460) Banking’s Innovator’s Dilemma: What Got You Here Won’t Get You There

Let’s be honest—too many financial brands are still operating like it’s 1999. Websites stuck in the past. Strategies rooted in branch-first thinking. Growth models that haven’t evolved with consumer expectations. In this reboot of Banking on Digital Growth, host James Robert Lay is joined by new co-host Derik Krauss, co-founder of MetriFi, for a no-holds-barred conversation about what it really takes to lead in a digital-first world.

If you're tired of hearing "digital transformation" without seeing real action, this episode is your wake-up call. From the hidden cost of digital blind spots to the hard truth of The Innovator’s Dilemma, James and Derik unpack how banks and credit unions can escape outdated thinking—and why the website must be the starting point.

Join us as we discuss:

-The Pre-Internet Mindset in Financial Institutions

-Personal Banking Preferences and Generational Differences

-The Innovator's Dilemma in Financial Services

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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