

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

Dec 28, 2021 • 32min
154) #ClarityCalls: How to Drag Financial Brand Leaders Out of the Past
How can we get financial brands and their leadership teams comfortable with actually opening accounts online?
It’s an important question that I’ll be answering in the latest Clarity Calls.
And joining me to discuss the answer is the man who asked the question — Eric Cook, Founder & Chief Mentor at The LinkedBanker.
In this episode:
- The mentality trapping financial brand leaders in the past
- The COVID wake up call
- The value of cataloging your concerns and addressing them directly
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.

Dec 27, 2021 • 40min
153) #NewStartsNow: Building Better Internal Teams w/ Financial Collaboration
Collaboration isn’t always the easiest thing to do in finance. Through the COVID-19 pandemic, however, we’ve seen enough epiphanies from institutions to know that something is changing.
And while internal teams may fear change, educating and empowering them will help to bring future success for your company.
We speak with two team members at Nymbus, Renee Newman, Industry Advisory Board Member, and John Janclaes, CUSO President, about collaborative efforts of businesses through the pandemic, how business leaders are adapting to the change, and strategies to bring your team on board.
We cover:
- Listening & collaboration’s impact on a positive employee experience
- What’s keeping financial leaders up at night both positively & negatively
- How purpose can act as a central theme for internal teams
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.

Dec 27, 2021 • 40min
153) #NewStartsNow: Building Better Internal Teams w/ Financial Collaboration
Collaboration isn’t always the easiest thing to do in finance. Through the COVID-19 pandemic, however, we’ve seen enough epiphanies from institutions to know that something is changing.
And while internal teams may fear change, educating and empowering them will help to bring future success for your company.
We speak with two team members at Nymbus, Renee Newman, Industry Advisory Board Member, and John Janclaes, CUSO President, about collaborative efforts of businesses through the pandemic, how business leaders are adapting to the change, and strategies to bring your team on board.
We cover:
- Listening & collaboration’s impact on a positive employee experience
- What’s keeping financial leaders up at night both positively & negatively
- How purpose can act as a central theme for internal teams
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.

Dec 21, 2021 • 36min
152) #ExponentialInsights: Humanize Banking by Humanizing Experience
Digital alone is not a panacea.
In fact, without the human element, digital growth is near-impossible.
And the only way to humanize your banking is by delivering better, more-human experiences.
Today, I’m joined by Katherine Regnier, CEO and President at Coconut Software, who is all-in on humanizing banking.
Join us as we discuss:
- How to deliver a more human experience for your customers
- The shifting expectations of today’s consumer
- The importance of offering your customers options in how they engage your financial brand
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.

Dec 20, 2021 • 36min
151) #DigitalGrowthJourneys: How Marketing Can Lead Your Digital Growth Journey
In a world that’s changed so much in the past couple of years, one change is good news for those invested in digital growth:
Marketers are finally getting a seat at the table and being seen as proactive strategic partners.
Today’s guest, Patrick McCarthy, SVP, Head of North America Marketing and MarTech at City National Bank, has seen that change first-hand in his digital growth journey, which he joins the show today to share.
In this episode, we discuss:
- How marketers can be a proactive partner
- The buy-in and change management needed to pull of digital growth
- How marketers need to respond to impending cookiepocolypse
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.

Dec 14, 2021 • 33min
150b) #insideDigitalGrowth: A Deep Dive w/Authors Into Best Practices - Part 2
Continuing our Celebration of 150 episodes with part 2 of our Author’s best practices join us for outstanding insight from the following guests:
The panel:
Marcus Sheridan - Keynote Speaker - Marcus Sheridan International, Inc.
Ben Hardy - Organizational Psychologist, Hay House
Ron Shevlin - Director of Research at Cornerstone Advisors
Anne Legg - Faculty Member - Southwest CUNA Management School
Brett King - Founder, Executive Chairman - Moven
Melina Palmer - Founder and CEO - The Brainy Business
Mark Schaefer - Executive Director -Schaefer Marketing Solutions LLC
Mohammad Anwar - President and CEO of Softway
Justin Breen - Founder/CEO - BrEpic Communications LLC
We cover:
- How it’s not about we, us, and I
- Creating your future self
- Progress being greater than perfection
- Technology is a tool, nothing more, nothing less
- Removing Friction from your financial Institution
- The impact our conscious and subconscious mind on our decision making process
- Promoting Narcissistic marketing is old hat
- Transforming internally comes before transforming externally
- Heart centered thinking and human centered growth
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.

Dec 13, 2021 • 40min
150) #InsideDigitalGrowth: A Deep Dive w/ Authors Into Best Practices
No matter how you slice it, money is stressful. People lose sleep over it and are ashamed to discuss it with friends and family.
And this is exactly why we train and educate here on the Banking on Digital Growth podcast: We’re on a mission to help the dear listener overcome financial anxieties to build a better, more comfortable life.
On this special 150 episode, we share insights from a panel of authors looking to further your financial education.
The panel:
Joe Pulizzi - Founder at The Tilt
Bradley Leimer - Co-founder at Unconventional Ventures
Kirk Drake - Founder at CU 2.0
Dan Sullivan - Founder and President at Strategic Coach
John Lanza - Chief Mammal at The Money Mammals
Shari Storm - Chief Executive Officer at Category 6 Consulting
Chris Skinner - Non-Executive Director at 11:FS
Will Leach - Founder at Mindstate Group
John Oxford - SVP and Director of Marketing for Renasant Bank
We cover:
- The risk of a product led initiative
- The key to innovation is growth
- The ability to pivot quickly to sustain the brand
- Training the mind to think who before how
- To create, capture, and maximize future growth
- Understanding the differences across generations
- Augmenting the customer experience w/ AI
- Emotional decision making
- Mitigating risk and being courageous
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.

Dec 7, 2021 • 34min
149) #NewStartsNow - Partnerships: More than Mere Survival
As the world moves more and more to digital, there is a misconception that partnering with a Fintech or financial brand is a partnership based on survival.
That couldn’t be further from the truth.
The best partnerships are ones that benefit each member.
Today, I’m joined by Allison Netzer, Chief Marketing and Strategy Officer at NYMBUS, and Margaret Hartigan , CEO and Founder at Marstone, Inc. as they share how they're making that a reality every day.
In this episode, we discuss:
Why wealth management isn’t only for the rich
How partnerships are shaping the future of finance
Why the most successful partnerships are between equals
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.

Nov 30, 2021 • 37min
148) #ExponentialInsights: Overdrafts: It’s Really Not About Fees (Really!)
Let these numbers frighten you a little bit:
-6% of U.S. households are unbankable and 18.7% are underbanked
-The payday loan check cashing industry is about $32 billion
-9% of bank account holders pay 84% of the $11 billion in annual overdraft fees
It’s no wonder that overdrafts are the common enemy that financial brands need to vanquish.
In this episode, I speak with Joel Schwartz, Founder & Co-CEO at DoubleCheck Solutions, about the need to give consumers what they need (financial relationships) and what they want (financial flexibility and control):
Join us as we discuss:
- Why overdrafts are such a hot topic at this moment
- It’s customer control that’s the issue, not overdraft fees
- Digital growth opportunities for offering compassion
- Updating old-fashioned mindsets about banking services
- Why doing the right thing is good business
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.

Nov 30, 2021 • 46min
147) #NewStartsNow: Building Digital Growth into a New Community Bank
The pace of change in the financial world we’re seeing today is unprecedented — and the rate of change is only accelerating.
For many community banks, it can be hard to keep up…
But not for those willing to blaze a new path forward.
Today, I’m joined by two trailblazers, Keith Costello, President & CEO, and Kelsey Weaver, Board Member, at Locality Bank, where they are building an innovative new community bank — ready for the change we all know is coming over the horizon.
In this episode, we discuss:
- How Keith and Kelsey approached launching a new, digital-growth-ready community bank
- The importance of mindset to digital growth
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.


