

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

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

Feb 1, 2022 • 20min
164) #ClarityCalls: Helping & Selling Are Not Mutually Exclusive
How do we find the balance between being a dependable resource and moving people to action?
Where is the friction point where support turns into sales?
These fantastic questions come from my latest guest, Jim Kapp, Marketing Director at Cinfed Credit Union and I’ll be answering them in today’s Clarity Calls episode.
Join us as we discuss:
- Why helping and selling are not mutually exclusive
- How the buyer journey should shape your content
- The value of online secret shopping for financial brands
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.

Jan 31, 2022 • 37min
163) #DigitalGrowthJourneys: How to Achieve the Human Transformation that Precedes the Digital Transformation (with Tom Novak)
I’ve said it before and will say it again:
Human transformation precedes digital transformation.
The challenge is bringing others along with you — before it’s too late.
That’s a challenge today’s guest, Thomas P. Novak, has had to lead the charge in solving in his role as VP/Chief Digital Officer at Visions Federal Credit Union. He joins the show to share what he learned along the way.
Join us as we discuss:
- Why digital transformation begins with transforming people
- How to get alignment across your organization in order to change before you have to
- Why traditional financial institutions are falling behind challengers and even other industries — and how they can bridge the gap
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.

Jan 25, 2022 • 39min
162) #NewStarsNow: Innovation Is Easier than You Think
Most people are scared off from innovating because they are confused about what it means.
Innovation is not invention…
And financial brands don’t need to become Thomas Edison or Nikola Tesla to truly transform their industry.
For today’s guest, Matt Maxey, Head Of Innovation at Synovus, the difference is clear: Innovation is applying concepts from elsewhere to your own problems and opportunities, not creating something the world has never seen before.
Join Matt and I as we discuss:
- Why it’s paramount that financial brands innovate
- Why innovation is easier than you think
- The role of collaboration in the future of finance
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.

Jan 24, 2022 • 33min
161) #ExponentialInsights: How to Build Your Mental Wealth
Money doesn’t buy happiness… but mental health and finances are inextricable.
Financial uncertainty puts on everything else we value in life.
Overcoming most of our financial woes boil down to one thing: mindset.
It’s time everybody worked on their mental wealth.
And leading the charge is today’s guest, Joyce Marter, Licensed Psychotherapist, CEO, National Public Speaker, Media Contributor & Author of The Financial Mindset Fix: A Mental Fitness Program for an Abundant Life, who joins the show to share all the ways psychology affect how we interact with money.
Join us as we discuss:
- The connection between financial well-being and mental health
- Why the taboos around money make it hard to address the interplay between the two
- The 12 mindsets you can cultivate to boost your mental wealth
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.