win at Minnesota and the Kings other games from last week as well. Follow Daily on X/Twitter:   @DailySabonis *ad music via migfus20 on freesound.org Follow Ross on X/Twitter:   @Rossdreiz Rate, Review & Subscribe to The SportsEthos Sacramento Kings Podcast on iTunes and stay linked to @EthosKings on Twitter for podcast episodes, Kings news, and more! PropUp on ThriveFantasy this NBA season! Use code ETHOS at signup for a 100% deposit match bonus and win big cash by simply flexing DFS prop knowledge on the biggest names on the board! Manscaped is BACK, baby! Just like the NBA! Use coupon code HOOPBALL20 to get 20% off and free shipping on your purchase at Manscaped.com! Want more codes? We got 'em! ExpressVPN is offering 3 BONUS months on every 12-month membership purchase by using this special link: https://www.expressvpn.com/hoopball

Ohio State updates, thoughts following the Buckeyes weekly press conference at the Woody Hayes Athletic Center.Want to talk even more Ohio State football with the guys? Text us! Send a text to 614-662-4509 to get started and receive your first two weeks free.#OhioStateFootball #bigtenfootball #BigTen #buckeyesfootball #Buckeyes #THEPodcast

The Yen carry trade sent markets down across the world this week, but the rebound was swift – is this the market's usual knee-jerk reaction to macro updates or is there more for investors to be mindful of? (00:21) Jason Moser and Emily Flippen discuss: - The market's dip earlier this week and whether its business-as-usual or cause for concern. - Anti-trust actions against Alphabet's Google and its search default agreements with Apple, what it means for the companies and the state of tech regulation.  - Earnings updates and big moves from: Axon, Shopify, Airbnb, and Upstart (19:11) Bill Mann walks through the Xs and Os of the carry trade that sent Japan's NIkkei down big this week, and talks through whether the full effects have been felt and what opportunities look like in the country for investors. (31:38) Jason and Emily break down two stocks on their radar: Roku and Home Depot. Stocks discussed: GOOG, GOOGL, AAPL, AXON, SHOP, ABNB, UPST, COST, ROKU, HD Host: Dylan Lewis Guests: Emily Flippen, Jason Moser, Bill Mann Engineers: Dan Boyd Learn more about your ad choices. Visit megaphone.fm/adchoices