
Retargeting is one of the most powerful but misunderstood tactics in digital marketing. Too often, it's broken and marketers don't even know it.
In this episode, I sit down with Paul Kovalski, head of marketing at Self Financial and host of the Efficient Spend podcast. Paul has driven more than $200M in revenue through paid media, and he brings a unique perspective on what really works in retargeting.
We talk about:
• The difference between paid and unpaid retargeting
• Why incrementality is the key metric that most marketers miss
• How fintech retargeting is different from retail or e-commerce
• Why sometimes education beats the hard sell
• The role of automation, MMPs, CDPs, and real-time audience updates
• The hidden risks of “set it and forget it” automated campaigns
If you’ve ever wondered whether your retargeting spend is truly moving the needle — or just padding platform reports — this conversation is for you.
00:00 Introduction to Marketing and Retargeting
00:29 Meet Paul Kovalski
01:34 The Goal of Retargeting in FinTech
01:58 Paid vs. Unpaid Retargeting Strategies
04:05 Infrastructure for Paid Retargeting
05:38 Effective Messaging and Creative Strategies
07:01 Measuring Incrementality in Retargeting
08:16 Challenges and Considerations in Retargeting
10:10 Impact of iOS Changes on Retargeting
11:51 Conclusion and Final Thoughts
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