

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 on Ausha. See ausha.co/privacy-policy for more information.
Hosted on Ausha. See ausha.co/privacy-policy for more information.
Episodes
Mentioned books

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 on 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 on 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 on 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 on Ausha. See ausha.co/privacy-policy for more information.

Feb 22, 2022 • 33min
170) #NewStartsNow The Dangers of Becoming Obsolete: Discussing Necessary Risk w/ Financial Brands
A lot of financial brands don’t take on certain risks for fear of diminished return. But that might not be the best perspective — sometimes risk makes sense when becoming obsolete is the alternative.
To learn more about the necessity of risk within financial institutions, I talk with Joel Swanson, Chief Member Experience Officer at VyStar Credit Union, about playing the long game with the member experience, partnering with fintech, and advice for the audience.
Join us as we discuss:
- The conversations around digital 4 years ago at Vystar & what’s changed since then
- How the member experience has changed most through a digital-first lens
- How purpose has guided thinking around digital strategy & fintech partnerships
- Overcoming roadblocks within your organization when leading change & hope for the future
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 on Ausha. See ausha.co/privacy-policy for more information.

Feb 21, 2022 • 39min
169) #ExponentialInsights - Appointment Culture: How a Strong Employee Experience Leads to More Conversions
A customer’s tolerance for waiting when it comes to their finances is low — the best way to mitigate any unneeded wait time? — proactive appointment setting by employees.
Not only does it lead to higher conversions, but lifetime value.
To learn more about how exactly companies are integrating appointment culture, I talk with Nicholas Barnes, Practice Director, Financial Services at JRNI, about the employee experience and just how important it is to get comfortable with video conferencing.
Join us as we discuss:
- Focusing on the employee experience to create an overall positive internal & external experience
- The elements that make up a strong appointment culture & video’s place within it
- The biggest areas of opportunity for financial brands moving into the future
- Roadblocks that tend to occur when integrating an appointment culture
Check out this resource mentioned in the episode:
- www.jrni.com
You can find this interview and many more by subscribing to Banking on Digital Growth onApple Podcasts , onSpotify , orhere.
Listening on a desktop & can’t see the links? Just search for Banking on Digital Growth in your favorite podcast player.Hosted on Ausha. See ausha.co/privacy-policy for more information.

Feb 15, 2022 • 44min
168) #ExponentialInsights - Ditching Automation for the Human Touch in Finance
Many companies spend so much time and money bringing in new customers, but overlook how quickly they’re losing them. And the reason? They’ve lost the human touch in favor of automation.
I speak with Joey Coleman, Chief Experience Composer at Design Symphony, about retaining your customers and where businesses go wrong.
Join us as we discuss:
- The inspiration behind Joey’s first book
- Taking a human to human approach to growth
- The difference between customer experience & customer service
- How to never lose a customer again
- The next best step for the audience
Check out these resources mentioned during the episode:
- Never Lose a Customer Again by Joey Coleman
- Joeycoleman.com
- Experiencethisshow.com
You can find this interview and many more by subscribing to Banking on Digital Growth onApple Podcasts , onSpotify , orhere.
Listening on a desktop & can’t see the links? Just search for Banking on Digital Growth in your favorite podcast player.Hosted on Ausha. See ausha.co/privacy-policy for more information.

Feb 14, 2022 • 42min
167) #ExponentialInsights - Why Honesty is Essential in Your Growth Journey
Sometimes you just need to hear the brutal truth to motivate you to take action and achieve your full potential.
Twenty years ago, my guest delivered a brutal truth that launched my journey of creating the Digital Growth Institute. My wife, Delena Dow Lay, told me my band sucked.
In this special episode, we look back at the beginnings of the Digital Growth Institute and the lessons we’ve learned along the way. Whether you’re in marketing, sales, or leadership at a fintech, Delena has wisdom to share with us all.
Join us as we discuss:
- The value of being honest with ourselves and experiencing failure
- Why it’s so important to reach out for help when you get stuck
- The need to disconnect from tech to reconnect with ourselves
- The origin of “Be well. Do good. And make your bed.”
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 on Ausha. See ausha.co/privacy-policy for more information.

Feb 8, 2022 • 36min
166) #ExponentialInsights - The Bill Pay Revolution Is Finally Here
Bill pay has been neglected for far too long…
And unless you want to get left behind, your financial brand needs to start taking it seriously.
To find out how to reap the rewards bill pay can offer any financial brand, I sat down with Michael Bank, Co-Founder at Blip Labs, an expert on all things bill pay.
Join us as we discuss:
- Why bill pay matters more than ever and how financial brand can capitalize on it
- The education component financial brands need to move out of the “good enough” mentality holding them back
- The future of bill pay
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 on Ausha. See ausha.co/privacy-policy for more information.

Feb 7, 2022 • 33min
165) #Exponential Insights: How Banking Looks from the Outside
I’ve often said that financial brands need to look outside their industry for inspiration in order to thrive well into the future.
But how does the industry look to the outsiders looking in?
Well, today's guest, Mary Wisniewski, Digital Editor and Journalist, knows the finance world as deeply as anyone in it — and she has some recommendations for how to improve it.
https://www.linkedin.com/in/mary-wisniewski-3a7578b
Join us as we discuss:
- Open banking and the row between fintechs and banks
- The power of collaboration
- How to stay focused and gain clarity while solving banking’s toughest challenges
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 on Ausha. See ausha.co/privacy-policy for more information.


