{"id":51994,"date":"2025-04-16T15:30:31","date_gmt":"2025-04-16T19:30:31","guid":{"rendered":"https:\/\/www.dailypay.com\/?p=51994"},"modified":"2025-04-16T15:31:46","modified_gmt":"2025-04-16T19:31:46","slug":"91-michael-spelfogel-co-founder-president-cardless-taped-live-at-money-20-20-2024","status":"publish","type":"post","link":"https:\/\/www.dailypay.com\/resource-center\/podcasts\/91-michael-spelfogel-co-founder-president-cardless-taped-live-at-money-20-20-2024\/","title":{"rendered":"91: Michael Spelfogel, Co-Founder &amp; President, Cardless | Taped Live at Money 20\/20 2024"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"51994\" class=\"elementor elementor-51994\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a94bec4 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a94bec4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e29d468\" data-id=\"e29d468\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4da6a40 elementor-widget elementor-widget-html\" data-id=\"4da6a40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe allow=\"autoplay *; encrypted-media *; fullscreen *; clipboard-write\" frameborder=\"0\" height=\"175\" style=\"width:100%;max-width:660px;overflow:hidden;border-radius:10px;\" sandbox=\"allow-forms allow-popups allow-same-origin allow-scripts allow-storage-access-by-user-activation allow-top-navigation-by-user-activation\" src=\"https:\/\/embed.podcasts.apple.com\/us\/podcast\/91-michael-spelfogel-co-founder-president-cardless\/id1524098995?i=1000703749214\"><\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1c4d7b6\" data-id=\"1c4d7b6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8c921bb elementor-widget elementor-widget-text-editor\" data-id=\"8c921bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dive into the evolving world of credit cards with Michael Spelfogel, co-founder and president of Cardless. Spelfogel discusses how Cardless is revolutionizing the co-branded card space by enabling brands to launch and scale credit card programs at unprecedented speeds. He also shares insights on the impact of AI on customer experience and underwriting, the growing trend of buy now, pay later, and the future of credit in an increasingly digital economy. Plus, hear about his unique approach to competitive analysis: owning 300 credit cards.<\/p>\n<p>1:44: Cardless&#8217;s unique approach to credit card platforms.<\/p>\n<p>3:49: The origin story of Cardless and its data-driven approach.<\/p>\n<p>12:30: The intersection of credit cards and buy now, pay later trends.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Dive into the evolving world of credit cards with Michael Spelfogel, co-founder and president of Cardless. Spelfogel discusses how Cardless is revolutionizing the co-branded card space by enabling brands to launch and scale credit card programs at unprecedented speeds. He also shares insights on the impact of AI on customer experience and underwriting, the growing<a class=\"read-more\" href=\"https:\/\/www.dailypay.com\/resource-center\/podcasts\/91-michael-spelfogel-co-founder-president-cardless-taped-live-at-money-20-20-2024\/\">Read More<\/a><\/p>\n","protected":false},"author":32,"featured_media":51995,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[299],"tags":[],"class_list":["post-51994","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-podcasts"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>91: Michael Spelfogel, Co-Founder &amp; President, Cardless | Taped Live at Money 20\/20 2024 - DailyPay<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dailypay.com\/resource-center\/podcasts\/91-michael-spelfogel-co-founder-president-cardless-taped-live-at-money-20-20-2024\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"91: Michael Spelfogel, Co-Founder &amp; President, Cardless | Taped Live at Money 20\/20 2024\" \/>\n<meta property=\"og:description\" content=\"Dive into the evolving world of credit cards with Michael Spelfogel, co-founder and president of Cardless. Spelfogel discusses how Cardless is revolutionizing the co-branded card space by enabling brands to launch and scale credit card programs at unprecedented speeds. He also shares insights on the impact of AI on customer experience and underwriting, the growingRead More\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.dailypay.com\/resource-center\/podcasts\/91-michael-spelfogel-co-founder-president-cardless-taped-live-at-money-20-20-2024\/\" \/>\n<meta property=\"og:site_name\" content=\"DailyPay\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/dailypay\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/trydailypay\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-16T19:30:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-16T19:31:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.dailypay.com\/wp-content\/uploads\/TheSource-EP91-thumb.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"DailyPay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@dailypay\" \/>\n<meta name=\"twitter:site\" content=\"@dailypay\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"DailyPay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"91: Michael Spelfogel, Co-Founder &amp; President, Cardless | Taped Live at Money 20\/20 2024 - DailyPay","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.dailypay.com\/resource-center\/podcasts\/91-michael-spelfogel-co-founder-president-cardless-taped-live-at-money-20-20-2024\/","og_locale":"en_US","og_type":"article","og_title":"91: Michael Spelfogel, Co-Founder &amp; President, Cardless | Taped Live at Money 20\/20 2024","og_description":"Dive into the evolving world of credit cards with Michael Spelfogel, co-founder and president of Cardless. Spelfogel discusses how Cardless is revolutionizing the co-branded card space by enabling brands to launch and scale credit card programs at unprecedented speeds. He also shares insights on the impact of AI on customer experience and underwriting, the growingRead More","og_url":"https:\/\/www.dailypay.com\/resource-center\/podcasts\/91-michael-spelfogel-co-founder-president-cardless-taped-live-at-money-20-20-2024\/","og_site_name":"DailyPay","article_publisher":"https:\/\/www.facebook.com\/dailypay","article_author":"https:\/\/www.facebook.com\/trydailypay\/","article_published_time":"2025-04-16T19:30:31+00:00","article_modified_time":"2025-04-16T19:31:46+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/www.dailypay.com\/wp-content\/uploads\/TheSource-EP91-thumb.jpg","type":"image\/jpeg"}],"author":"DailyPay","twitter_card":"summary_large_image","twitter_creator":"@dailypay","twitter_site":"@dailypay","twitter_misc":{"Written by":"DailyPay","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.dailypay.com\/resource-center\/podcasts\/91-michael-spelfogel-co-founder-president-cardless-taped-live-at-money-20-20-2024\/#article","isPartOf":{"@id":"https:\/\/www.dailypay.com\/resource-center\/podcasts\/91-michael-spelfogel-co-founder-president-cardless-taped-live-at-money-20-20-2024\/"},"author":{"name":"DailyPay","@id":"https:\/\/www.dailypay.com\/#\/schema\/person\/0dc5e72435b747402bdc50b62513acd9"},"headline":"91: Michael Spelfogel, Co-Founder &amp; 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