Podcasts about Credit Karma

Sponsored by; Dalia: https://www.dalia.co/rectechcrm Jobcase: http://jobcase.com/hire Intuit Inc. the global financial technology platform that makes Intuit TurboTax, Credit Karma, QuickBooks, and Mailchimp, today announced it has signed an agreement to acquire GoCo, a leading provider of modern HR and benefits solutions for small and mid-market businesses. With GoCo, Intuit will deliver a comprehensive Human Capital Management (HCM) solution to help businesses hire the right employees and manage their workforce effectively, all in one place. https://hrtechfeed.com/intuit-to-acquire-hr-platform-goco/ SAN DIEGO — HelloSky (formerly Skyminyr), the only talent intelligence platform purpose-built for the executive search industry, today announced the close of a $5.5 million oversubscribed seed round. The raise includes participation from Caldwell Partners, Karmel Capital, True Capital Partners, Hunt Scanlon Ventures and prominent angel investors from Google and Cisco Systems. https://hrtechfeed.com/hellosky-announces-5-5m-seed-round/ HireClix, a recruitment marketing services company, launched JobFlow SEO, a recruitment marketing technology solution that enables organizations to optimize their open job postings and be easily found on Google and other search engines. https://hrtechfeed.com/hireclix-launches-jobflow-to-imprive-employer-job-posting-seo/ NEW YORK — Greenhouse, the leading hiring platform, today announced the appointment of its new Chief People Officer, Paaras Parker. With over 15 years in HR leadership in retail and technology enterprises, including industry-leading companies like Kroger and Macy's, Paaras brings extensive experience growing high-performing people teams, building strong workplace culture, and navigating an ever-evolving workplace landscape. https://hrtechfeed.com/greenhouse-software-welcomes-new-chief-people-officer/ LinkUp released their March job numbers report; The number of active job listings rose slightly by 0.4% to 7.31 million in Q1 2025, following a steep 8.3% decline in Q4. While modest, this uptick may reflect early stabilization efforts as firms cautiously resumed hiring. https://hrtechfeed.com/u-s-job-postings-up-slightly/  

Join us for Driving Business Impact with AI: A Conversation with Maddie Daianu of Credit Karma. In this episode of the Data Science Salon Podcast, host Anna Anisin sits down with Maddie Daianu, Head of Data & AI at Credit Karma and former executive at Meta, to explore how AI, machine learning, and data-driven strategy can fuel enterprise-wide transformation. With a proven track record of driving revenue growth and innovation through AI, Maddie shares her approach to aligning ML initiatives with business outcomes, scaling high-performing teams, and influencing executive stakeholders around data-led opportunities. This conversation covers everything from monetization and predictive analytics to building a collaborative culture between technical and non-technical teams. Maddie also offers practical advice for data leaders navigating complex industries like fintech, and her perspective on the trends shaping the future of AI in business. Whether you're leading a data team or just beginning to build one, this episode offers actionable insights on harnessing the power of AI to drive meaningful impact at scale. Tune in to gain leadership insights from one of the data industry's most influential figures and learn how you can contribute to a more diverse and inclusive data science landscape. Learn more about ML/AI in Finance at DSS NYC on May 15: https://www.datascience.salon/newyork/

Is fixing your credit really that hard—or are scammers just making a fortune convincing you it is? In this episode, Steve Rhode, the original Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, break down the surprisingly simple truth about credit repair—and the dangerous line where it crosses into credit fraud. From bogus CPNs to sketchy piggybacking services, we're calling out the tricks that cost people billions every year.You'll learn what actually works to improve your credit score, why your Credit Karma number might not matter, how to legally clean up errors, and why no one needs to spend a fortune to get their financial life back.

Send us a textMiguel Armaza interviews Ryan Graciano, Co-Founder and Chief Product Officer of Credit Karma, one of the most successful fintech companies serving over 130 million customers. Credit Karma was bought by Intuit for $7.1bn in 2020, marking one of fintech's largest acquisitions ever. Ryan began his journey as CTO after a brief stint at IBM and helped build Credit Karma from the ground up since 2007.In this episode, we discuss:Key technical decisions that shaped Credit Karma's successRyan's vision for the future of AI in personal financeLessons from raising capital and building the company during the global financial crisisHow to create excitement and drive organizational transformation... and a lot more!Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 70,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

Tim and David discuss the NEW MyMac.com, Credit Karma, Captain America Brave New World, and part two of our 80s movie FaceOff!

Tim and David discuss the NEW MyMac.com, Credit Karma, Captain America Brave New World, and part two of our 80s movie FaceOff!

Alicia is joined by guest co-host Margie Remmers-Davis to explore the latest QuickBooks Online updates, from major developments like the new Amazon seller integration to small but impactful changes like the ability to print bills. They discuss exciting improvements to payroll features, including inline PTO balances and class assignments, as well as developments in e-commerce integrations and Credit Karma financing options.Send your Questions/Comments (we could read/answer them on air) unofficialquickbookspodcast@gmail.comLinks/Apps Mentioned in this episode:http://royl.ws/yearendhttp://royl.ws/QBO1099https://learn.royalwise.com/visitor_catalog_class/show/1673087/Converting-QuickBooks-Desktop-to-QuickBooks-Onlinehttps://royalwise.com/https://akadian.com/Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding (00:00) - Welcome to the Unofficial QuickBooks Accountants Podcast (00:49) - Margie's Background and Journey (05:19) - Biometric Logins and Modern Report View (07:12) - Add a Note in Modern Report View (09:59) - Payroll Updates and Enhancements (16:06) - E-commerce and Inventory Integrations (21:14) - PayPal Integration and App Transactions (24:45) - Limitations of Current System (25:47) - Exciting New Feature: Printing Bills (26:17) - Expense Claims and Bill Pay Updates (30:15) - QuickBooks Time Settings (33:45) - Financing Options with Credit Karma (44:05) - New Features and Updates Recap

Worried that past credit mistakes might keep you from buying a home? David breaks down how credit scores actually work for mortgages, sharing practical steps to improve your score and explaining why that forgotten $12 water bill from three apartments ago might be more important than you think. He also covers major changes coming in 2025 that could give millions of Americans a fresh start by removing medical debt from credit reports.Quote"Time with credit score is everything. The sooner you begin, the better your results. Don't bury your head in the sand—it's all fixable."Key HighlightsCould your rental payments actually boost your credit score? Discover how to leverage your biggest monthly payment to improve your creditworthinessWhat if you could "borrow" decades of credit history instantly? Learn about the authorized user "magic trick" that raised the host's score by 40 points in two weeksIs a 760 credit score the same as an 820 for home loans? Understand how mortgage lenders actually view your score in 20-point tiersWhy are you losing thousands by waiting to check your credit? The truth about hard pulls and why timing is crucialCould the 2025 medical debt removal boost your score by 20+ points? New regulations affecting $49 billion in medical debtReferenced EpisodesCredit Score Deep Dives: Episodes 3, 8, 56, 61, 64, 90, 199PMI Episodes: 198 ("PMI is a Privilege"), 216 ("PMI is a Privilege and Still Not the Devil")Credit Professional Interview: Episode 164Important Tips for First-Time BuyersStart Early: Credit improvements take 60-90 days to reflect. Begin working on your score 1-2 years before buying.Check Real Reports: Use AnnualCreditReport.com, not Credit Karma. Credit professionals have never seen a report without mistakes.Strategic Credit Use: Keep card utilization at 7% (not 0% or 100%) for optimal scores.Medical Debt Relief: New 2025 CFPB regulations remove $49 billion in medical debt from credit reports.Down Payment Strategy: Don't wait to save 20% if it means years of extra rent. A good credit score can make PMI more affordable.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeThis podcast was created for YOU - to cut through the confusion and empower you to buy your first home. Let's change how the real estate industry treats first-timers, one buyer at a time- starting with YOU!Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with over 18 years of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

If there is one thing that the last decade of fintech innovation has achieved, it is more awareness around consumer credit scores. The majority of the population know their approximate score and even teenagers are talking about it. For better or worse (I think it almost uniformly positive) consumers look at the score as a measure, maybe even the measure, of their financial health.My next guest on the Fintech One on One podcast is Adrian Nazari, the CEO and Founder of Credit Sesame. It is companies like Credit Sesame that have been at the forefront of the increased awareness of credit scores. Now, with a new B2B offering they are poised to reach even more consumers than ever before.In this podcast you will learn:Why he decided to start Credit Sesame.What is still missing to help consumers manage their credit.What Credit Sesame offers for consumers today.The various ways they are using AI at Credit Sesame.Why they are exclusively focused on credit for financial wellness.Why they decided to start a B2B offering.Who they are focused on with this product.How Adrian is managing both a direct to consumer and a B2B offering.Why he thinks the B2B side will be the growth driver moving forward.How they are working with lenders to improve the borrower experience.How they are different to Credit Karma.The state of the US consumer today when it comes to their credit score.His vision for Credit Sesame.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Mark Fiske, seasoned marketeer and master of digital, is Operating Partner and Head of Digital Transformation at H.I.G. Capital, one of the largest and most influential private equity firms in the middle market, managing $65 billion in capital across a portfolio of over 100 companies. In his role, Mark drives the digital transformation strategy and co-leads the Generative AI practice, partnering with portfolio management to accelerate value creation. Before making his mark in PE, Mark led the marketing teams at fast-growing powerhouse brands like Ancestry and Credit Karma. In our latest episode of the Brilliant People Podcast, Mark joins host Linnea Jungnelius, Global Head of Marketing & Strategy at Acertitude, to explore: -The evolution of the operating partner role and its impact on growth -Proven marketing strategies for driving scale and success -Navigating the shifting landscape of the modern CMO -Harnessing Generative AI as a powerful tool for value creation

Is the insurance industry finally ready to move beyond buzzwords to meaningful AI implementation? How are innovative companies translating data into actionable insights? In this special episode of our ITC series, we explore how three companies are taking different approaches to harnessing AI and analytics to solve real industry challenges. Our conversations with Leandro DalleMule of Planck, Sean Merat of Owl.co, and Dennis Ellis of Credit Karma reveal how mature AI solutions are finally addressing longstanding operational challenges in insurance. Their approaches demonstrate that success with AI isn't about the technology itself—it's about solving specific business problems and delivering measurable outcomes.   Key Insights: - The evolution of AI in insurance from experimental to practical - How companies are moving beyond data collection to actionable insights - The critical balance between automation and human judgment - The role of domain expertise in building effective AI solutions - Importance of focusing on business problems rather than technology   Featured Conversations:   Sean Merat, CEO of Owl.co [01:50] Journey into insurance technology [02:46] Owl.co's claims insights engine approach [03:34] The human element in AI-driven decisions [04:14] Focus on bodily injury claims processing [05:46] Compliance and ethical considerations in claims data   Notable Quote: "We are big ambassadors into the thought process that there should always be a human in the loop. Even though we're an AI company, we think that AI should be working on mundane aspects of the day-to-day lives of claims professionals, but the decisioning should always be on the human."   Dennis Ellis, General Manager of Insurance at Credit Karma [01:50] Transition from Zendrive to Credit Karma [09:22] Creating frictionless insurance experiences [13:09] First 90 days leading post-acquisition integration [15:23] Building awareness for insurance offerings [23:01] Connecting credit data with insurance opportunities   Notable Quote: "What we focus on in all of our products, but in insurance especially, is how do we create a marketplace that allows people to have kind of frictionless certainty?" Leandro DalleMule, Global Head of Insurance at Planck [01:35] Background in insurance analytics [02:17] Evolution from data management to AI solutions [07:47] Product market fit journey [08:16] Early adoption of AI in insurance [09:48] Focus on solving underwriting pain points   Notable Quote: "We never really framed it as, you need AI. We always try to frame it in terms of your pain points from an insurance, very specific carrier point of view." Key Themes:   AI Implementation Strategy - Moving beyond buzzwords to practical solutions - Focus on specific business problems and outcomes - Balance between automation and human judgment   Data Analytics Evolution - Transition from data collection to actionable insights - Integration of multiple data sources - Importance of compliance and ethical considerations   Market Education - Building understanding of AI capabilities - Demonstrating concrete business value - Setting realistic expectations for AI implementation   Digital Transformation - Creating seamless user experiences - Integrating technology with existing workflows - Measuring and proving ROI   About Our Guests:   Leandro DalleMule leads Planck's global insurance initiatives, bringing extensive experience from roles at AIG and other major financial institutions. His background in data analytics and insurance operations provides unique insights into practical AI implementation. Sean Merat co-founded Owl.co, which works with 16 of the top 20 largest carriers to enhance claims processing through AI-driven insights. His focus is on making claims decisioning faster and more effective while maintaining human oversight. Dennis Ellis serves as General Manager of Insurance at Credit Karma, following their acquisition of Zendrive. He focuses on creating frictionless insurance experiences that leverage both credit and behavioral data.   Resources: Sean Merat & Owl.co - https://www.owl.co - LinkedIn: [Sean Mehrat](https://www.linkedin.com/in/seanmerat/)   Dennis Ellis & Credit Karma - https://www.creditkarma.com/insurance - LinkedIn: [Dennis Ellis](https://www.linkedin.com/in/dennis-ellis)   Leandro DalleMule & Planck - https://www.planckdata.com - LinkedIn: [Leandro DalleMule](https://www.linkedin.com/in/leandrodallemule/)   This episode launches our exploration of how AI and analytics are transforming various aspects of insurance operations, from underwriting to claims to customer experience. Stay tuned for upcoming episodes focusing on distribution, collaboration, innovation, and leadership.  

Is the insurance industry finally ready to move beyond buzzwords to meaningful AI implementation? How are innovative companies translating data into actionable insights? In this special episode of our ITC series, we explore how three companies are taking different approaches to harnessing AI and analytics to solve real industry challenges. Our conversations with Leandro DalleMule of Planck, Sean Merat of Owl.co, and Dennis Ellis of Credit Karma reveal how mature AI solutions are finally addressing longstanding operational challenges in insurance. Their approaches demonstrate that success with AI isn't about the technology itself—it's about solving specific business problems and delivering measurable outcomes.   Key Insights: - The evolution of AI in insurance from experimental to practical - How companies are moving beyond data collection to actionable insights - The critical balance between automation and human judgment - The role of domain expertise in building effective AI solutions - Importance of focusing on business problems rather than technology   Featured Conversations:   Sean Merat, CEO of Owl.co [01:50] Journey into insurance technology [02:46] Owl.co's claims insights engine approach [03:34] The human element in AI-driven decisions [04:14] Focus on bodily injury claims processing [05:46] Compliance and ethical considerations in claims data   Notable Quote: "We are big ambassadors into the thought process that there should always be a human in the loop. Even though we're an AI company, we think that AI should be working on mundane aspects of the day-to-day lives of claims professionals, but the decisioning should always be on the human."   Dennis Ellis, General Manager of Insurance at Credit Karma [01:50] Transition from Zendrive to Credit Karma [09:22] Creating frictionless insurance experiences [13:09] First 90 days leading post-acquisition integration [15:23] Building awareness for insurance offerings [23:01] Connecting credit data with insurance opportunities   Notable Quote: "What we focus on in all of our products, but in insurance especially, is how do we create a marketplace that allows people to have kind of frictionless certainty?" Leandro DalleMule, Global Head of Insurance at Planck [01:35] Background in insurance analytics [02:17] Evolution from data management to AI solutions [07:47] Product market fit journey [08:16] Early adoption of AI in insurance [09:48] Focus on solving underwriting pain points   Notable Quote: "We never really framed it as, you need AI. We always try to frame it in terms of your pain points from an insurance, very specific carrier point of view." Key Themes:   AI Implementation Strategy - Moving beyond buzzwords to practical solutions - Focus on specific business problems and outcomes - Balance between automation and human judgment   Data Analytics Evolution - Transition from data collection to actionable insights - Integration of multiple data sources - Importance of compliance and ethical considerations   Market Education - Building understanding of AI capabilities - Demonstrating concrete business value - Setting realistic expectations for AI implementation   Digital Transformation - Creating seamless user experiences - Integrating technology with existing workflows - Measuring and proving ROI   About Our Guests:   Leandro DalleMule leads Planck's global insurance initiatives, bringing extensive experience from roles at AIG and other major financial institutions. His background in data analytics and insurance operations provides unique insights into practical AI implementation. Sean Merat co-founded Owl.co, which works with 16 of the top 20 largest carriers to enhance claims processing through AI-driven insights. His focus is on making claims decisioning faster and more effective while maintaining human oversight. Dennis Ellis serves as General Manager of Insurance at Credit Karma, following their acquisition of Zendrive. He focuses on creating frictionless insurance experiences that leverage both credit and behavioral data.   Resources: Sean Merat & Owl.co - https://www.owl.co - LinkedIn: [Sean Mehrat](https://www.linkedin.com/in/seanmerat/)   Dennis Ellis & Credit Karma - https://www.creditkarma.com/insurance - LinkedIn: [Dennis Ellis](https://www.linkedin.com/in/dennis-ellis)   Leandro DalleMule & Planck - https://www.planckdata.com - LinkedIn: [Leandro DalleMule](https://www.linkedin.com/in/leandrodallemule/)   This episode launches our exploration of how AI and analytics are transforming various aspects of insurance operations, from underwriting to claims to customer experience. Stay tuned for upcoming episodes focusing on distribution, collaboration, innovation, and leadership.  

Is the insurance industry finally ready to move beyond buzzwords to meaningful AI implementation? How are innovative companies translating data into actionable insights? In this special episode of our ITC series, we explore how three companies are taking different approaches to harnessing AI and analytics to solve real industry challenges. Our conversations with Leandro DalleMule of Planck, Sean Merat of Owl.co, and Dennis Ellis of Credit Karma reveal how mature AI solutions are finally addressing longstanding operational challenges in insurance. Their approaches demonstrate that success with AI isn't about the technology itself—it's about solving specific business problems and delivering measurable outcomes.   Key Insights: - The evolution of AI in insurance from experimental to practical - How companies are moving beyond data collection to actionable insights - The critical balance between automation and human judgment - The role of domain expertise in building effective AI solutions - Importance of focusing on business problems rather than technology   Featured Conversations:   Sean Merat, CEO of Owl.co [01:50] Journey into insurance technology [02:46] Owl.co's claims insights engine approach [03:34] The human element in AI-driven decisions [04:14] Focus on bodily injury claims processing [05:46] Compliance and ethical considerations in claims data   Notable Quote: "We are big ambassadors into the thought process that there should always be a human in the loop. Even though we're an AI company, we think that AI should be working on mundane aspects of the day-to-day lives of claims professionals, but the decisioning should always be on the human."   Dennis Ellis, General Manager of Insurance at Credit Karma [01:50] Transition from Zendrive to Credit Karma [09:22] Creating frictionless insurance experiences [13:09] First 90 days leading post-acquisition integration [15:23] Building awareness for insurance offerings [23:01] Connecting credit data with insurance opportunities   Notable Quote: "What we focus on in all of our products, but in insurance especially, is how do we create a marketplace that allows people to have kind of frictionless certainty?" Leandro DalleMule, Global Head of Insurance at Planck [01:35] Background in insurance analytics [02:17] Evolution from data management to AI solutions [07:47] Product market fit journey [08:16] Early adoption of AI in insurance [09:48] Focus on solving underwriting pain points   Notable Quote: "We never really framed it as, you need AI. We always try to frame it in terms of your pain points from an insurance, very specific carrier point of view." Key Themes:   AI Implementation Strategy - Moving beyond buzzwords to practical solutions - Focus on specific business problems and outcomes - Balance between automation and human judgment   Data Analytics Evolution - Transition from data collection to actionable insights - Integration of multiple data sources - Importance of compliance and ethical considerations   Market Education - Building understanding of AI capabilities - Demonstrating concrete business value - Setting realistic expectations for AI implementation   Digital Transformation - Creating seamless user experiences - Integrating technology with existing workflows - Measuring and proving ROI   About Our Guests:   Leandro DalleMule leads Planck's global insurance initiatives, bringing extensive experience from roles at AIG and other major financial institutions. His background in data analytics and insurance operations provides unique insights into practical AI implementation. Sean Merat co-founded Owl.co, which works with 16 of the top 20 largest carriers to enhance claims processing through AI-driven insights. His focus is on making claims decisioning faster and more effective while maintaining human oversight. Dennis Ellis serves as General Manager of Insurance at Credit Karma, following their acquisition of Zendrive. He focuses on creating frictionless insurance experiences that leverage both credit and behavioral data.   Resources: Sean Merat & Owl.co - https://www.owl.co - LinkedIn: [Sean Mehrat](https://www.linkedin.com/in/seanmerat/)   Dennis Ellis & Credit Karma - https://www.creditkarma.com/insurance - LinkedIn: [Dennis Ellis](https://www.linkedin.com/in/dennis-ellis)   Leandro DalleMule & Planck - https://www.planckdata.com - LinkedIn: [Leandro DalleMule](https://www.linkedin.com/in/leandrodallemule/)   This episode launches our exploration of how AI and analytics are transforming various aspects of insurance operations, from underwriting to claims to customer experience. Stay tuned for upcoming episodes focusing on distribution, collaboration, innovation, and leadership.  

Willie Macc, a breakout from the hit BET show 'College Hill: Virgin Island,' has transitioned seamlessly from reality TV stardom to an accomplished Hollywood actor and comedian. With over 100 million views on his stand-up and comedy videos across various social media platforms, Willie's humor resonates globally. He's graced screens in over 50 national commercials for brands like Kia, Verizon, Credit Karma, Progressive, Snapple, and more. Beyond commercials, Willie Macc has made notable appearances on shows like CSI, Hulu's 'Casual,' ABC's 'The Goldbergs,' and more. He's taken his comedic talent worldwide, entertaining the US Military abroad and headlining stand-up shows internationally. His stand-up has been featured on Netflix as a Joke Radio, TruTV's LaffMobb LaffTracks, and his Don't Tell Comedy performance has accumulated over 45 million views online. Alongside his thriving comedy career, catch Willie Macc and co-host Danny Plom on their podcast 'Afronoodles,' available on TikTok and Instagram. Join our funny-spooky episode, co-hosting Belgica Rodriguez! Watch the weekly LIVE stream on ⁠⁠BraveMaker ⁠⁠YouTube⁠⁠⁠⁠. Follow BraveMaker on social media: ⁠⁠⁠Instagram⁠⁠⁠ ⁠⁠⁠TikTok⁠⁠⁠ ⁠⁠⁠Facebook⁠ --- Support this podcast: https://podcasters.spotify.com/pod/show/bravemaker/support

Send us a textMiguel Armaza travels to Alexandria, Virginia for an in-person interview with a fintech legend: Nigel Morris, Co-Founder of QED and Capital One. QED is a global fintech venture capital firm that has backed numerous amazing companies, including Credit Karma, Nubank, Avant, SoFi, and Klarna. They currently have over $4.0 billion in AUM.Prior to QED, Nigel co-founded Capital One in 1994. The bank today is amongst the 10 largest banks in the US with almost $500 billion in assets. They are also one of the most innovative financial institutions that have inspired countless of entrepreneurs worldwide.In this episode, we discuss:Building Capital One and the principles and innovations that shaped the success of the bankNigel started investing in venture capital 17 years ago – what has he learned about backing great founders?Why Nigel is still very bullish about the future of fintechWhat makes an effective board meeting, a day in the life of Nigel… and a lot more!Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join ~70,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

In this episode, host Ashish Rajan sits down with Prahathess Rengasamy, a cloud security expert with extensive experience at companies like Credit Karma, Block, and Apple. Together, they explore the challenges and best practices for scaling cloud security, especially in the complex scenarios of mergers and acquisitions. Starting with foundational elements like CSPMs and security policies, Prahathess breaks down the evolution of cloud security strategies. He explains why cloud security cannot succeed in isolation and emphasizes the need for collaboration with platform and infrastructure engineering teams. The conversation delves into real-world examples, including managing AWS and GCP security post-acquisition and navigating the cultural and technical challenges that come with multi-cloud environments. Guest Socials:⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Prahathess's Linkedin Podcast Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@CloudSecPod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you want to watch videos of this LIVE STREAMED episode and past episodes - Check out our other Cloud Security Social Channels: - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cloud Security Podcast- Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cloud Security Newsletter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cloud Security BootCamp Questions asked: (00:00) Introduction (02:02) A bit about Prahathess (02:36) How does Cloud Security Scale? (07:51) Where do we see just in time provisioning? (10:05) Cloud Security for Mergers and Acquisitions (14:31) Should people become MultiCloud Experts? (15:28) The need for data insights (16:54) Data sources to have as part of data insights (21:06) Benefits of Data insights for Cloud Security Teams (21:30) How to bring the new team along the cloud security journey? (24:29) How to learn about data insights? (26:35) How to maximize security efforts with data? (36:21) The Fun Section

Richard Mathera is a Managing Director at Irrational Labs. He leads Irrational Labs' healthcare practice and formerly led its financial decision-making work. Richard has overseen dozens of behavioral economics projects and experiments with commercial clients. A few of these include: One Medical, TytoCare, Neugen, Vouchers 4 Veggies, Steady, Beneficial State Bank, Simple, and Credit Karma. Prior to joining Irrational Labs, Richard was a Senior Behavioral Scientist at the Common Cents Lab, a Duke University initiative which leverages behavioral economics to improve the financial well-being of low and moderate income Americans, where he designed and launched numerous behaviorally-informed products, features, initiatives, and experiments. Formerly Richard has applied behavioral economics at ideas42 and developed randomized controlled trials at Innovations for Poverty Action in Morocco. He has also served as a Team Lead/Senior Investment Officer and a Senior Advisor at USAID's Office of Development Credit and worked at Cornerstone Research, an economic and financial consulting firm specializing in complex commercial litigation. Richard holds a Master's degree from Columbia University's School of International and Public Affairs, where he studied Advanced Policy and Economic Analysis and a Bachelor's degree from the University of Virginia, where he studied economics, Spanish, and French, graduating Phi Beta Kappa. For more information, you can email Richard at richard@irrationallabs.com or visit his website at https://irrationallabs.com/.

Dennis is general manager of insurance at Intuit Credit Karma, where he oversees the company's fast-growing business unit that encompasses auto, life, home and renters insurance for Credit Karma's more than 120 million U.S. members. Dennis joined Credit Karma through the acquisition of Zendrive, which will enable Credit Karma to accelerate Karma Drive, the company's usage-based insurance product. At Zendrive, Dennis served as CEO where he oversaw the team and company strategy in pursuit of making roads safer through the power of data and analytics. Dennis is a seasoned technology professional, having held leadership roles at LiveRamp, Bertram Capital and Google X. Dennis holds an MBA from Stanford Business School and a bachelor's degree from Virginia Tech.  Highlights from the Show Dennis joined Intuit Credit Karma through their acquisition of ZenDrive, where he was CEO With credit being such a huge part of Auto insurance, it makes sense for a business like Credit Karma to be focused on the space, and help consumers manage their auto insurance rates and coverage as their credit score changes Credit Karma is not exclusively set on Auto insurance, but thinks instead of areas where consumer education and support in navigating something complex can yield better outcomes for them, so there are other possibilities for the business in insurance down the road One key thing to manage will be the issue of Privacy, which has been especially fraught in telematics and IoT-based coverage; Credit Karma thinks transparency and clarity are critical to be sure consumers always know where they stand when it comes to their data  This episode is brought to you by The Future of Insurance thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

Today's episode, well — it's a ride. I'm talking to Intuit CEO Sasan Goodarzi, who's built Intuit into a juggernaut business software company in part through a series of major acquisitions: TurboTax, MailChimp, CreditKarma, and loads more. There's a lot of good Decoder material there, and we get into it.  But it's TurboTax, and the company's tax lobbying efforts to protect it, that really drives a major narrative about Intuit, for better and worse. So you can bet I asked Sasan about all this, and it got a bit contentious. In fact, the company's chief communications officer even demanded we delete a portion of this interview over an exchange with Sasan on TurboTax. Don't worry — we don't do that here at The Verge. So expect to hear that section right up top, with the rest of the interview following after. Links: Inside TurboTax's 20-year fight to stop Americans from filing taxes for free| ProPublica TurboTax deliberately hid free file page from Google Search | ProPublica TurboTax maker Intuit spent millions in record lobbying blitz | OpenSecrets FTC: Intuit's “free” TurboTax ads misled consumers | The Verge TurboTax isn't allowed to say it's ‘free' anymore | The Verge Intuit owes you money if it made you pay for TurboTax “free” | The Verge IRS extends its Free File tax program for five more years | The Verge IRS Direct File set to expand availability in a dozen new states | IRS Mint is shutting down, and it's pushing users toward Credit Karma | The Verge Intuit Mailchimp CEO Rania Succar on Decoder | Decoder Ethics Statement | The Verge Transcript: https://www.theverge.com/e/24037861 Credits:  Decoder is a production of The Verge and part of the Vox Media Podcast Network. Our producers are Kate Cox and Nick Statt. Our editor is Callie Wright. Our supervising producer is Liam James. The Decoder music is by Breakmaster Cylinder. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's guest is Supriya Gupta, General Manager and Vice President of Product at Credit Karma. Credit Karma is a multinational personal finance brand under Intuit that makes products free to consumers and helps them find lenders. Supriya returns to this podcast, straight from her appearance on the AI in Business podcast, to explore the evolving role of personalization and AI in credit workflows. She dives into how Credit Karma is laying the foundation for autonomous finance, a concept aimed at minimizing human intervention in financial decision-making. To access Emerj's frameworks for AI readiness, ROI, and strategy, visit Emerj Plus at emerj.com/p1.

Today's guest is Supriya Gupta, General Manager and Vice President of Product at Credit Karma. Credit Karma is a multinational personal finance brand under Intuit that makes products free to consumers and helps them find lenders. Supriya returns to the platform today to dive deep into the evolving landscape of financial services, highlighting the challenges and opportunities facing the industry today. We explore Credit Karma's journey from its inception as a “born digital” company to its innovative use of generative AI, such as the development of Intuit Assist - an AI-driven tool that acts as a financial co-pilot, offering real-time, personalized financial advice and insights. Supriya offers an insider's look at how these systems go beyond traditional customer service roles to create proactive and context-specific interactions. To access Emerj's frameworks for AI readiness, ROI, and strategy, visit Emerj Plus at emerj.com/p1.

In this episode Hilliard and guest co-host (writer & teamster) Ric Davis sat down in a laugh-out-loud episode with actor/writer/comedian WILLIE MACC!Willie Macc has over 100 million views of his standup and comedy videos across all social media platforms. He is one of the stars from the hit BET show College Hill: Virgin Island. Willie Macc is sold his pilot “My Flipping Familys” on HGTV where he and his brother buy and flip homes around St. Louis. Willie Macc has become one of the few Reality TV stars to transition and make it as working actor and comedian in Hollywood. He has been in over 50 national commercials such as Kia, Verizon, Credit Karma, Progressive, Snapple, and many more. Willie has app teared in tv shows such as CSI, Casual on Hulu, ABCs The Goldbergs, Meet the Spartans with Kevin Sorbo, Carmen Electra and Tiffany Haddish. Willie Macc has recently been featured in Deadline for the Black Boy Writes Program started by showrunner Mike Guayo writer on HBO's Insecure and Netflix's Ginny and Georgia, where, after the program, will staff the cohort on TV shows. Willie Macc started doing stand up in 2009 and now travels as a stand up comic and internationally for the US Military performing for our troops. Willie Macc's stand up has been featured on TruTVs “LaffMobb LaffTracks” and his” Don't Tell Comedy” comedy clips have garnered over 45 million views online! You can see Willie frequently at the Comedy Store and Laugh Factory in Hollywood, CA. Our Motto: "We keep it GAME all day!" NEW WEBSITE:www.screenwritersrantroom.com For information, Merch (T-SHIRTS/HOODIES), and all things Rant Room!Screenwritersrantroom.com Subscribe, like, follow, share & 5-star review!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@Hilliard Guess on all social mediaIG: @ScreenwritersRantRoom WE ARE NOW OPEN TO SPONSORSHIPS AND BRANDING OPPORTUNITIES⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠: Screenwritersrantroom@gmail.com We invest countless hours per week to deliver the actionable content that goes into this podcast. We appreciate your support! SCREENWRITER NETWORKS:OBSwriter.comBTFC.org Send in a voice message: https://podcasters.spotify.com/pod/show/screenwriters-rant-room/message Support this podcast: https://podcasters.spotify.com/pod/show/screenwriters-rant-room/support⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠PODCASTS WE SUPPORT: 2 Writers Talkin Shit: https://podcasts.apple.com/us/podcast/2-writers-talking-shit/id1671253747 Hollywood Confessional: https://podcasts.apple.com/us/podcast/hollywood-confessional/id1628848064?i=1000630276175 The Qube & Queer News: https://podcasts.apple.com/us/podcast/queer-news/id1595777135 A Conversation With Floyd Marshall Jr: https://podcasts.apple.com/us/podcast/a-conversation-with-host-floyd-marshall-jr/id1544499834 THEME SONG: Jack Spade WEBSITE: Abigail Bloom & Laura HuieLOGOS: Rachel Musikanth RANT ROOM TEAM:Richard Scott - Creative ProducerTyler Musikanth - Associate ProducerBrooke Baltimore - Marketing Togo - MarketingJade Hunter Alessandria - BTS --- Support this podcast: https://podcasters.spotify.com/pod/show/screenwriters-rant-room/support

Welcome to another episode of Category Visionaries — the show that explores GTM stories from tech's most innovative B2B founders. In today's episode, we're speaking with Tuck Hauptfuhrer, CEO & Co-Founder of EarnBetter, an AI-powered job search platform that's raised $4.5 Million in funding. Here are the most interesting points from our conversation: Job Search Revolution: EarnBetter is leveraging AI to assist job seekers with resume writing, cover letter drafting, interview preparation, and job tracking—all for free. Tuck emphasizes that the job search is a challenging, unpaid task, and EarnBetter aims to ease this burden by providing comprehensive support. Origin Story: The idea for EarnBetter was born out of Tuck's experience at Credit Karma, where he saw that financial struggles were often tied to career stagnation. The realization that most people navigate their job search alone inspired him to create a free, AI-powered platform to support job seekers. Consumer Focus: Drawing from his experience at Credit Karma, Tuck underscores the importance of being consumer-centric. EarnBetter is committed to providing a 100% free service, driven by user feedback and focused on solving real problems for job seekers. Manual Beginnings to AI Integration: Before any code was written, the EarnBetter team manually helped job seekers to validate their approach. The introduction of generative AI has since accelerated their ability to automate these processes, but the mission to provide free, comprehensive job search support remains unchanged. Business Model Innovation: EarnBetter's business model mirrors the win-win approach seen at Credit Karma. The platform remains free for job seekers, while employers pay for access to qualified candidates. This model supports the company's commitment to offering free services, which sets them apart from competitors. Future Vision: Tuck envisions EarnBetter not just as a job search tool, but as a long-term career partner. The goal is to build a marketplace that enhances the hiring process for both employers and job seekers, raising the industry standard for support provided to job seekers.   //   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

In this episode, Vince Lucero, Founder & CEO of DubPrime, shares his journey from working on the Google Play Store and Credit Karma to founding a company aimed at revolutionizing credit access for gig workers. Vince discusses the challenges of traditional lending systems and how DubPrime is leveraging AI to assess creditworthiness in a more inclusive way. With a deep commitment to social impact, Vince's story is one of innovation, passion, and a desire to pay forward the opportunities he's had. Founders In LA listeners will gain insights into the intersection of technology, finance, and social equity.

Host of ‘How to Money' on KFI Joel Larsgaard joins the show to talk about a new Credit Karma survey finding more Americans want to rent everything and own nothing, being car-free, and economic proposals from presidential candidates. Selfies can ruin destinations for others, according to research. Host of ‘Later with Mo Kelly' on KFI weekdays from 7pm-10pm wraps the show talking about Janet Jackson revealing her family tree that includes Stevie Wonder, Samuel L Jackson, and Tracey Chapman.

The humble credit score has come a long way. Consumers, particularly younger consumers, are more aware of their credit score today than ever before. Historically, banks and credit unions have been the gatekeepers of our financial lives so it makes sense that they would want to provide information and context around credit scores. At the same time drive their customers to relevant products based on this information. Enter SavvyMoney.My guest today on the Fintech One-on-One podcast is JB Orecchia, the CEO and Founder of SavvyMoney. His team has created a sophisticated platform for banks and credit unions to provide credit score information as well as personalized education and product recommendations. So, a bank's customer doesn't have to go to Credit Karma to learn about their credit score, they can do it right within the banking app.In this podcast you will learn:How his background in lending informed the creation of SavvyMoney.Why consumers are more aware of their credit score today.The types of financial institutions that use SavvyMoney.The ROI for the typical bank or credit union.Why this is most powerful as a retention product.The integrations they have with the major digital banking platforms.What is involved for a new financial institution to onboard SavvyMoney.The tiny fraction of consumers who opt out.The primary product categories their FIs are focused on.How banks can compete with fintechs in customer acquisition.Why their Get My Rate product is such a big deal for FIs.How they are thinking about Generative AI for SavvyMoney.JB's vision for the future of SavvyMoney.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Host of ‘How to Money' on KFI Joel Larsgaard joins the show to talk about a new Credit Karma survey finding more Americans want to rent everything and own nothing, being car-free, and economic proposals from presidential candidates.

Gen Z's debt won't just affect them. It could be a problem for everyone. In the second episode of our three-part series “Gen Z & the Debt Trap,” we talk with TransUnion and Credit Karma experts to discuss potential consequences of Gen Z's debt for past generations and those to come. We'll also get to know 25-year-old Gaia Jacobs, who says she traded her dream career for a steady job in order to pay off her debt. Plus, we talk with a mental-health professional from the American Psychiatric Association to learn how Gen Zers' spending habits could be making the problem worse. Tadeo Ruiz Sandoval hosts. Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Miko Love Podcast, Kumiko dives into the growing threat of data breaches and identity theft, a concern that's becoming all too common as companies face increasing security challenges. She shares practical steps to safeguard your money and assets, including freezing your credit, using two-factor authentication, and staying vigilant for signs of compromise. Kumiko also clarifies the difference between a credit freeze and a credit lock, and stresses the importance of regularly checking your credit report. Tune in to learn how to take proactive measures to protect yourself and minimize the impact of potential data breaches. TAKEAWAYSFreeze your credit with all three major credit bureaus to prevent criminals from accessing your financial accounts and opening new ones in your name.Implement two-factor authentication for all your online accounts to add an extra layer of security.Regularly monitor your credit and be vigilant for any signs of compromise, using tools like Credit Karma for notifications and pulling your credit report.Choose a credit freeze over a credit lock, as freezes offer more legal protections and are free of charge.Contact each of the three major credit bureaus — Equifax, Experian and TransUnion — individually to freeze your credit:Equifax: Call the automated line at 800-349-9960 or customer care at 888-298-0045, or go online.Experian: Go online to initiate, or for information call 888‑397‑3742. TransUnion: Call 800-916-8800 or 888-909-8872, or go online. Request copies of your credit report from the main credit reporting agencies – Equifax, Experian, and TransUnion  – and examine them for any unexplained accounts opened in your name. You are entitled to order a free copy of your credit report from each of the major credit reporting agencies every 12 months through AnnualCreditReport.com.Get free identity monitoring with Credit Karma here! About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In the first episode of our three part-series “Gen Z & the Debt Trap,” we explore a Credit Karma report that found Gen Z is accumulating debt faster than any other generation. To learn more, we'll meet Kyle Dillon, a 22-year-old Gen Zer who after leaving home to pursue higher education, accumulated tens of thousands of dollars in debt. We also look at a TransUnion study to see how Gen Zers' paychecks can't keep up with inflation, creating dependency on using credit cards. Plus, the St. Louis Federal Reserve shares a surprising advantage Gen Z has over other generations. Tadeo Ruiz Sandoval hosts.  Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode discusses a new feature in QuickBooks Online that offers financing options to customers directly through estimates and invoices. The hosts, Alicia and Hector, initially express concerns about privacy and potential predatory lending practices but later discover that the feature is optional and controlled by the business owner. They speculate on Intuit's motivations for introducing this feature, linking it to their acquisition of Credit Karma and the potential for generating revenue through loan commissions. Hector and Alicia emphasize the need for clear communication from Intuit about new features and encouraging users to check their settings to understand how this feature might affect their business interactions.SponsorsBookkeeping Biz Workshops - https://uqb.promo/bbworkshopMelio - https://uqb.promo/melioThe Small Business Research Institute - https://uqb.promo/ceanow(00:00) - Welcome to The Unofficial QuickBooks Accountants Podcast (00:40) - Exploring Credit Karma in QuickBooks Online (02:40) - Factoring vs. Customer Financing (03:58) - Details of the Financing Offer (07:03) - Fine Print and Terms (26:23) - Privacy Concerns and User Permissions (39:09) - Speculations and Future Implications (43:04) - Conclusion and Final Thoughts Send your Questions/Comments (we could read/answer them on air) ask@uqapodcast.comLinks/Apps Mentioned in this episode:Alicia's article on QuickBooks Expert Assisted Bookkeeping - https://royalwise.com/alicias-thoughts-about-qb-expert-assisted-bookkeeping/Hector's App - RightTool www.righttool.appAlicia's Training - RoyalWise http://royl.ws/uqapodcastAlicia's QBO Products, Services, and Inventory Course - http://royl.ws/qbo-InventoryQuickBooks Connect Conference www.quickbooksconnect.comQuickBooks Tricky Situations: http://royl.ws/QBOtricksNext-Level Accounting: http://royl.ws/NextLevelAccountingCheck out Alicia's step-by-step QBO Textbooks at http://www.questivaconsultants.comThe Comprehensive Guide to Converting from QuickBooks® Desktop (QBDT®) to QuickBooks® Online (QBO®) https://www.amazon.com/dp/B0D8L29Z5LQuickBooks Online: From Setup to Tax Time https://www.amazon.com/dp/B0CXZB1R95Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboardingDownload the Earmark CPE AppApple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.app

Your credit report is like your financial report card: it can really affect your financial future if you're not acing your credit score. Today, a Money Rehabber who isn't happy with their credit score calls up Nicole to get a strategy to improve it. The result? Nicole shows her a tool that could raise her low credit score by an average of 21 points in just three days.   Join today's Money Rehabber and give your credit score some love! If your credit score is 619 or lower, you can sign-up for Credit Builder from Intuit Credit Karma by visiting creditkarma.com/moneyrehab.   Credit Karma is a sponsor of this podcast episode. Credit Builder plan is serviced by Credit Karma Credit Builder and requires a line of credit and savings account provided by Cross River Bank, Member FDIC. Learn more at creditkarma.com/moneyrehab.

Helping the consumer tackle the financial marketplace for credit cards, auto loans, mortgages, insurance and other financial products is the value that Credit Karma brings to its over 130 million customers, says Ryan Graciano, co-founder and chief product officer of Credit Karma. In this episode of the Tech Disruptors podcast, Graciano sits down with Bloomberg Intelligence analyst Niraj Patel to explain the company's technology, product vision and the competitive landscape. Tune in to learn his view on Gen-AI platforms and what's ahead from Intuit's Credit Karma.

Timothy Davis has led performance marketing for all of Shopify for the past 2.5 years, and as a consultant has helped companies like Pinterest, LinkedIn, Redfin, and Eventbrite kickstart and scale their performance marketing teams. In every one of those cases, he got them so performant at paid growth that they significantly scale spend and investment in these channels. In our conversation, we cover:• When and how to start investing in performance marketing• Common mistakes companies make with paid ads• How to build and structure a performance marketing team• How to get your creatives performing better• Strategies for optimizing workflows and team efficiency• How AI will change performance marketing• Much more—Brought to you by:• BuildBetter—AI for product teams• OneSchema—Import CSV data 10x faster• Eppo—Run reliable, impactful experiments—Find the transcript and references at: https://www.lennysnewsletter.com/p/performance-marketing-timothy-davis—Where to find Timothy Davis:• LinkedIn: https://www.linkedin.com/in/timothypatrickdavis/—Where to find Lenny:• Newsletter: https://www.lennysnewsletter.com• X: https://twitter.com/lennysan• LinkedIn: https://www.linkedin.com/in/lennyrachitsky/—In this episode, we cover:(00:00) Timothy's background (02:31) Understanding performance marketing (06:31) The importance of paid search (08:39) Identifying growth potential (09:54) Case studies: Hairstory and Ipsy (12:22) Experimenting with new platforms (18:57) Choosing the right platforms (20:23) LinkedIn for B2B marketing (27:56) When to start investing in paid growth (33:33) Common mistakes in performance marketing (37:41) Working with agencies and consultants (40:36) Hiring for performance marketing (47:33) Metrics that matter (54:43) Competitor analysis and CPC insights (56:15) Custom reports and data visualization(56:38) Understanding impression and click share (59:10) True competition metrics (01:02:14) Attribution and incrementality (01:08:52) Building a performance marketing team (01:10:53) Creative and ad copy collaboration (01:15:48) Managing workload and hiring strategy (01:20:52) Training and onboarding new hires (01:24:41) Impact of ATT on performance marketing (01:25:56) The power of creative in ads (01:29:47) Using AI in performance marketing (01:37:16) Lightning round —Referenced:• Shopify: https://www.shopify.com/• What Is Performance Marketing?: https://www.shopify.com/blog/performance-marketing• Google AI: https://ai.google/• Pinterest: https://www.pinterest.com/• Eventbrite: https://www.eventbrite.com/• Booking.com: https://www.booking.com/• Credit Karma: https://www.creditkarma.com/• Hairstory: https://hairstory.com/• Google Display Network: https://www.semrush.com/blog/google-display-network/• SoftLayer Becomes Part of IBM's SmartCloud: https://www.datacenterknowledge.com/deals/softlayer-becomes-part-of-ibm-s-smartcloud• Coca-Cola Freestyle: https://www.coca-colafreestyle.com/• Monday.com: https://monday.com/• How to sell your ideas and rise within your company | Casey Winters, Eventbrite: https://www.lennysnewsletter.com/p/how-to-sell-your-ideas-and-rise-within• Thinking beyond frameworks | Casey Winters (Pinterest, Eventbrite, Airbnb, Tinder, Canva, Reddit, Grubhub): https://www.lennysnewsletter.com/p/thinking-beyond-frameworks-casey• The Signal and the Noise: Why So Many Predictions Fail—But Some Don't: https://www.amazon.com/Signal-Noise-Many-Predictions-Fail-but/dp/0143125087• Courtney Wenneborg on LinkedIn: https://www.linkedin.com/in/cwenneborg/• PPC Hero: https://www.ppchero.com/• Another Deep Dive into Auction Insights, by Jacob Brown: https://www.ppchero.com/another-deep-dive-into-auction-insights/•Multitouch: https://multitouch.app/• What is time decay attribution?: https://growthmethod.com/what-is-time-decay-attribution/• Linear: https://linear.app/• Consumer Heterogeneity and Paid Search Effectiveness: A Large-Scale Field Experiment: https://faculty.haas.berkeley.edu/stadelis/BNT_ECMA_rev.pdf• ADT: https://www.adt.com/• Shopify Bursts: https://focus.business/blog/shopify-bursts/• The First 90 Days: Proven Strategies for Getting Up to Speed Faster and Smarter: https://www.amazon.com/First-90-Days-Strategies-Expanded/dp/1422188612• Kat Nguyen on Shopify: https://www.linkedin.com/in/katngy/• Dollar Shave Club ad: https://www.youtube.com/watch?v=ZUG9qYTJMsI• The Daily Stoic: 366 Meditations on Wisdom, Perseverance, and the Art of Living: https://www.amazon.com/Daily-Stoic-Meditations-Wisdom-Perseverance/dp/0735211736• Great by Choice: Uncertainty, Chaos, and Luck—Why Some Thrive Despite Them All: https://www.amazon.com/Great-Choice-Uncertainty-Luck-Why-Despite/dp/0062120999• X-Men '97 on Disney+: https://www.disneyplus.com/series/x-men-97/vc1XIz90ZNH5• RRR on Netflix: https://www.netflix.com/title/81476453• The Playlist on Netflix: https://www.netflix.com/title/81186296• Welcome to Wrexham on Hulu: https://www.hulu.com/series/welcome-to-wrexham-c6906d50-d06c-40d1-a57c-1885d9dc2fef• The Billion Dollar Code on Netflix: https://www.netflix.com/title/81074012• Magic Mind: https://magicmind.com/—Production and marketing by https://penname.co/. For inquiries about sponsoring the podcast, email podcast@lennyrachitsky.com.—Lenny may be an investor in the companies discussed. Get full access to Lenny's Newsletter at www.lennysnewsletter.com/subscribe

If you were leaving money on the table… wouldn't you want to know? Today, Nicole speaks to a Money Rehabber who feels like she could level-up her credit card game and find the right card for the cash back perks she's looking for. Join today's Money Rehabber and find the right card for your financial life at: creditkarma.com/moneyrehab. Credit Karma is a sponsor of this podcast episode. Credit Karma's Approval Odds is not a guarantee. Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for the specific card shown or whether you meet certain criteria determined by the lender.

In this episode of Growth Talks, Krystina Rubino chats with Chelsea Cramer, Marketing Analytics Lead at Credit Karma. They dive into the world of marketing analytics, discussing the evolution of marketing tools, the impact of data privacy changes on attribution, and strategies for effective marketing measurement in a privacy-first world.    ⏰ Timestamps 00:00 Introduction to Chelsea Cramer, marketing analytics lead at Credit Karma 01:28 Evolution of marketing analytics landscape with new tools, increased focus on data privacy and complex attribution models 03:57 How to tackle Google's privacy sandbox and the deprecation of third-party cookies 05:34 Effectively measuring data leveraging multiple methodologies 09:55 Importance of message and incrementality testing 20:31 Practical applications of AI in marketing analytics 25:02 Utilizing advanced analytics techniques like media mix modeling and multivariate testing 39:07 Closing thoughts on the future of marketing analytics, emphasizing continuous learning and adaptation to new technologies and methodologies.  

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 2785: Kumiko from TheBudgetMom.com provides a comprehensive guide for managing debt collection. She offers practical steps to assess your financial situation, prioritize payments, and choose the best approach to settle debts. Her advice empowers readers to take control of their finances and work towards rebuilding their credit. Read along with the original article(s) here: https://www.thebudgetmom.com/has-your-debt-been-sent-to-collections-here-are-your-options/ Quotes to ponder: "You can't build a successful plan to deal with debt collectors until you gather the facts about who you owe money to and how much you owe." "Your best bet is usually to save enough money so that you can try to negotiate a debt settlement on your own." "I know what it's like to feel overwhelmed by debt. Yet even as a single mom with limited income, I was able to take control of my budget and start turning my financial life around." Episode references: Credit Karma: https://www.creditkarma.com/ Experian: https://www.experian.com/ AnnualCreditReport.com: https://www.annualcreditreport.com/index.action 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 2785: Kumiko from TheBudgetMom.com provides a comprehensive guide for managing debt collection. She offers practical steps to assess your financial situation, prioritize payments, and choose the best approach to settle debts. Her advice empowers readers to take control of their finances and work towards rebuilding their credit. Read along with the original article(s) here: https://www.thebudgetmom.com/has-your-debt-been-sent-to-collections-here-are-your-options/ Quotes to ponder: "You can't build a successful plan to deal with debt collectors until you gather the facts about who you owe money to and how much you owe." "Your best bet is usually to save enough money so that you can try to negotiate a debt settlement on your own." "I know what it's like to feel overwhelmed by debt. Yet even as a single mom with limited income, I was able to take control of my budget and start turning my financial life around." Episode references: Credit Karma: https://www.creditkarma.com/ Experian: https://www.experian.com/ AnnualCreditReport.com: https://www.annualcreditreport.com/index.action Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey everybody, welcome to the Open Bar Podcast where the conversation is never on the rocks, but it's straight up, no chaser! In this episode, your favorite hosts Tiff and C4 are joined by a special guest, Miss Chal, to dive into a crucial topic: "How to Build Credit Without the BS

Learn more about Michael Wenderoth, Executive Coach: www.changwenderoth.comSHOW NOTES:In this engaging episode of 97% Effective, host Michael Wenderoth sits down with Stefania 'Stef' Mancini, GM and VP of Product at Intuit Canada's Consumer Business. Stef shares why she left a fulfilling career in marketing and advertising, and the transformative steps she took at Intuit that enabled her and her team to achieve three years of unprecedented double-digit growth. We discuss how to take big risks; how to get people excited – even when you miss the mark; and the art of blending authenticity with corporate politics. Stef's got advice for how women can lean in without losing their humanity, more than a few sports analogies -- and even some dark humor, sharing the wisdom gained when she thought about work on her death bed (it's not what you think).Stef had a stellar career – but still wanted to do moreKeys to finding the missing link between where she wanted to be and could be – and where she actually was“Sitting in stagnation [for me] was worse than failure”How Stef pursued and landed her job at Intuit (they move fast!)How Stef was able to build important relationships -- despite not meeting anyone in corporate or on her team in person for her first 18 monthsHow Stef reconciled the dissonance of wanting to be be authentic and direct with “playing politics”Old Stef vs new Stef: how she went from pushing to be right -- to understand what success looks like for someone elseGoing about getting a mentor and sponsor (and the difference between the two)Getting a sponsor: luck of the draw or can you land one without a magical first connection?“Be a racehorse that can deliver”: the building block of being somone that top people will sponsorThe benefits of checking in with no reason, using Slack to let people know you notice themGolf, baseball, formula one, and sports: what Stef means when she says “take big swings”“Take big risks fearlessly”: How Stef took a risk and strong stand that was unpopularPutting Canada on the map: Using a failure to unlock new insights and change the paradigm of what the company could doStef's view on how women can navigate challenges: “Don't just walk away” but think about if changing your approach might yield a different response“If the idea of failure is not the thing that stops you, then everything is an experiment.”The impact of stage 4 cancerOn her deathbed, Stef DID think about work (and how that provided clarity)Delivery is important, but how to package that up in a meaningful wayHow to get people excited, even when you miss the markPeople want to support others – and work for others – that are driving change and making good things happenExecutive Presence: how to bring energy and what most people are afraid to doHow to pronounce Stefania? The hilarious story you will never forgetLightning round! Stef on what non-Canadians need to know about Canada; the next luminary she WILL meet; where to eat in Toronto; and what English lit we should all readWhy it is critical that more women have a seat at the table, as AI shapes the next revolution BIO AND LINKS:Stefania Mancini is General Manager for Intuit Consumer Group Canada, overseeing all product, marketing and revenue generating activities for TurboTax and Credit Karma in Canada. Intuit Consumer Group Canada provides AI enabled technology solutions and professional expert services to help over 5 million Canadians power prosperity. Prior to joining Intuit Consumer Group Canada, Stefania spent two decades in leadership roles at Klick Health, Say Media, Rogers Media, BMO Financial Group and AGF Funds Inc. She holds her degree in English literature and history from the University of Toronto. Stef is a Stage IV cancer survivor and has an amazing blended family, four children, with her husband Anthony.Intuit Canada: https://www.intuit.com/ca/Stef on LinkedIn: https://www.linkedin.com/in/stefaniamancini/Stef featured on Women of Influence: https://tinyurl.com/3ryda7wsStef named as Intuit Canada GM: https://strategyonline.ca/2023/05/18/in-brief-intuits-head-marketer-now-its-gm/Radical Candor concept: https://a.co/d/dXkgspDShe recommends you read Alexander Pope: https://www.poetryfoundation.org/poets/alexander-popeMichael's book, Get Promoted: https://tinyurl.com/453txk74Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Join host Rich Alterman as he chats with Carlos Caro, founder of New Market Growth. Carlos delves into affiliate marketplaces, sharing insights from his journey at Credit Karma and Capital One. Discover how these marketplaces connect consumers with lending products, explore integration strategies, and learn about the opportunities for regional banks and credit unions. Carlos also addresses lenders' concerns about sharing credit policy intellectual property and the rise of emerging credit card issuers. Tune in for a concise guide to optimizing lender models in affiliate ecosystems.

Want to master your sales skills?In this episode of The Business Ownership Podcast I interviewed Amanda Abella. She is a sales expert and the Founder & CEO of Make Money Your Honey. Her clients go from hating sales and marketing to achieving 90% close rates and closing multiple five-figure deals. Her work has been featured in Forbes, Huffington Post, Business Insider, Univision and many more.Prior to teaching marketing and sales, Amanda spent a decade as a financial writer and wrote content for companies like Wells Fargo, Discover, Credit Karma, Santander and more. She's also partnered with companies like Capital One and Transunion in financial education campaigns.She's also the Amazon bestselling author of Make Money Your Honey, a podcast host, award winning content creator, keynote speaker and has created a community of over 60,000 people across social media channels.Learn how to break through traditional barriers and master sales skills. Check this out!Show Links:Free Gift: https://oo229.isrefer.com/go/MichelleNedelecScrip/MichelleNedelec/Make Your Money Your Honey : https://www.amandaabella.com/make-money-your-honey/Amanda Abella LinkedIn: https://www.linkedin.com/in/amandaabella/Book a call with Michelle: https://go.appointmentcore.com/book/IcFD4cGJoin our Facebook group for business owners to get help or help other business owners!The Business Ownership Group - Secrets to Scaling: https://www.facebook.com/groups/businessownershipsecretstoscalingLooking to scale your business? Get free gifts here to help you on your way: https://www.awarenessstrategies.com/

How do you navigate the complexities of the modern housing market? Join us as we sit down with Brian Vieaux, the President and COO of FinLocker, who shares his remarkable journey from the mortgage industry to leading a cutting-edge SaaS platform designed to simplify the home buying process. Brian reveals how FinLocker seamlessly integrates tools like Mint.com, Credit Karma, Rocket Money, and Zillow, offering a cohesive and branded experience for lenders while making homeownership more accessible and less daunting for consumers. Discover the innovative ways this technology is paving the path for first-time homebuyers.  Have you ever wondered what fuels a career pivot from human resources to a thriving sales role in the mortgage industry? Uncover the story of a mortgage professional whose journey was shaped by supportive mentors, a fear of failure, and a passion for homeownership. From their academic background at Michigan State University to the transformative moment that turned a job into a calling, this episode highlights the profound impact of believing in the economic benefits of homeownership and how it shifts sales from mere transactions to delivering substantial consumer value. What does it take to adapt and thrive in the ever-changing mortgage industry? Learn how trust, referrals, and proactive engagement through financial education and social media are becoming pivotal for sales professionals. Brian shares his insights on leveraging LinkedIn for thought leadership, building a personal brand, and maximizing CRM tools to foster meaningful consumer connections. Whether you're a mortgage industry veteran or simply curious about innovative sales strategies, this episode offers invaluable lessons on navigating market fluctuations and enhancing your approach to consumer engagement.  Brian is passionate about financial literacy and empowering lenders with digital financial tools to attract, engage and retain customers. His 30+ years executive career in mortgage banking has positioned him to help lenders execute an embedded finance strategy, transitioning from a transaction focus to one of continuous consumer engagement. Brian began his mortgage banking career with Source One Mortgage, which was acquired by CitiMortgage.  He went on to hold executive leadership roles at prominent lending institutions, most recently leading the TPO business at Flagstar Bank. In 2005, Brian attained the Mortgage Bankers Association industry designation of Certified Mortgage Banker (CMB). Brian is an alumnus of Michigan State University.  Brian is a former RESBOG member and was co-chair of the MBA Wholesale Executive Forum. Currently, Brian is a board member of the Downtown Boxing Gym Youth Program. This non-profit organization has been teaching kids in Detroit's toughest neighborhoods valuable life lessons inside and outside the classroom and boxing ring since 2007.       Quotes: "I'm a huge proponent and fan of the LinkedIn platform. It's worked for me and if you're out there and you're building a sales business as a leader or your job is the frontline sales and especially if you're B2B, I think you need to be on LinkedIn and you need to be, you need to make that part of your job."  "Now, as a loan officer, you have to be really skilled at relationship management, be compassionate and patient and be willing to play a long game of 18 or longer months to earn the right to win the business."  "I don't think there's such thing as a bad CRM. Most of the time when I hear about a bad CRM, it's a bad user of the CRM."    Links: Brian's LinkedIn - https://www.linkedin.com/in/brianvieauxcmb/ FinLocker - https://finlocker.com Rethink Everything: You "Know" About Being a Next Gen Loan Officer - https://a.co/d/0bMomXF   Get this episode and all other episodes of Sales Lead Dog at https://empellorcrm.com/salesleaddog/ 

Intuit's Dave Raggio shares why SMB MediaLabs doesn't own inventory, how it prioritizes privacy for its customers, and the reason consumer and CPG brands are turning to Intuit's data.  Episode TranscriptPlease note, this transcript  may contain minor inconsistencies compared to the episode audio.[00:00:00] Damian: I'm Damian Fowler.[00:00:01] Ilyse: and I'm Ilyse Liffreing[00:00:02] Damian: and welcome to this edition of the current podcast.[00:00:05] Ilyse: This week, we're delighted to bring Dave Raggio to the podcast. Dave is the vice president of S& B Media Labs, a B2B media network owned by Intuit, which is of course known for business products like TurboTax, QuickBooks, Credit Karma, and MailChimp.[00:00:22] Damian: Now Dave developed the idea of SMB Media Lab, which leans on the first party data from the millions of people who use QuickBooks, and it provides small businesses with the intelligence they need to reach their customers across channels like audio and CTV.[00:00:38] Ilyse: We start out by asking Dave about the origins of S& D Media Labs.[00:00:42] : It really came from honestly my personal frustration, in trying to reach SMBs for my, what I'm calling my day job. So, I was hired four years ago, at Intuit to lead QuickBooks acquisition marketing. And I actually still hold that position today. Um, my entire career has [00:01:00] been consumer brand. So I was with North Face before this.[00:01:02] Um, spent a lot of time agency side, working on a variety of clients across CPG and e comm retail. And when I got to, into it, um, I tried to essentially apply the same data sources and tactics that worked very well for me in the, in the consumer world. And it was met very quickly with the reality that SMB data is very hard to find, and when you do find it, the accuracy is just not great.[00:01:28] So, you know, I have a friend, um, that works in the agency that me that at the top you have enterprise level data, which is pretty high quality at the bottom. You have your consumer data, which is abundant and high quality, but between there's a big void and that's pretty much where all S and B data lives.[00:01:49] Um, so it started off. Kind of, it's just a joke internally that I really wish there was a company like QuickBooks that I could partner with and [00:02:00] buy media through that would allow me to find not only the scale of audiences that Intuit has, but also the depth of knowledge about how those, how those businesses are operated and run.[00:02:10] And then that joke kind of became a realization that it is a need for other advertisers that Intuit could very much fill and very uniquely fill as well. Just considering kind of. The breadth and depth of information that we have, um, on, on our small business owners. Um, so that was the start of it. Um, but of course, you know, we wanted to make sure that we were doing it in a way that was beneficial to our customers, um, and done in a privacy safe way.[00:02:38] So that was kind of the start of the journey was just the realization that we had something that advertisers would be interested in, but we also wanted to make sure that it was something that benefited our customers as well.[00:02:47] Damian: That void that you talk about in the middle between enterprise level data and consumer data is quite surprising, isn't it? That there wasn't anything there for those small businesses. I know that 99 percent of all businesses are [00:03:00] SMBs. So that's a huge, uh, yeah, that's a, that's a huge amount of, uh, data that's not being used.[00:03:09] So was it a surprising moment when, when, when you go, when you saw that and you thought, Oh, this is an opportunity.[00:03:15] Dave: Yeah, I, you know, there are small pockets of data where you can get very narrow in, it's just not scalable. So that was the sort of challenge. So you can go to a lot of individual professional sites. But the reality is the world of media is not built around the business that you run, it's built around you as a person.[00:03:31] So stitching those two parameters together, because, you know, as QuickBooks growth, We're looking for specific types of business problems. And, you know, a lot of these small business owners are not active on professional networks. Um, if they have profiles there, they're not looking at them on a regular basis or updating them.[00:03:51] Um, so they, they kind of become. In the shadows, like the S and B part of the data and the targeting capabilities and the need state from the business that they [00:04:00] run sits behind their sort of consumer profiles. So I think it was a surprise when I first joined, but. Logically, after a little while, I was like, okay, that makes sense of why we're not able to find the business traits and qualities that we are able to.[00:04:18] Damian: Yeah, that makes sense. The[00:04:20] Ilyse: Now, how would you go about like describing the value of these small businesses and the data that their advertisers are trying to use to reach this audience?[00:04:31] Dave: Yeah, um, so great question. And there's, there's a couple of different layers of sort of knowledge that we have on our, on our customer base, and we're not unlocking all of those just yet. So we want to, again, going back to the want to do what's right by our customers, we want to make sure that. All the information that we're collecting is something that they would expect us to collect, that they have full control over their ability to participate in this, and that we're only partnering with advertisers that, um, you know, have the best [00:05:00] intent for, for our customers.[00:05:02] With that, uh, we are layering on top of ad buys, data that seems to already exist in the market, but is much more accurate. So that was one of the sort of uphill battles that we've had in the early stages of this. So things like industry, age, revenue, employee count, these are things that on the surface appear to exist in other third party data sources, but You know, again, being on the other side of the buying of this one, I see how wildly off some of those data sources can be and the assumptions that they have about a small business.[00:05:34] So what we're adding on to that is just a very, very, um, deterministic one to one knowledge and accuracy that didn't exist. So we eliminate a lot of waste that comes with using some of the other data providers or even just kind of doing broad market advertising. So that's kind of the main value prop.[00:05:54] That said, we are working with our legal and privacy team. And our [00:06:00] executive sponsor is actually the head of privacy. So that should tell everyone a little bit about how serious we're taking this. But we're also thinking about with our customers, what value can we add to them if we continue to go into what we're calling transactional type data, if we're able to go the next step deeper.[00:06:16] And the reason for that is every business. on the surface may look the same in an industry size employee count, but how they run their business could be very different. So if you're a construction company, that's in the same region as another construction company, roughly same revenue, roughly same employee count doesn't mean that you invest completely different in marketing.[00:06:37] And you may be, Think about your supply chain very differently. What that allows us to do is actually find need states for our customers and be able to pair them with the advertisers that might be able to serve, um, solutions for them in those needs states. And so that's kind of the next wave that we're working on.[00:06:52] It's something that we haven't done yet, but we're hoping to unlock for our advertisers.[00:06:57] Ilyse: Yeah, that's definitely a good example. [00:07:00] Um, I feel like, In a, such a new kind of company like this, and I know you refer to you guys as like a retail media network, although you're not exactly a retail media, um, so it's, it's, it's definitely hard to kind of describe, I would assume, to other B2B businesses exactly what to do and how your like first party data And you essentially use QuickBooks, um, primarily, right?[00:07:27] Um, how they can use that data to their advantage. Is there, like, another example that you can give how, um, advertiser would use your, your media network in order to, like, reach their audience? Heh[00:07:43] Dave: you mentioned that, that, you know, we've, we've been using the term retail media network, but we're, we're very much not a retail media network. So we do not have owned and operated inventory and that's by design. Um, you don't start a business because you're passionate about bookkeeping in most cases.[00:07:55] Um, so we're leaning into as a company, AI and, and, [00:08:00] um, automation to make sure that we're trying to reduce the amount of time that That a customer has to spend in our platforms in order to, um, to get their work done. So throwing ads in there will slow that down. It's not something that, you know, someone that's already paying for subscription would, would want to have that said, there are potentially ways that we've been looking at that. Provide additional value to that. That said by not having owned and operated, I think that we accidentally fell into what I'm calling kind of the next wave of retail media network. So we are more of an audience network that can be layered on to any part of your ad buy that's programmatic. So we have partnerships with the trade desk, with physio, with DV360, with meta, and we We are agnostic to inventory source.[00:08:44] We just allow the advertiser, whatever their KPIs are across the board to just get more efficient and more focused on just the right people. And that's been, um, again, slightly different than what most retail media networks are going, but attending a bunch of [00:09:00] conferences, that seems to be really the hot topic of your own and operated inventory is great.[00:09:04] It is the last. bottom, bottom, bottom of the funnel that you're able to, um, that you're able to really leverage. We are able to address full funnel campaigns with that audience targeting.[00:09:18] Damian: That's very interesting. What kind of advertisers in this space are keen to take advantage of this opportunity to reach these millions of small businesses?[00:09:29] Dave: Yeah, it's so that's been one of the larger surprising things when we started this up. So we built this assuming insurance, banking, credit cards, those would be the The sort of the very close in some of the software SAS providers. Um, that has been very true for us that that's where we're seeing a lot of interest, but we've had a lot of consumer brands coming to us.[00:09:48] There seems to be a wave of interest in small business as a segment for a lot of advertisers. So we've had one of the largest CPG brands approach us. I worked at Method for [00:10:00] a while, so I know firsthand that shipping a bottle of hand soap is very expensive, and it's only a 3 bottle of hand soap, but it's mostly water and fragile, so you're upside down in your e comm costs.[00:10:12] So the area where e comm works really well for CPG brands is concentrates in large formats, and the normal consumer do not want that. It is very profitable to go that direction. Um, so they reached out to us, same thing with one of the largest beverage companies reached out to us cause they want to be in more restaurants, more independent restaurants than the chain restaurants.[00:10:30] So it's been a little surprising across the board of, you know, who's really approached us. Um, and, and some of these non traditional sort of B2B, as you would think about it are really the ones that have a ton of interest.[00:10:42] Ilyse: yeah I must say. It seems like B2B is on like some kind of upward trending line right now. Um, we are seeing like a, an increase across like all channels, I feel like, maybe. Like, um, maybe that's due to like, I don't know, the rise of like [00:11:00] LinkedIn or like, um, just more businesses coming forward. And being created in general, maybe the pandemic even, I don't know, it's, it's curious because I do feel like even like channels like CTV, for instance, there's a lot more like B2B kind of marketing happening.[00:11:16] Is[00:11:16] Dave: Yeah. We're seeing the same thing and we're excited that we're kind of showing up at the right time for that. You know, I think our hypothesis on that is, um, very much correct. There was a small business boom during the pandemic, but a lot of advertisers I think have, have started to kind of run out of scale and saturation that they can have amongst the sort of consumer.[00:11:36] And this is an entirely new audience with tremendous spending power that you can talk about different products that you wouldn't want to put, you know, on a Super Bowl spot. You know, the CPG brand is not going to run a large format concentrate ad in the Super Bowl, but there's now a new path and a new audience that is kind of untapped.[00:11:54] And we're also seeing that also in the marketing space. So a lot of the major social networks and ad providers. [00:12:00] Their next target is all the S and B's because they've got so much share of wallet amongst the enterprise level brands that their, their next growth area is going to have to come from the long tail of S and B's.[00:12:10] Um, so we're happy because we truly feel like we are the most accurate and best way to reach those S and B's. Um, so we're, we're hoping that, that, you know, everything kind of comes together.[00:12:20] Damian: Is there a, is there some kind of nuance in terms of the channels that advertisers trying to reach businesses use versus, you know, more traditional, you might say consumer channels? I mean, they're obviously consumers. are also business owners and business owners are consumers. But is there a different sort of way that you're thinking or the advertisers are thinking about leveraging, um, the data that you're providing?[00:12:48] Dave: We've not seen that. So kind of going back to the challenge that brought this whole thing to life is that The the line between them as a small business owner and them is just a person [00:13:00] is almost indistinguishable between the two of those. So The nice thing is because it's programmatic wherever they happen to be We're able to find them and able to serve them relevant advertising at that point I think that Um, it really the, the majority of channel selection will come down to the objective of the campaign.[00:13:22] So we had a major global logistics company that was very focused on brand advertising and we were running them on connected TV with Vizio. We were running them on some digital video formats. We had another SaaS provider that was very focused on cost per leads. And we. Much heavier on the social and programmatic, uh, display side of things.[00:13:41] So it's really more of what's the objective dictates kind of the channel mix itself. But, um, in terms of are there subtle nuances or specific places we go? Not really. We kind of just follow, follow the sort of, um, friends that we're seeing with the, with those small business [00:14:00] owners.[00:14:00] Damian: Totally makes sense.[00:14:01] Ilyse: Now, you've described SMB MediaLabs as the next wave of retail networks, which is very interesting. I like that kind of quote right there. Um, you've also said it's like a more open network than some others. Can you describe why that is?[00:14:20] Dave: Yeah, so I would say we're not the next wave. I think that we are ahead and riding the next wave. So I don't say that we are defining it by any means, but, um, we were open in the fact that we're not relying on our own inventory. So we can go. Pretty much anywhere. Um, and if an advertiser comes to us and they have a specific DSP that they really want to work with, we can onboard those DSPs if they're not already in our network.[00:14:44] So a big part of our, of our product is really making sure that we have the largest breadth of inventory sources and partnerships available, that we can develop campaigns in partnership with the advertiser and the agencies that actually, um, can [00:15:00] span wherever they believe that their customers are, whatever their objectives are.[00:15:03] So that's, that's the open part. Of what we're doing. Um, and because of that also, like there's just easier capabilities for them to, to measure it because they're already using a lot of the DSPs and platforms that they're, they're using for their normal campaign. So we're not any sort of walled garden that has hidden metrics behind the scene, which I know is also, you know, a challenge for a lot of retail media networks as well.[00:15:26] Ilyse: That's awesome. How do you, going about your own advertising for this network, how are you basically scaling it?[00:15:34] Dave: Getting the word out and, uh, getting people to, uh, to, to try it. So we have had, um, I think we're, we're in, in month eight now, and we've had a number of large advertisers come in the data's, the data and the audience targeting is performing extremely well, that is something that, um, was a concern of mine going in that, you know, a, is there enough people that are interested in S and B's and we already [00:16:00] talked about how that, you know, You know, has been something that we've been able to check that box and say, yes, there is a ton of interest from advertisers across the board.[00:16:07] The second one was, have I convinced myself that our audience quality is as good as it is. Um, and the data that's come in as, as shown that it's, it's performing extremely well, both on brand metrics and on cost per action. So, uh, our goal right now is to just have as many conversations and just do as many tests as possible.[00:16:26] And let the advertiser see how well it performs comparatively to other things.[00:16:31] Damian: I guess the next question would be how well does it perform? You know, what kind of data insights are you getting back to provide to advertisers?[00:16:39] Dave: Yeah, so, uh, we are seeing so we've done some disco studies on brand ones, and we're seeing on average 30 to 40 percent increase in brand metrics, which is huge. That was not that's actually outside of what we anticipated and hoped for on that one. And I think probably the big one was when we've run some cost per lead campaigns for SAS [00:17:00] cloud service.[00:17:01] We cut their CPLs by 75%. So just eliminating the inaccuracy and focusing your spin on deterministic direct connections with those advertisers or with those, with those customers as has worked extremely well.[00:17:18] Damian: Yeah, that's a high fidelity audience. I, I, I like that phrase.[00:17:23] Damian: I guess we have to have a question about ai, right? We have to talk about ai.[00:17:44] Um, you know. In April, Intuit introduced an AI assistant to its core product. Products, I should say, um, in TurboTax. It's going to shorten the time to file taxes, credit karma, users [00:18:00] get personalized financial information advice, I should say, and users can generate marketing content in MailChimp. You know, how are you and SMB Media Labs using AI?[00:18:09] Yeah,[00:18:13] Dave: we built, we are a managed service. So we are doing the buys and executing for the time being. That is something that is very difficult to scale because for us it is kind of core to Google. Make sure that the, that the media that we're buying, not only is targeted, but it's performing.[00:18:29] So there's a lot of optimizations that we want to be able to make recommendations on and act on. Uh, it's hard to do that. You know, our goal is to have hundreds of advertisers. You can't optimize hundreds of advertisers. So there are tools that we are bringing on board that actually use AI to understand how the various campaigns are performing, are able to serve up some sort of triggered recommendations based off of that.[00:18:51] Um, and that allows our team to scale and really make sure that everything that we're doing is. hitting the benchmarks and exceeding the benchmarks that we want them to do [00:19:00] across all of our advertisers.[00:22:09] Damian: One question I guess from that is, you know, the actual marketing of the SMB, uh, the actual marketing of SMB MediaLabs, how do you think about that?[00:22:21] Dave: Uh, well, the marketing of SMB Media Labs is a lot of. Conversations like this. Um, so I'm a little bit on a podcast tour. I am, I'm going to be at Cannes. So we do have a space in the media link to a can where we're going to be having a number of meetings, speaking engagements. Um, it's, it is different enough that it does require a little bit of explanation and, you know, in full transparency, there's an added hurdle that as it stands now, we are a managed service.[00:22:45] So, um, it is. It adds complexity to what a traditional we are not doing the model where we just park our data and anyone can go and pull it like through a marketplace. We still have to control. And that's that's because we want to have the highest bar possible for how we [00:23:00] control our data. So it just takes more conversations.[00:23:03] But, uh, You know, we are doing some programmatic media buying and we're doing some digital out of home in the elevators of a lot of the major agencies in New York City. So we're, we're trying to really focus in on, on both the agencies and the advertisers that would be interested in something like this.[00:23:19] Damian: And that's it for this edition of The Current Podcast. We'll be back next week, so stay tuned.[00:23:24] Ilyse: The current podcast theme is by Love and Caliber. The current team includes Cat Vessey and Sydney Cairns.[00:23:30] Damian: And[00:23:30] remember I'm Damian.[00:23:32] Ilyse: I'm Elise.[00:23:33] Damian: And we'll see you next time. And if you like what you hear, please subscribe and leave us a review.[00:23:38] Also, tune in to our other podcast, The Current Report.

Today we're talking to Ryan Graciano, CTO & Cofounder at Credit Karma. We discuss what Ryan's been up to since his first appearance on the podcast, the ways in which Credit Karma is restructuring alongside the rise of AI, and how new technology is revolutionizing the accessibility of financial advisory. All of this right here, right now, on the Modern CTO Podcast!  To learn more about Credit Karma, check out their website here. Have feedback about the show? Let us know here. Produced by ProSeries Media. For booking inquiries, email booking@proseriesmedia.com

Proverbs 27:12 reads, “The prudent sees danger and hides himself, but the simple go on and suffer for it.”The word “insurance” isn't in the Bible, but it does say that it's wise to protect your financial holdings—and insurance is one way to do that.Understanding Essential Insurance PoliciesInsurance is a fundamental aspect of financial planning. For most of us, unless we have vast wealth diversified across numerous investments, insurance serves as a critical safety net. So, what insurance policies are necessary?Auto and Home InsuranceAuto insurance is generally required by law if you own a vehicle. Homeowners insurance is mandatory if you have a mortgage and advisable even if you don't. Bundling these two can save money, and adding an umbrella policy provides extra liability protection for a modest cost.Renters InsuranceRenters insurance is often overlooked but vital for protecting personal property and covering liability. It's affordable, typically under $200 annually.Health InsuranceHealth insurance is a must. Without insurance, the costs of medical care can be astronomical, making health coverage a crucial safeguard.Life InsuranceLife insurance is necessary if someone depends on your income. Consider term life insurance over whole life, especially when downsizing your policy later in life.Long-Term Care InsuranceLong-term care insurance is vital for those in their 50s and beyond. With most seniors needing some form of long-term care, this insurance can prevent financial ruin.Long-Term Disability InsuranceThis insurance protects your income if you're incapacitated. Premiums are typically a small percentage of your annual salary.Insurance to AvoidTitle theft insurance and identity theft insurance can be redundant. Instead, monitor your credit through free services like Credit Karma, Credit Sesame, or AnnualCreditReport.com and freeze it if needed. Title insurance, on the other hand, is crucial when purchasing a home.By strategically selecting the right insurance policies, you can protect yourself and your family against unforeseen events while avoiding unnecessary expenses.On Today's Program, Rob Answers Listener Questions:My wife and I sold our house in 2018 before the pandemic and we were living overseas for a while. Now that we're back, we're renting a home from some friends at a below-market price of $1100 a month. We have four kids, and it's a bit cramped in the three-bedroom, one-bath house. With the rising housing prices and interest rates, we're not sure if we should keep saving for a larger down payment on a $300,000 home or buy now with the 20% down payment we have. What do you think we should do - keep renting to save more or buy now, even with the high interest rates?I'm 56 years old and currently receiving Social Security disability benefits. Will the monthly amount I receive now change when I turn 67 and start receiving regular Social Security retirement benefits?I purchased a home in Dyer, Indiana, with a balance of $310,000, and I put a substantial amount down, so now I owe $173,338. My current monthly mortgage payment is $577, with $31.92 to the principal and $101.47 to the interest. I have substantial savings to pay off the remaining balance of $173,338. Given that I have the money and the interest rate on the loan is 7%, should I pay off the mortgage now or hold on to the cash for another year?Resources Mentioned:AnnualCreditReport.comCredit KarmaCredit SesameRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In This Episode This week on Breaking Banks, we feature an episode from sister podcast EMERGE Everywhere. Is artificial intelligence the key to providing personalized financial advice for all? While companies like Credit Karma are tapping into AI's vast potential to help customers manage their money, the technology also raises weighty questions about how to use it responsibly. In this episode, Jennifer Tescher, host of EMERGE Everywhere speaks with Credit Karma CEO Ken Lin about how the company has embedded AI into its solutions, the biggest opportunities and challenges right now, and what an AI-enabled future might look like.

A recent study done by Credit Karma found that nearly one-third of Americans grapple with money dysmorphia— a state of distorted perception of one's financial health, caused by the relentless comparison with depictions of wealth online. Today, Nicole unpacks the biggest source of this condition and how we can cure it ourselves.

This week, both of our financial besties are joined by Vivian Tu, who left Wall Street and her role as a JP Morgan trader due to burnout. Embracing a new chapter in the media space, she carried over her financial expertise to build a unique career path. Vivian now offers fun, easily digestible financial advice on social media, aiming to transform "finance into fun-ance" and create an atmosphere where she's simply chatting with friends on a couch. Her engaging approach has led to partnerships with prominent brands like MetLife, Rent the Runway, Credit Karma, Invesco, and Wealthfront. Vivian is represented by WME and is preparing to launch her first book, "RICH AF," with Portfolio in 2024. She was also featured at No. 50 on Forbes' inaugural Top Creators List in 2022. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.

This week, both of our financial besties are joined by Vivian Tu, who left Wall Street and her role as a JP Morgan trader due to burnout. Embracing a new chapter in the media space, she carried over her financial expertise to build a unique career path. Vivian now offers fun, easily digestible financial advice on social media, aiming to transform "finance into fun-ance" and create an atmosphere where she's simply chatting with friends on a couch. Her engaging approach has led to partnerships with prominent brands like MetLife, Rent the Runway, Credit Karma, Invesco, and Wealthfront. Vivian is represented by WME and is preparing to launch her first book, "RICH AF," with Portfolio in 2024. She was also featured at No. 50 on Forbes' inaugural Top Creators List in 2022. Learn more about your ad choices. Visit podcastchoices.com/adchoices