

Banking on Digital Growth
James Robert Lay
If you’re part of a financial brand marketing, sales, or leadership team, you know the entire industry is in the midst of exponential change fueled by new technologies. Consumers now make purchase decisions long before they walk into a physical branch location, if they walk into a branch at all, while mobile banks, digital lenders, and fintechs have transformed traditional growth models rooted in legacy broadcast marketing and branch sales strategies.Get ready to gain practical insights, proven ideas, and empowering inspiration as financial brand marketing and sales leaders, along with the leading digital marketing and sales technology firms, share their stories to help you maximize your digital growth potential here on Banking on Digital Growth.
Hosted by Ausha. See ausha.co/privacy-policy for more information.
Hosted by Ausha. See ausha.co/privacy-policy for more information.
Episodes
Mentioned books

Mar 29, 2022 • 39min
180) #ExponentialInsights - The Year of Small Giants: Valuing Organizational Excellence over Scale
A note for employees that have worked for an organization for an extended period of time: Customers don’t have the same expertise as you do within your company.
They don’t know the latest deals, discounts, or bundling that you know off the top of your head. It’s why it’s so important to engage with customers. Otherwise you’re missing out on the opportunity to provide additional solutions your consumers aren't aware they need.
And Patti Mara, Author of UpSolutions - Turning Your Teams into Heroes and Customers into Raving Fans at Maranet Inc., is here to share her knowledge of customer excellence.
Join us as we discuss:
Launching a book & focusing on helping the customer
Expansion opportunities for the deal listeners
What it means to up-solution
The role internal teams play & intrapreneurship
You can find this interview, and many more, by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here.Hosted by Ausha. See ausha.co/privacy-policy for more information.

Mar 28, 2022 • 29min
179) #ExponentialInsights - How to Teach Kids Sound Financial Habits
After graduating from high school, most schools have taught us what the insides of a frog looks like or that mitochondria is the powerhouse of the cell…
But how many teach taxes or investment strategies?
For Chad Willardson, Founder and President at Pacific Capital and author of Smart, Not Spoiled, sound financial habits begin early — and the financial brands who help kids learn are poised to gain loyal, life-long customers.
Join us as we discuss:
The challenges parents face when teaching financial literacy
The best ways to inculcate sound financial habits in kids
Why learning to earn is as important as learning to manage money
You can find this interview, and many more, by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here.Hosted by Ausha. See ausha.co/privacy-policy for more information.

Mar 22, 2022 • 51min
178) #ExponentialInsights - A Guide to Becoming Digitally Driven
Most businesses today need dramatic digital transformation in order to continue to be successful. They may have adapted to e-commerce, but they aren’t truly digitally driven.
Howard Tiersky, CEO at FROM, The Digital Transformation Agency, joins the show to share lessons from his latest book, Winning Digital Customers, about overcoming enterprise resistance to digital transformation.
Join us as we discuss:
What went awry with Toys“R”Us
The 3 stages of digital evolution
Tips for overcoming disruption caused by transformation
Check out these resources we mentioned:
Winning Digital Customers by Howard Tiersky
What the Bible Teaches About Digital Transformation
You can find this interview and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here.
Listening on a desktop & can’t see the links? Just search for Banking on Digital Growth in your favorite podcast player.Hosted by Ausha. See ausha.co/privacy-policy for more information.

Mar 21, 2022 • 45min
177) #Exponential Insights - Digital Transformation Begins with Purpose
You look at your digital strategy and think: We have a clarity problem.
To solve it? Choose one area of massive opportunity where you can deliver on your brand promise.
Today, Baron Conway, SVP, Head of Digital and Product Management at NuVision Federal Credit Union, joins the show to explain how to implement digital transformation in bite-sized chunks and why success means understanding your organizational purpose.
Join us as we discuss:
Why digital transformation is so closely linked to purpose
Implementing digital change in small, manageable stages
The role of teamwork and collaboration in digital transformation
Why courage and listening to the customer are essential
You can find this interview and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here.
Listening on a desktop & can’t see the links? Just search for Banking on Digital Growth in your favorite podcast player.Hosted by Ausha. See ausha.co/privacy-policy for more information.

Mar 17, 2022 • 48min
176) #Exponential Insights - Behind the Scenes of the Digital Growth Institute
After having such a good conversation the first time around, I have my wife, Delena Lay back on the show to flip the script.
She’s asking me about the trends, lessons, and patterns I’ve seen in finance over the past 20 years; and, ultimately, how my stories can help your brand.
Join us as we discuss:
James Robert’s younger years & what’s going well in 2022
The most energizing projects & biggest lessons of the present
Looking 20 years to the future
Letting go to grow personally & professionally
You can find this interview and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here.
Listening on a desktop & can’t see the links? Just search for Banking on Digital Growth in your favorite podcast player.Hosted by Ausha. See ausha.co/privacy-policy for more information.

Mar 14, 2022 • 45min
175) #ExponentialInsights - From Impressed to Obsessed: Why You Need to Invest in Customer Experience
Companies subject their customers to unthinkable indignities every day.
It’s time to inject more humanity into our interactions with our customers.
It’s time to imbue our interactions with more emotional resonance.
It’s time to improve the customer experience.
That’s why I’m talking to Jon Picoult, Founder & Principal at Watermark Consulting. He literally wrote the book on it — From Impressed to Obsessed: 12 Principles for Turning Customers and Employees into Lifelong Fans.
In this episode, we delve into the nitty gritty of acing the customer experience.
Join us as we discuss:
The difference between customer service and customer experience
How positive employee experience leads to positive customer experience
How to make the case for investing in customer experience
The importance of creating peaks and valleys and finishing strong
Check out these resources we mentioned during the podcast:
JonPicoult.com
You can find this interview and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here.
Listening on a desktop & can’t see the links? Just search for Banking on Digital Growth in your favorite podcast player.Hosted by Ausha. See ausha.co/privacy-policy for more information.

Mar 9, 2022 • 33min
174) #ExponentialInsights - Innovation: Common Ground for Financial Brands & Fintechs
Future growth begins with new ideas.
It begins with taking new insights and turning them into transformational action.
Another word for it: Innovation.
That’s something my guest, Andrew Witherbee, CEO at Engage Partners Group, has been talking about a lot recently—specifically in relation to how financial brands and fintechs can find more innovative ways of working together.
In this episode, he tells me what’s new in that world.
Join us as we discuss:
Top trends in fintech and financial brand partnerships
Interesting things fintechs are doing from a B2B tech standpoint
How to inspire a culture that values innovation
Advice for the RFP process with fintechs
Check out these resources we mentioned during the podcast:
Humanocracy
Open Strategy: Mastering Disruption from Outside the C-Suite
Ep. 69: Why Exponential Technologies Demand Exponential Teamwork w/ Dan Sullivan
You can find this interview and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here.
Listening on a desktop & can’t see the links? Just search for Banking on Digital Growth in your favorite podcast player.Hosted by Ausha. See ausha.co/privacy-policy for more information.

Mar 7, 2022 • 32min
173) #NewStartsNow - Why We Need to Ditch Exclusivity Clauses
Core vendor contracts commonly contain exclusivity clauses that actually prevent banks from growing.
That fact shocked today’s returning guest, Jeffery Kendall, Chairman & CEO at Nymbus, when he first found out.
So, he took to LinkedIn to write an article entitled, “It’s Time for Core Vendors to Ditch Exclusivity Clauses.” In this episode, he explains why he wrote it and why vendors need to embrace a true partnership mindset.
Join us as we discuss:
- His motivation for writing the article
- The difference between partner and vendor
- The importance of holding yourself accountable
- Actionable advice for improving partnerships
You can find this interview and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here.
Listening on a desktop & can’t see the links? Just search for Banking on Digital Growth in your favorite podcast player.Hosted by Ausha. See ausha.co/privacy-policy for more information.

Mar 1, 2022 • 25min
172) #ExponentialInsights - We All Love No Hassle: How to Entice Millennials and Gen
Feelings and emotions don’t usually have a place in financial services.
But people often buy and make decisions with their heart.
Our guest today is Doug Brown, President of NCR Digital Banking, a proud father, and an avid researcher into the habits of the Millennial and Gen Z demographics, and what they demand from their financial institutions.
Join us as we discuss:
- NCR’s extensive research into how younger consumers feel about their banking options
- Millennials love exploring the newest, coolest things in fintech
- Understanding the deeper wellness aspects of financial transactions
- Having a digital-first mindset across every channel
Doug’s team is using technology to solve people’s pain points and make moving money simpler.
You can find this interview and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or on our website.
Listening on a desktop & can’t see the links? Just search for Banking on Digital Growth in your favorite podcast player.Hosted by Ausha. See ausha.co/privacy-policy for more information.

Feb 28, 2022 • 37min
171) #ExponentialInsights - Getting WISE to Customer Experience
Most customer experiences in financial services are ordinary. They’re boring.
That means all you have to do to stand out in our industry is create experiences that are a little bit better than ordinary.
But why stop there? Why not make them remarkable?
On the show today, Dan Gingiss, Chief Experience Officer at The Experience Maker, explains the nuts and bolts of his WISE framework for creating remarkable experiences that your customers can’t wait to share.
Join us as we discuss:
- What inspired him to write the book
- Why he believes traditional marketing is no longer enough
- The WISE methodology for creating better experiences
- The 10-day CX challenge
Mentioned during the podcast:
- ImproveMyCX.com
- Email Dan: Dan@dangingiss.com
- Tweet at Dan: @DGingiss
You can find this interview and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here.
Listening on a desktop & can’t see the links? Just search for Banking on Digital Growth in your favorite podcast player.Hosted by Ausha. See ausha.co/privacy-policy for more information.