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Fintech Growth Insider

Julien Brault
Wealthsimple
Credit Karma
Emma
Canada
Direct Mail
Brand Marketing
Blossom Social
Affiliate Marketing

A show where fintech founders and marketers reveal the secrets they used to achieve breakneck growth. www.fintechgrowthinsider.com

PublishesInfrequentlyEpisodes4Founded7 months ago
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MarketingBusinessTechnology

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Artwork for Fintech Growth Insider

Latest Episodes

Edoardo Moreni grew up in Rome in a family that was not exactly entrepreneurial. His mom worked at an airline and his dad for Italy’s post company. And while they were always supportive of his ambition, they were mockingly calling him by the nickname... more

When Carlos Caro joined Credit Karma in 2016, the company had 50 million members and was generating $500 million a year. By the time he left, in 2020, Credit Karma had grown to 110 million members and nearly a billion dollars in revenue and was sold ... more

I‘m Julien Brault and on the show today, how Maxwell Nicholson, CEO and co-founder of Blossom Social, built a social network for investors with over 160,000 monthly active users, 3.8 million dollars in annual revenue and a weekly newsletter that gene... more

Born in Belgium, Wealthsimple’s Chief Growth Officer Simon Lejeune wanted to be a journalist growing up. His parents did not think it was a great idea, and Simon decided to study business engineering to keep his parents happy, with the secret goal of... more

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Recent Guests

Edoardo Moreni
CEO and co-founder of Emma
Emma
Episode: Edoardo Moreni Reveals How Budgeting App Emma Reached Profitability Thanks to a Paywall and Social Ads
Carlos Caro
Former VP of Credit Cards at Credit Karma
Credit Karma/New Market Growth
Episode: Carlos Caro Reveals How Credit Karma Turned Free Credit Scores Into a Billion Dollar Business
Maxwell Nicholson
CEO and co-founder of Blossom Social
Blossom Social
Episode: Maxwell Nicholson Reveals Why He Abandoned His Brokerage Plans to Build a Social Network
Simon Lejeune
Chief Growth Officer at Wealthsimple
Wealthsimple
Episode: Simon Lejeune Reveals How Wealthsimple Reached $100B In Assets in 10 Years

Chart Rankings

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Apple Podcasts
#184
Brazil/Business/Marketing

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Talking Points

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Carlos Caro Reveals How Credit Karma Turned Free Credit Scores Into a Billion Dollar Business
Q: What was Credit Karma's growth strategy and what drove the big inflection point after 2012?
Brand marketing became the secret sauce, with experiments in YouTube and programmatic TV leading to cheaper, high-impact visits and a strong lift in memberships, creating an inflection in growth.
Carlos Caro Reveals How Credit Karma Turned Free Credit Scores Into a Billion Dollar Business
Q: As a VP Credit Karma, what was the scope of your role and what was your main KPI?
The KPI was top-line revenue and the role centered on managing all lender partnerships and ensuring lenders felt good about the ROI they were getting on the platform.
Edoardo Moreni Reveals How Budgeting App Emma Reached Profitability Thanks to a Paywall and Social Ads
Q: What is the plan for US and Canada?
US is the next logical step due to improved bank integrations (e.g., Plaid partnerships), with Canada still facing some bank authentication challenges; meanwhile Emma plans to gradually roll out more features in those markets.
Edoardo Moreni Reveals How Budgeting App Emma Reached Profitability Thanks to a Paywall and Social Ads
Q: What is the current marketing mix and where is growth coming from today?
They rely on paid socials (Meta and TikTok) with video ads and a seven-day free trial to accelerate payback, while maintaining strong organic growth through targeted keyword search and brand recognition over time.
Edoardo Moreni Reveals How Budgeting App Emma Reached Profitability Thanks to a Paywall and Social Ads
Q: How did you approach monetization, and when did you decide to paywall?
They experimented for years, initially considering subscription, then other revenue streams, and finally settled on subscriptions as the core model, with paywalling bank connections as the pivotal decision around 2020-2021.

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Fintech Growth Insider launched 7 months ago and published 4 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Fintech Growth Insider?

Recent guests on Fintech Growth Insider include:

1. Edoardo Moreni
2. Carlos Caro
3. Maxwell Nicholson
4. Simon Lejeune

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