Ep. 45 | Affordability & Creditworthiness w/ Spencer Slade, PTS
Release Date: 03/13/2023
The Payments Update w/ Steve Murphy, PayNearMe
AFSA Extra Credit Podcast
In this episode of the AFSA Extra Credit Podcast, we’re chatting with Steve Murphy, Director of Marketing with PayNearMe, who you may know as the sponsor of the puppies at AFSA conferences. Did you also know they do payments? Technology and the payments industry is moving so quickly that it’s important to sit down and take an overview of the state of play every now and again. Steve and I talk about how customers are using payments technology, what their expectations are and how regulatory considerations are making things more complicated. We also take a bit of a detour to chat about AI and...
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Advances in Contracting w/ Dustin Wesner
AFSA Extra Credit Podcast
In this episode of the AFSA Extra Credit Podcast, we’re joined by Dustin Wesner, Vice President of Product Management with Odessa. With more than 25 years of auto experience, Dustin knows a thing or two about contracting and works closely with Odessa clients to joins us to share his best practices for contracting in 2024 and how lenders can alleviate bottlenecks and level up the customer purchase journey. Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got...
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AI - Boon or Bust?
AFSA Extra Credit Podcast
In this episode of the AFSA Extra Credit Podcast, we’re joined by David Ralstin, Vice President, Chief Information Security Officer for Allied Solutions. His role provides governance, accountability, and trusted advisory services for technology risk management and information security controls at Allied. Artificial intelligence has been around as a technology since the 1950's, and its most recent development with generative AI (GenAI) tools like ChatGPT, Gemini, and Copilot have thrust decades of research into the spotlight. Just like any tool, attackers can and have been using GenAI tools...
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Industry Icon #9 | Suzi Straffon, Allied Solutions
AFSA Extra Credit Podcast
The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features , Director, Finance Company Markets with Allied Solutions Suzi has had a successful career because of her tenacity and importance she places on learning, particularly from her mentors. She chats with Danielle Fagre Arlowe, SVP of AFSA, on how she ended up in the industry, who her influences are, and touches on the importance of having a mentor. ------- Don’t forget to follow AFSA on Twitter and and on . The...
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Industry Icon #8 | Rochelle McClanahan, Brundage Management/Sun Loan
AFSA Extra Credit Podcast
The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features , Chief Financial Officer/Compliance Officer with Brundage Management/Sun Loan. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and touches on the importance of having a mentor.
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Industry Icon #7 | Lisa Verdun, Point Perdictive
AFSA Extra Credit Podcast
The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features , Senior Fraud Consultant with Point Predictive. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and where she sees the industry in the next decade.
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Industry Icon #6 | Ginger Herring, 1st Franklin Financial
AFSA Extra Credit Podcast
The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features Ginger Herring, President & CEO of 1st Franklin Financial. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and where she sees the industry in the next decade.
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Industry Icon #5 | Darcy Locke, ACI Worldwide
AFSA Extra Credit Podcast
AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features , Vice President, Head of Consumer Finance Sales with ACI Worldwide. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and where she sees the industry in the next decade. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or...
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Industry Icon #4 | Mara McNeill, Toyota Financial Savings Bank
AFSA Extra Credit Podcast
AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features President & CEO of Toyota Financial Savings Bank. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and about her three careers - military, legal and then financial services - have shaped her views. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most...
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Industry Icon #3 | Marguerite Watanabe, Connections Insights
AFSA Extra Credit Podcast
AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features President, Connections Insights. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and the importance of knowing your value. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please...
info_outlineAffordability and creditworthiness are two key factors - really the two key factors - that determine whether Americans can get access to the credit they need. Unfortunately, rate caps have made affordable credit, especially those who have a challenging credit report, far more difficult to get in many locations.
In this episode of the Extra Credit Podcast, Dan Bucherer chats with Spencer Slade of PTS Financial Services about both of these factors and how lenders need to adapt to continue to reach their customers. PTS offers a vairety of different products that help lenders and consumers alike, like GAP protection, auto club memberships and tax services.
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Don’t forget to follow AFSA on Twitter @AFSA_DC and @AFSA_SGA and on Linkedin. The blog at afsaonline.org is also a great resource for the most up-to-date news.
If you’ve got questions or you’d like to suggest a guest, please shoot us an email at [email protected] or tweet at us.