Despite all of the critical comments on here, mass marketing does work for some products. Especially high margin products with a general mixed-income user base... such as a financial loan company.<p>The company is run by someone experienced in running big corp financial loans:<p>&gt; SoFi is run by CEO Mike Cagney, a former Wells Fargo executive and specializes in refinancing student loans for qualified millennials as well as personal loans.<p>So I&#x27;m sure he&#x27;s at least somewhat familiar with the ROI from this type of ad. Although I fear he&#x27;s playing big corp marketing game with a small-time company. $5m in the right hands could be much better spent elsewhere but some companies lack the creativity&#x2F;talent to do that effective hit-the-streets type of startup marketing.<p>So why not write a single big pay cheque to solve a big hard problem?