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IIRC, it was bribery from the Medici banks that won the election for Giovanni de Medici as Pope Leo X. Leo was pretty much the worst person to be pope at that time (although this might be more apparent in hindsight), given the whole Martin Luther crisis during his pontificate.
Were there any other frontrunners in the 1513 election? Who? Could they (had they had the funds or Giovanni/Leo was deemed too young) have been elected?
P.S.: my idea is that Cesare Borgia survives his OTL death in 1507 by fleeing to France instead of Spain in 1503 (IDK why he didn't do that OTL) and manages to survive at least until the League of Cambrai War is over. Julius II and the French king have yet another issue to bicker about (Julius' dislike of the Borgias etc) when they fall out.