

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

Nov 29, 2021 • 24min
146) #NewStartsNow: Compose a Symphony of Simplicity for Your Customers w/ BaaS
Why navigate the complexities of alliances and BaaS offerings?
Because your customers want simplicity.
And with brands and FIs working in concert, you can give your customers a symphony of simplicity.
That’s why today’s guest, Sarah Howell, is so passionate about her role as Chief Alliance Officer at NYMBUS: Bringing together both sides of the embedded finance equation, ultimately, makes life simpler for the end-user.
In this episode, we discuss:
- The purpose of banking as a service — and why it’s a smart move in a disruptor-filled financial landscape
- What FIs and brands should know before partnering to maximize their opportunities in embedded finance
- Why a better finance world for all starts with removing friction and orchestrating a symphony of simplicity
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 23, 2021 • 33min
145) #ExponentialInsights: Running an SMB Is Hard Work — Banking Shouldn’t Be
Small business owners work harder than anyone — averaging upwards of 60 hours a week.
When they need a loan, they don’t want to take time out of their day for a “delightful” customer experience…
They want convenience. They just want it to work.
It’s something Derek Corcoran, Chief Strategy Officer (CSO) at Numerated, says most banks get wrong by not even offering digital lending. And that’s just one of the many opportunities to serve SMBs he joins today’s show to discuss that most banks are missing.
In this episode, we cover:
- The two types of customer experience
- The value of convenience and simplicity for SMBs
- The goodwill community banks fostered in the pandemic (and how to avoid squandering it)
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 22, 2021 • 38min
144) #ExponentialInsights: Sales & Relationship-Building in a Digital World
It’s time to face reality: Banking is not going back to the “good ol’ days.”
Whether that means the ‘70s, when customers begged for loans, or a couple years ago when banking was still mostly done in person.
And if banks don’t understand that, the only good ol’ days they’ll relive happened about 65 million years ago — when all the other dinosaurs disappeared.
Today’s guest, Jack Hubbard, Chief Experience Officer at St. Meyer & Hubbard, got his start in banking back in the supposed good ol’ days of the ‘70s and, for him, there are no better days than the ones we’re living now.
Well, for financial brands who learn to sell and build relationships in a digital world, that is.
In this episode, we discuss:
- The changes in banking and how banks can adapt
- The difference between a sales culture and a performance culture
-Why LinkedIn is something financial brands should embrace, not fearn 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 16, 2021 • 50min
143) #NewStartsNow: A Small Business Guide to Fintech: Insight for the Future
Traditional banking institutions are slowly being replaced by other fintech banking solutions and small businesses are taking note. With more options available than ever, business owners are realizing that switching to more efficient banking solutions is as easy as downloading an app.
We speak with Renee Newman - Industry Advisory Board Member at Nymbus, Derek Sutton - VP of Marketing at Autobooks, and Corey LeBlanc - Co-founder at Locality Bank about the marriage of small businesses with fintech and taking the necessary steps to creating a better customer experience.
We cover:
- How small businesses are collaborating with fintech & inspiring hope
- Empowering small businesses to maximize their growth capability & overcome fear
- Creating a better customer experience & keeping each other accountable
- Considering fintech a collaborator, not a competitor
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 15, 2021 • 42min
142) #ExponentialInsights: Data Takes Marketing from Cost Center to Revenue Center
Imagine a football game where every stat is measured flawlessly… except for the ones that tell you the score.
How do you tell if your team won?
Most marketing teams don’t need to imagine it — they’re playing it.
And nobody knows if they’re winning.
That’s why Kevin MacNeil, Vice President Accounts at Metric Marketing, is adamant that the first step every financial brand should take to turn their marketing teams from cost to revenue center is getting better data.
In this episode, we discuss:
- The importance of data-driven marketing decisions
- The third-party integrations ruining your data
- Why nearly every financial brand’s website is terrible
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 9, 2021 • 21min
141) #ClarityCalls: Why Cost of Acquisition Per Loan Is the Most Critical Metric
How does your financial brand measure cost per acquisition?
If it isn’t per funded loan…
Well, it’s not telling you what you need to know.
In this Clarity Calls episode, I discuss why with Carlo Cardilli, CEO at Alpharank, an organization helping financial brands remove the unnecessary friction driving their would-be customers away.
We cover:
- Why measuring per funded loan is the only true way to gain insights into your marketing costs
- The easily-avoidable friction driving customers away from financial brands
- Why compliance isn’t an excuse for poor customer experience
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 8, 2021 • 34min
140) #ExponentialInsights: Are You Prepared for a Techno-Socialist Future?
The way we work is changing.
It’s not just the pandemic — the economic world is transforming.
Whether that change is good or bad depends on whether we can adapt the system to embrace the future or let the future be guided by fear and uncertainty.
For Brett King, Founder, Executive Chairman at Moven and Author of The Rise of Techno-Socialism, the way we need to adapt this system is clear.
In this episode, we discuss:
- Why Techno-Socialism is the best path for a better, brighter future
- The costs of techno-unemployment
- Why corporate citizenship is as important a metric as corporate viability.
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 2, 2021 • 33min
139) #DigitalGrowthJourneys: KEG Culture: On Tap Credit Union’s Recipe For Growth
Good ingredients aren’t enough. You need the right recipe, too.
Every great marketer knows this, including Janelle Herrera, our next guest.
As the VP of Marketing and Business Development at On Tap Credit Union, she has continually improved her recipe for digital marketing success. She joins us to discuss:
- The foundations and growth paths for credit union marketing
- A healthy approach to automation and iteration
- The importance of reaching out to experts and asking questions
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 1, 2021 • 23min
138) #InsideDigitalGrowth: It’s Time to Go ALL-In on Human-Centered Growth
Do different markets require a different approach to digital growth? Yes and no.
Regulations, economies and cultures may be different.
But human-centered growth is universal.
In this solo episode, I’ll be answering a question about Fintech deployment in Latin America — but the answer transcends borders.
I cover:
- How to focus on the uniqueness of emerging markets like those in Latin America
- Human-centered growth
- Why you need to go ALL-in on your 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.

Oct 26, 2021 • 37min
137) #ExponentialInsights: Financial Literacy: All It Takes Are the Right Stories
Biology explains why kids trust their parents, but why their teachers?
Education — that’s the key to building trust.
Financial brands who get that will thrive and may just fix our culture’s financial literacy problems in the process.
That’s what Arindam Nag, Chief Executive Officer at CentSai, is banking on. At CentSai, he’s telling the right stories to help build financial literacy — and he was gracious enough to share them in today’s episode.
We discuss:
- The issues with financial literacy
- Why smart money management doesn’t take a career in Wall Street to learn
- Why education (and the trust it builds) will shape 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 on Ausha. See ausha.co/privacy-policy for more information.


