Banking on Digital Growth

Ever found yourself saying, “I need to think about it”? For many financial leaders, this simple phrase hides a deeper hesitation that keeps them stuck in inaction. Often, this delay stems from overanalyzing or waiting for certainty, which can stall growth, innovation, and much-needed progress. In today’s fast-paced digital landscape, waiting too long to take action can lead to missed opportunities, lost revenue, and stagnation. 

In this episode, host James Robert Lay and operations lead Audrey Cannata dig into how the Kolbe A Index reveals each person’s unique “action mode.” They explore how understanding these natural tendencies can help leaders make faster, more confident decisions. Listeners will learn how the Kolbe Index’s insights into fact-finding, quick-starting, and follow-through help teams overcome decision-making blocks, find balance, and take the necessary steps toward growth.

Join us as we discuss:

-The Four Action Modes of Kolbe (04:13)

-Challenges in Financial Industry Decision-Making (07:12)

-Practical Tips for Moving from Thinking to Doing (21:11)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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In the realm of strategic planning, branding, and marketing for financial institutions, there exists a continuous tension between using pure logic and rationale versus tapping into feelings, emotions, and intuition. Leaders and marketing professionals often struggle with balancing these approaches, resulting in a disconnect within their strategic efforts.

To address these issues, the episode provides actionable advice and insights. James Robert Lay and Allison Netzer, chief strategist at BrandThnk, discuss practical steps marketers can take, such as beginning with intuition in decision-making and refining it with logical analysis. They advocate for marketing the role of marketing internally with the same vigor used for external branding. Allison also suggests specific exercises like writing customer stories about oneself to reconnect with internal values.

Join us as we discuss:

-The Rise of the Wisdom Economy (06:36)

-The Shirky Principle and Conviction in Leadership (16:19)

-The Role and Perception of Marketing (24:43)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Risk aversion has become a paralyzing force within banks and credit unions, particularly in marketing and sales teams. For institutions that prioritize security, the common reflex is to avoid taking bold action—often to prevent failure or blame. However, as Audrey Cannata and James Robert Lay explore in this episode, it’s precisely this fear of failure and the tendency to assign blame that stifles innovation and keeps organizations stagnant in a rapidly evolving industry.

James Robert Lay, a seasoned entrepreneur, contrasts his approach to risk with the more cautious mindset common in banking, showing how this “safety-first” mentality can create blind spots and lead to missed opportunities. Audrey Cannata draws from her experience as educator to highlight how embracing calculated risks and letting go of blame can empower teams to tackle challenges head-on. The solution? Cultivating a culture that prioritizes growth over fear, curiosity over criticism, and boldness over blame—one where marketing and sales leaders can confidently address gaps, learn from them, and drive true growth in their institutions.

Join us as we discuss:

-The Impact of Risk Aversion in Education (03:19)

-Blame Culture vs. Risk Aversion (12:51)

-Embracing Bold Moves for Growth (30:20)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Change is hard—especially in the financial industry, where traditional approaches can feel like a comfortable safety net. But as financial brands aim to grow and stay relevant, inaction or rigid mindsets can hold entire teams back. Adapting to new technologies, customer expectations, and market shifts isn’t just about keeping up; it’s about creating a resilient, future-ready brand.

In this episode, James Robert Lay, joined by David Barone, EVP of Client Growth at Nymbus, dives into a simple, transformative three-step framework to help marketing, sales, and leadership teams move confidently through change. They break down how a “growth mindset” is the foundation for successful transformation and show why adaptability—both in mindset and in technology—can unlock new opportunities for scale and differentiation in an increasingly competitive financial landscape.

Join us as we discuss:

-Showing Up and Overcoming Perfection (09:21 )

-Differentiation through Verticalization (18:12)

-Scaling with Strategy (28:00)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Many financial brand leaders feel stuck and unable to take the necessary actions to overcome the challenges they face. This sense of being stuck can stem from several factors, including pride, arrogance, fear of conflict, and the fear of looking in the mirror and confronting unpleasant truths.

This stagnation not only impacts the leaders personally but also hampers the growth and effectiveness of their organizations. 

The key to overcoming this stagnation lies in cultivating self-respect, trust, and continuous personal growth. It encourages leaders to engage in self-reflection, embrace change, and take courageous steps towards action and accountability. By mastering the 'software' of their minds, leaders can unlock their potential and lead their teams more effectively, contributing to a culture of respect, trust, and innovation within their organizations.

Join us as we discuss:

-Ego and Avoidance in Leadership (03:01)

-Conflict Avoidance and Personal Growth (09:27)

-Embracing Change and Continuous Growth (20:25)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Financial brands often focus on digital transformation and new technologies to drive growth, but they miss a critical piece: human transformation. Without aligning their teams and culture to embrace change, even the best technology won’t unlock new opportunities. Sticking to old habits while trying to implement new technologies creates roadblocks, misaligned efforts, and frustrating customer experiences. If nothing changes internally, no amount of digital investment will drive the desired results.

In this episode, James Robert Lay and Danny Varghese, President of Fortimize, discuss how financial brands can break through these barriers by focusing on human transformation first. By building a culture that values adaptability, communication, and continuous learning, organizations can effectively implement digital tools and unlock new growth opportunities. Listen to learn how to set the foundation for both human and digital transformation in 2025.

Join us as we discuss:

-Challenges in Customer Acquisition (07:50)

-Opportunities for Efficiency and Relationship Building (13:20)

-People, Process, Technology, and Data (26:33)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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There’s no sugar coating it: Your bank or credit union is losing money—right now—because of hidden blind spots in your customer journey. If you don’t take action, these problems will persist, costing you even more in 2025. The longer you wait, the more you risk falling behind your competition. But the real issue? You probably aren’t even aware of just how many loans and deposits your bank or credit union is losing. 

That’s why we created the Digital Growth Accelerator Program. It’s the quickest and easiest way to get everything you need to accelerate loan and deposit growth in 2025 through research-driven assessments, practical action plans, and collaboration with like-minded peers. It makes growth accessible with minimal time and financial investment, all while providing hands-on guidance from the experts at the Digital Growth Institute. Now is the time to take action and ensure you thrive in 2025.

Join us as we discuss:

-Introducing the Digital Growth Accelerator (11:45)

-The Value of the Accelerator Program (23:23)

-Addressing Common Objections: Time and Budget (29:13)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Financial brands miss out on millions in loans and deposits by not leveraging digital growth strategies and personal branding. There's a hesitation to utilize new communication channels like social media or podcasts due to compliance concerns and traditional mindsets. 

Ray Drew, top-producing SBA Lender and the host of #1 Podcast in the SBA Industry: The Art of SBA Lending, discusses practical steps, including creating engaging content, leveraging platforms like LinkedIn, and adapting modern marketing techniques to stay ahead. He shares  expert advice emphasizing that building a strong digital presence can significantly enhance trust, attract new business, and position financial brands to thrive in the future.

Join us as we discuss:

-Ray Drew's Journey in SBA Lending (02:29)

-The Birth of SBA Ray and Building Trust Through Content (16:28)

-The Power of Personal Branding (38:07)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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In today's digital age, creating a human connection in online interactions is crucial for enhancing customer journeys, especially for financial institutions. However, many banks and credit unions overlook this necessity, leading to missed opportunities and diminished customer satisfaction.

In the latest episode of the Practical Perspectives, Audrey Cannata and James Robert Lay highlight the gaps in customer service and communication, such as disjointed digital experiences and the poor handling of contact forms. Through real-time secret shopping experiments, the podcast uncovers alarming blind spots, including instances where financial institutions' phone systems demand sensitive information upfront, like social security numbers, causing potential customers to abandon their inquiries out of frustration and mistrust.

Join us as we discuss:

Live Experiment: Calling Zappos (10:58)

Emotional State and Financial Decisions (13:45)

Live Experiment: Calling a Financial Brand (16:54)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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In this episode of the Practical Perspectives series, James Robert Lay and Audrey Cannata discuss a powerful yet often overlooked connection—the relationship between physical movement and overcoming mental roadblocks like fear, anxiety, and complacency. They explore the idea that taking action, even small physical steps, can help break through periods of stagnation both personally and professionally. James Robert shares his personal experiences with overcoming resistance and emphasizes the importance of energy management, not just time management, for achieving growth. The conversation dives deep into how making physical health a priority can transform not just personal well-being, but also professional success, particularly in leadership and team dynamics. Ultimately, it's about mastering your body to master your mind, so you can push past fear and uncertainty and create lasting momentum.

Join us as we discuss:

-Force vs. Flow: Finding Balance (05:42)

-Distractions and Their Consequences (17:53)

-The Health Crisis: A Call to Action (28:47)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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In this special episode of the Exponential Insights, James Robert Lay is joined by both Corey LeBlanc, co-founder and COO/CTO at Locality Bank, and Har Rai Khalsa, CEO and co-founder of Swaystack. Together, they dive deep into the critical topic of optimizing onboarding and engagement for banks and credit unions.

They’ll share their expert insights on how addressing friction in your onboarding process can stop your financial brand from losing millions in loans and deposits, while also building stronger, more profitable relationships. Whether you're a financial marketer, sales leader, or executive, this episode is packed with actionable strategies to help your institution grow by transforming the customer experience from day one.

Join us as we discuss:

-Addressing Onboarding Gaps and Challenges (06:22)

-Simplifying Complex Banking Processes (25:14)

-Practical Steps to Enhance Customer Trust (34:44)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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In today's episode of the Exponential Insights series we discuss a significant issue faced by financial institutions: the loss of loans and deposits via their websites. Despite the clear advantages, many credit unions and banks struggle with the digital transformation needed to optimize their website's performance.

James Robert is joined by Derik Krauss, shareholder and senior website consultant at BloomCU, to discuss the resistance financial brands show toward change, despite the evident opportunities for growth. They touch upon the 'tyranny of the status quo,' explaining that many organizations are hindered by outdated practices and a fear of radical transformation. They urge financial brands to embrace change, potentially even launching new, focused brands to capture unmet market needs.

Join us as we discuss:

-Empathy and Authenticity in Marketing (12:04)

-The Tyranny of the Status Quo (23:22)

-The Innovator's Dilemma in Banking (51:13)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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This episode of the Practical Perspective series dives into the hidden gaps and friction points in financial brand customer journeys that lead to loss of potential loans and deposits. James Robert Lay, along with Audrey Cannata, share insights from a recent website secret shopping study. 

They identify how confusion, friction, and unclear expectations during the personal loan application process can cost financial brands millions. Various issues, from overly complex application steps to lack of clear communication, are discussed along with potential solutions such as improving micro-commitments, refining legal and consent sections, and ensuring proactive follow-up through calls.

Join us as we discuss:

-Personal Loan Application Friction Points (04:35)

-The Importance of Communication and Expectations (09:06)

-Post-Application Experience and Recommendations (21:08)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Many financial institutions struggle with understanding why their websites lose out on potential loans and deposits. Often, the questions they ask in feedback forms fail to distinguish between different user journeys, leading to misleading insights and uninformed decisions.

In this episode, James Robert Lay and Audrey Cannata discuss how  tailoring questions to distinct user journeys can unlock valuable insights. By differentiating between shopping, application, and account holder experiences, and timing feedback requests based on user engagement (e.g., time on page, scrolling behavior), financial institutions can gather more actionable data.

Join us as we discuss:

-Case Study: Analyzing Website Feedback Forms (04:25)

-The Role of Context in Gathering Feedback (09:06)

-Three Distinct Website Experiences (20:38)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Most financial institutions are stuck in the present, lacking the forward-thinking leadership needed to navigate and thrive in a rapidly changing environment. Leaders within these organizations frequently find themselves overwhelmed by day-to-day operations, which restricts their ability to focus on future growth and innovation.

On this episode of the Practical Perspectives series, James Robert Lay and Audrey Cannata discuss the need for leaders to adopt a future-focused mindset by setting aside dedicated time for strategic thinking and ongoing learning. By visualizing their future selves and operating from that perspective, leaders can inspire and drive meaningful change within their organizations. Join in as they suggest practical steps, such as evaluating one's current operating mindset and creating a vision for the future, to bridge the gap between current capabilities and future potential. Ultimately, embracing continuous growth and surrounding oneself with like-minded individuals can help drive the financial industry toward a more innovative and successful future.

Join us as we discuss:

-The Importance of Vision in Leadership (05:32)

-The Role of Culture and Change (10:31)

-Leadership vs. Management (17:41)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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In this episode of the Practical Perspectives series we share how a regional bank’s 67% abandonment rate on personal loans translates into a staggering loss of $100 million annually in interest income. The situation is further amplified by the fact that the brand is investing in paid advertisements to drive traffic to these pages, and only 25% of users are even attempting the application process. 

Join us as we discuss how small, incremental optimizations (like a mere 5% increase in application starts and a similar reduction in abandonment rates) can potentially recapture millions in lost interest income annually. Addressing and optimizing even the seemingly minor aspects of the digital customer journey can lead to substantial revenue recovery and growth for financial brands.

Join us as we discuss:

-Case Study: Regional Financial Brand's Abandoned Applications (02:11)

-Calculating the Financial Impact of Abandoned Applications (07:43)

-The Power of Incremental Changes (14:44)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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After facilitating over 1200 website secret shopping studies for financial brands over the past decade, the Digital Growth Institute decided it was time to drink their own medicine. After recently launching their new website, they put out a call-to-action for industry leaders to provide real-time feedback. 

In this episode of the Practical Perspectives series, James Robert Lay and Audrey Cannata discuss the insights they gained and how the practice of rapid iteration helped them to level up their brand messaging and communication. They discuss the lessons that they learned and how even the most seasoned marketers can find tremendous value in outside perspectives.

Join us as we discuss:

-Secret Shopping the Digital Growth Institute Website (04:43)

-The Power of Clear Messaging (08:39)

-The Value of Outside Perspective (17:31)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Let’s face it, a lot of financial institutions are really struggling to position themselves online and make the most of their digital channels. Many banks and credit unions sound more like robots with their scripted value propositions and fail to address the real issues their account holders have. This leads to a ton of missed opportunities and a lot of money left on the table. Despite digital channels having the potential to outshine physical branches, they’re often underperforming due to poor optimization practices. 

In this episode of the Practical Perspectives series, James Robert Lay and Audrey Cannata discuss insights from a recent Website Blind Spot Benchmark they conducted. The big takeaway? Regular website assessments can help pinpoint problem areas and unlock some serious financial gains. By properly mapping out customer journeys, banks can create a clear path that guides customers from the first click all the way to a completed transaction, reducing confusion and boosting confidence.

Join us as we discuss:

-Understanding Positioning and Customer Journeys (02:38)

-The Importance of Ongoing Optimization (18:12)

-Human Connection in Digital Experiences (28:37)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Financial brand marketing and sales leaders face the challenge of consistently making new connections that lead to loan and deposit growth. They often struggle to leverage data and customer insights effectively to deepen relationships, which is crucial for fostering new connections and driving business outcomes.

Brian Bauer, CEO of Revio Insight, a customer growth platform that transforms complex bank data into actionable growth opportunities for community and regional banks, joins the show to discuss how financial brands can turn data into actionable growth opportunities. This episode  highlights the importance of not waiting for perfection to start engaging customers, leveraging both digital and relational engagement channels effectively, and ensuring that product offerings align with customer needs. The big takeaway? Human experience and building authentic relationships can inevitably lead to more business and profitable relationships.

Join us as we discuss:

-Turning Data into Deposits and Revenue (04:28)

-Account-Based Marketing Explained (15:05)

-Building Transformational Relationships (22:48)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Many financial brand leaders are unsure where to begin when it comes to secret shopping their website and often feel intimidated by the process—if they even know what website secret shopping is. That’s why on this episode of the Practical Perspectives series, James Robert Lay and Audrey Cannata break down everything you need to know about website secret shopping. 

These studies offer a structured, 30-day approach that identifies blind spots and provides actionable insights to optimize website experiences. With a specific focus on product lines, demographic segments, device types, and stages within the buying journey, financial brands can make targeted improvements. The results are a significant increase in user conversions and overall growth, translating to a substantial return on investment.

Join us as we discuss:

-Breaking Down the Secret Shopping Process (06:19)

-Focusing on Product Lines and Demographics (17:09)

-Stages of the Buying Journey (24:36)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Financial institutions often struggle to manage and appropriately respond to online feedback, especially negative reviews, risking the loss of potential loyal customers. Statistics reveal that a single negative review can severely damage a brand’s reputation, requiring up to 40 positive experiences to counteract it. 

In this episode of the Banking on Digital Growth podcast, Audrey Cannata and James Robert Lay discuss the critical role of listening and responding to customer feedback for financial institutions. By sharing real-life examples, such as a commendable response from Frost Bank to a negative review, the podcast emphasizes the importance of proactive customer service and reputation management.

Join us as we discuss:

-Real-Time Feedback Response (08:56)

-Statistics on Negative Experiences (15:32)

-Google My Business Strategy (25:57)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Many financial brands may not realize that their websites could be their biggest sales blind spots due to lack of proper evaluation. Without secret shopping, banks and credit unions may not identify critical issues that could be causing them to lose out on potential loans and deposits.

This episode of the Practical Perspectives series advocates for external, objective website secret shopping studies as a means to uncover and address these blind spots. These studies offer financial brands the opportunity to gain valuable, unbiased feedback from real users, which can help improve their digital engagement, boost conversions, and ultimately increase loans and deposits.

Join us as we discuss:

-Understanding Website Secret Shopping (00:47)

-Common Objections to Secret Shopping (03:48)

-Conclusion: Awareness and Action Steps (43:04)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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In a rapidly changing world driven by exponential technological advancements like AI, many leaders, teams, and organizations struggle to keep pace. This creates a widening gap between linear human perception and the exponential nature of change, leading to feelings of fear, stagnation, and a lack of growth. Many financial brand leaders, especially in the marketing sector, are losing their jobs or feeling displaced due to unforeseen changes in their industry.

Jim Marous, CEO of the Digital Banking Reportand co-publisher of The Financial Brand,  believes the solution lies in continuous learning and transformation. Jim joins the show to offer strategies and advice on navigating change successfully.

Join us as we discuss:

-Navigating Industry Changes (11:16)

-The Importance of Asking Questions (18:50)

-Lessons from Failure (28:35)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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It’s not surprising that a significant portion of Americans are struggling with their finances, with many living paycheck to paycheck. Even those working within financial institutions are not immune to these issues.

This episode of the Exponential Insights series offers a practical and straightforward solution to this widespread problem. Guest Gordon Stein introduces the concept of "Cashflow Cookbook," a book filled with 60 easy-to-follow recipes for freeing up cash without sacrificing lifestyle quality. He emphasizes that small changes in managing recurring expenses, like switching cell phone providers or optimizing monthly bills, can significantly improve cash flow. By taking these steps, individuals can save and invest more effectively, ultimately reducing financial stress and increasing financial well-being.

Join us as we discuss:

-Practical Financial Tips from Cashflow Cookbook (06:12)

-Behavioral Change and Financial Wellness (10:15)

-Future of Financial Services and AI (19:15)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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As financial brand leaders navigate the complexities of a post-COVID world, the economic shifts, and the rise of artificial intelligence, feelings of exhaustion and burnout are rampant. Leaders and team members alike are struggling to stay engaged and find fulfillment in their roles. The pervasive cultural norm of complaining about work and separating personal and professional lives further aggravates the issue, leading to an overwhelming sense of frustration and resistance to change.

This episode offers a roadmap to overcome these challenges. Audrey Cannata and James Robert Lay share personal experiences of overcoming adversity, such as leaving toxic environments, to highlight the power of personal transformation. They emphasize integrating spiritual, mental, physical, relational, and financial aspects of life to foster holistic growth.

Join us as we discuss:

-The Connection Between Personal and Professional Growth (7:15)

-Recognizing the Need for Change (28:17)

-Defeating Self-Limiting Beliefs (37:49)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Many financial brands are underinvesting in their digital sales channels, especially their websites, in 2024. Organizations often view their website as a one-time cost rather than an ongoing investment and fail to recognize its critical role in the customer buying journey. Failing to adapt to the digital shift can lead to being left behind by competitors who prioritize their digital presence.

In this episode of the Practical Perspectives series, James Robert Lay and Audrey Cannata discuss the transformations in consumer behavior and why viewing the website as a critical part of the digital buying journey, financial institutions can align their investments with industry trends and customer expectations.

Join us as we discuss:

-The Growth Mindset: A Case Study (3:48)

-Comparative Analysis: Toys R Us vs. Target (14:43)

-Optimizing Digital Strategies: Secret Shopping Studies (21:49)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Many leaders struggle with the fear of change, failure, uncertainty and not being good enough. Left unchecked, fear can become debilitating and prevent you from taking the actions needed to move forward. You may find yourself procrastinating, doubting your abilities and resisting needed changes that feel uncomfortable. 

In this episode of the Practical Perspectives series, James Robert Lay and Audrey Cannata discuss the importance of investing in personal development, seeking guidance from a coach or mentor, and leaning on a supportive community of peers. Learn why it's critical for financial brand leaders to face discomfort, address blind spots and navigate change with grit and resilience in order to maximize their adaptability quotient (AQ). Don't let fear hold you back any longer.

Join us as we discuss:

-The Role of Fear, Uncertainty, and Doubt (FUD) (4:45)

-Overcoming Perfectionism and Procrastination (8:37)

-The Importance of Self-Respect and Growth Mindset (20:23)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Many financial brands struggle to adapt to the rapidly changing landscape of digital banking, often feeling overwhelmed and uncertain about how to maintain growth and customer engagement in the face of continuous technological and market changes.

Financial brand leaders frequently express feelings of exhaustion, confusion, and indecision when trying to navigate these changes. They're overwhelmed by the need to create digital customer experiences, map out complex buying journeys, and implement new technologies while maintaining trust and human-centric engagement. The pressure to act without clear guidance often leads to inaction or ineffective measures.

On this episode of the Exponential Insights series, Carey Ransom, Managing Director at BankTech Ventures, discusses actionable strategies for overcoming these challenges. He emphasizes the importance of creating space for reflection, continuous learning, and the adoption of an agile mindset. 

Join us as we discuss:

-Adapting Agile Methodologies in Banking (10:04)

-Investing in an Online Presence (19:28)

-The Role of Generative AI in Banking (39:50)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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Are you aware of the number of loans and deposits you're losing due to blind spots in your bank's or credit union's onboarding experience? According to the Digital Banking Report, 46% of newly opened accounts go inactive within the first year. 

To put it differently, almost one out of every two accounts your financial brand opens has the potential to go inactive in the first 12 months. Think about these questions: How much might these onboarding blind spots be costing you right now? More importantly, what can you do about it? 

In this episode, we welcome Har Rai Khalsa, who is on a mission to help banks and credit unions recover business from big mega banks and neo banks, thereby strengthening local financial institutions and the communities they serve.

Join us as we Discuss:

-The Onboarding Experience: Challenges and Solutions (11:41)

-Human Connection in the Age of AI (29:32)

-Practical Steps to Improve Onboarding (37:30)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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What is the most important technology for financial brand leaders to master in the age of AI? While many immediately think of AI as the crucial technology, James Robert suggests that the most vital technology is actually the one between our ears – our minds.

Jennifer Beeston, the number one VA mortgage lender in America and author of "Brain Hacked: How Big Tech Trains Your Brain to Spend, How You Can Fight Back," joins the show to discuss the significance of mental mastery. Jennifer, who has been a guest on the podcast before, shares insights from her new book, emphasizing how financial brand leaders can help their account holders and themselves master their minds. Tune in to gain valuable perspectives on the intersection of technology and human cognition, and learn how to cultivate mental resilience and make more informed decisions in your professional and personal lives.

Join us as we discuss:

-The Role of Social Media in Consumer Behavior (04:33)

-Digital Addiction and the Rise of Social Media "News" (32:39)

-Reprogramming the Mind for Positive Change (43:31)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

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In the latest episode of the Practical Perspectives series, James Robert Lay and Audrey Cannata highlight the often unseen complexities of opening new deposit accounts at financial institutions. They reveal how a cumbersome user experience can overwhelm and even frustrate customers, leading to lost opportunities for banks and credit unions. Through recent secret shopping studies, common patterns emerged showing that many institutions unintentionally add cognitive load—making the process more confusing for customers.

The good news is that simple, actionable changes can make a big difference, such as redesigning comparison tables to clearly present fees, interest rates, and minimum balance requirements. They emphasize the importance of transparency and simplicity, arguing that making essential information easily accessible can significantly reduce customer stress and increase trust.

Join us as we discuss:

-The Three Types of Cognitive Load (9:26)

-Simplifying and organizing different types of accounts (12:16)

-Increasing trust through transparency (17:22)

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

In this episode of "Banking on Digital Growth," hosts James Robert Lay and Audrey Cannata share insights from the book "The Mountain is You." They discuss self-limiting beliefs and self-sabotage, emphasizing how these can impede both personal and professional progress. Audrey shares her immediate connection with the book and discusses self-sabotage as a coping mechanism that prevents success.

Both Audrey and James Robert  discuss their shared journeys with abstaining from alcohol for 100 days to achieve mental and spiritual clarity. They also touch on perfectionism, digital addiction, and the quest for deeper connections.

Join us as we discuss:

-Understanding Self-Sabotage and Its Impact (04:13)

-Self-Limiting Beliefs: Breaking Financial Barriers (32:39)

-Sobriety Journey: Reevaluating Alcohol Consumption (43:31)

You can find this episode 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.

Despite the rise of digital-first and digital-only banking tools, there remains a strong desire for personal interaction in banking. Many people still prefer human interactions because they inherently trust people more than automated systems. In this episode, James Robert shares a live, real-time example of a failed attempt to connect quickly with a person at Frost Bank, showing that despite claims of easy access to human support, actual customer experiences often fall short.

Join us as we Discuss:

-Insights from Website Secret Shopping Studies (03:14)

-Case Study: Frost Bank's Human-Centric Approach (12:44)

-Live Experiment: Testing Frost Bank's Customer Service (20:13)

You can find this episode 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.

A significant issue facing financial brands is the overwhelming number of choices and decisions account holders and prospective account holders face daily. This cognitive load can lead to a poor shopping experience on financial websites, resulting in the loss of millions in loans and deposits.

Jon MacDonald, founder and CEO The Good, and author of Behind the Click, suggests financial brands engage in proactive communication and undergo user testing to understand customer needs truly. Jon joins this episode of the Exponential Insights series to discuss the importance of personalized digital experiences and removing barriers for both types of consumers — "satisficers" looking for quick solutions and "maximizers" seeking detailed information. He also discusses why post-purchase communication is critical to meet customer expectations, fostering positive emotions and encouraging advocacy.

Join us as we discuss:

-Behavioral Insights: Understanding Online Behavior (04:24)

-The Paradox of Choice in Digital Experiences (18:39)

-Optimizing the Post-Purchase Experience (38:08)

You can find this episode 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.

Many financial institutions experience limited conversions when running paid traffic to their campaign landing pages. They invest significant ad dollars but fail to capture and convert leads effectively, leading to wasted resources and missed opportunities for loans and deposits.

To overcome these obstacles, financial institutions should enhance trust by providing clear information about their identity and reliability, display rate information transparently to align with consumer expectations, and offer easily accessible resources like buying guides to nurture leads effectively.

Join us as we discuss:

-Secret Shopping Study Insights (01:28)

-Transparency in Rates (10:30)

-Communication Follow-Up (15:32)

You can find this episode 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.

Over 80% of financial brands lack a clear digital growth strategy, leading to confusion and misalignment among marketing, sales, and leadership teams. This results in organizations getting stuck in cycles of chaos and conflict, unable to effectively address core fears related to change and growth.

The absence of a well-defined digital strategy exacerbates common fears such as fear of the unknown, fear of change, fear of failure, and even fear of success. Join James Robert Lay and Audrey Cannata as they unpack the Digital Growth Blueprint and how one credit union in Texas increased alignment and gained a unified path forward through this roadmap.

Join us as we discuss:

-Identifying and Addressing Misalignment (09:09)

-The Role of Stakeholder Conversations (14:00)

-Transforming Go-to-Market Strategies (19:55)

You can find this episode 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.

Many financial brand leaders often find themselves questioning their role and value within their organization amidst periods of significant change and transformation. This self-doubt is commonly driven by imposter syndrome and a fear that the value they create may not be recognized or needed by their team or organization.

By fostering adaptability and resilience, leaders can transform their self-limiting beliefs, embrace discomfort, and ultimately drive themselves and their organizations toward exponential growth. Join James Robert Lay and Audrey Cannata on this episode of the Digital Leadership series as they emphasize the importance of radical honesty, celebrating victories, and maintaining a growth mindset to navigate and thrive in changing environments.

Join us as we discuss:

-Embracing Discomfort for Growth (06:52)

-Overcoming Self-Limiting Beliefs (17:38)

-The Role of Villains in Transformation (24:19)

You can find this episode 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.

In this episode of the Digital Growth Journeys series, Rob Hoyle, Chief Information Officer at Vantage West Credit Union, shares the story behind HUSTL, a new digital brand specifically designed for freelancers and small business owners. With features like custom project folders, seamless expense tracking, and dedicated customer support, HUSTL helps these entrepreneurs manage their finances more efficiently. The service extends beyond digital capabilities by engaging with the community through in-person events and collaborations, thereby building a stronger affinity with its users

Join us as we discuss:

-Challenges and Lessons in Starting from Scratch (03:29)

-Targeting the Freelancer Market (05:13)

-The Importance of Affinity and Community (14:40)

You can find this episode 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.

Internal misalignment could be costing your bank or credit union millions of dollars. Many financial brands, while confident about their service and experience, may actually be failing to align their internal messaging and strategies. In this episode of the Practical Perspectives series, we’ll discuss a real-world example  of a financial institution struggling with inconsistencies in their product positioning, resulting in missed opportunities and customer confusion.  We’ll share the importance of having a unified internal communication strategy and firsthand experiences with both their own financial brand’s services and as well as their competitors' offerings.

Join us as we Discuss:

-The Importance of Unique Product Positioning (06:21)

-The Power of Perspective and Expertise (17:19)

-Benchmarking for Better Alignment (21:43)

You can find this episode 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.

Despite having access to financial education, the mass majority of people still experience financial stress and anxiety, while struggling with the emotional and behavioral aspects of money management.

This financial insecurity is exacerbated by comparison culture and the constant move of goalposts, leading to a sense of inadequacy and perpetual dissatisfaction. Even high-achieving individuals fall into the trap of not recognizing their progress and feeling stuck. Misconceptions about financial success being solely related to income level further complicate the issue, fostering a sense of hopelessness among those with modest earnings.

In this episode of the Behind the Cover series, Audrey Cannata joins James Robert Lay to dive into the Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness by Morgan Housel. They discuss shifting focus from pure financial literacy to integrating emotional and behavioral insights into financial coaching. By addressing underlying beliefs and behaviors, financial brands can better support their account holders, encouraging small, sustainable steps towards financial confidence and long-term wellbeing. 

Join us as we discuss:

-Behavioral Aspects of Money (05:24)

-Comparison Culture and Social Media (13:19)

-Setting and Achieving Financial Goals (16:19)

You can find this episode 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.

Financial brands often struggle with unseen gaps in their marketing and sales systems, leading to lost loans and deposits. Understanding the "what" and "why" behind consumer behavior is critical, but many financial institutions lack clarity and actionable insights. In this episode of the Exponential Insights series, Carlo Cardili, COO at Alpha Rank, and James Robert Lay discuss a strategic approach to overcoming these challenges by leveraging both big data (what people are doing) and thick data (why people are doing it). This approach helps financial institutions identify and address blind spots, develop a strategic plan tailored to their needs, and implement a continuously optimized digital growth strategy.

Join us as we discuss:

-Understanding Consumer Behavior (05:44)

-Simplifying the Application Process (23:41)

-Re-engaging Abandoned Applications (28:34)

You can find this episode 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.

The commonly held belief that financial well-being is the starting point for achieving overall life satisfaction is misguided. Despite the increased focus on financial literacy and education, financial stress and anxiety are at an all-time high, with many people failing to achieve true financial stability.

The path to true financial well-being begins with mastering one's physical and mental health. Through personal stories and philosophical insights, James Robert Lay and Audrey Cannata emphasize that by improving physical fitness and mental resilience, individuals can create a strong foundation for financial stability. They share practical advice, such as integrating physical activity into daily routines and leveraging Stoic philosophies for long-term mental and financial health.

Join us as we discuss:

-The Five Levels of Wealth and Wellbeing (04:27)

-The Role of Emotions in Financial Decisions (07:33)

-The Interconnectedness of Physical, Mental, and Financial Health (16:46)

You can find this episode 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.

This panel discussion at the CuneXus Symposium addresses key challenges faced by credit unions, such as achieving positive loan growth, fostering loyalty, differentiating lending products, enhancing member experiences, preventing fraud in digital account openings, managing liquidity, expanding digital presence, and adapting to post-COVID member expectations.

Join us as we discuss:

-Audience Engagement and Mindset Shifts (05:12)

-Navigating Digital Transformation (09:58)

-Opportunities and Future Growth (13:59)

You can find this episode 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.

Discover why EQ plus AQ surpasses IQ and how emotional intelligence can drive your financial brand's growth, just as it has for iconic brands like John Deere since the late 1800s.

In this episode of the Practical Perspective series, we will revisit the basics of sowing seeds of trust and nurturing human relationships, essential for guiding both your organization and account holders through complex times. Additionally, we'll explore the science-backed power of positivity, introducing a simple framework to plant and nurture innovative ideas within your team.

Join us as we discuss:

-The Financial Stress Epidemic (09:09)

-The Power of Content and Storytelling (25:26)

-Navigating Change and Embracing AI (37:22)

You can find this episode 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.

AI is creating a lot of buzz across industries, but where are we in the AI hype cycle? Uncertainty about AI’s place in the cycle confuses financial leaders about future growth. These negative emotions are enhanced by the godown curves of the hype cycles and the natural human resistance to change, resulting in burnout and stagnation.

Leaders can effectively navigate transformation journeys by understanding models like the AI hype cycle and change management frameworks. This podcast discusses the significance of human-centric approaches, considering human factors, and maintaining external accountability. Financial brands should prioritize community engagement and continuous learning post-conference to apply insights and sustain momentum. Additionally, financial leaders should focus on mastering their mindset and physical well-being to achieve sustainable growth in the digital age.

Join us as we discuss:

-Stages of AI Adoption (04:40)

-The Kubler-Ross Change Curve (11:39)

-Conference Fatigue and Future Recommendations (19:57)

You can find this episode 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.

Emotional and psychological barriers like fear, imposter syndrome, and perfectionism can severely limit leaders' effectiveness. Leaders often avoid directly dealing with these barriers due to fear of failure, fear of success, or a deep-seated sense of inadequacy. Additionally, there's a widespread reluctance to have honest conversations about these issues, both at work and in personal contexts, leading to a lack of genuine connection and understanding.

Mike Kelly, President & CEO of TeamOnUP and author of Meaning Is the Mission: Understanding the Symptoms of Success and How to Get Dreams Done on Purpose joins the show the share how leaders can develop effective skillsets to transform their teams and organization. He introduces the concept of 'Mission Management' as a framework to instill purpose-driven leadership and concrete methods to bridge the gap between technological advancements and human-centered practices.

Join us as we discuss:

-Exploring the Concept of Mission Management (08:28)

-Understanding Imposter Syndrome (15:56)

-Conflict Avoidance in the Workplace (35:11)

You can find this episode 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.

In an industry where transformational change is necessary for organizations to thrive, leaders often find it challenging to effectively communicate and implement the insights and ideas they gain from conferences and events. This difficulty is fueled by the inherent fear of change and the complexity of translating newfound knowledge into actionable steps for their teams.

By employing the "Exponential Ideas Framework" and creating a community for continuous learning and accountability, leaders can methodically translate their conference learnings into actionable plans. This framework helps leaders capture top insights, decide on key actions, and expand upon their benefits, while emphasizing the importance of storytelling to convey messages effectively.

Join us as we discuss:

-Understanding the Fear of Change (03:42)

-Effective Communication of New Ideas (11:11)

-The Exponential IDEAS Framework (19:09)

You can find this episode 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.

Many leaders struggle to build cohesive, motivated, and resilient teams that drive growth and effectively handle the complexities of today’s rapidly changing workplace. Employees often experience disengagement and burnout, leading managers to incorrectly assume that they need to reduce pressure and expectations, which can further demotivate teams. Disengagement and lack of trust within teams can erode productivity and morale. Without a clear mission and effective communication, teams fail to see the purpose behind their work. Managers often mismanage the balance between autonomy and pressure, leading to inefficient team dynamics.

In this episode of the Exponential Insights series, Scott Albrecht, author of "The Hierarchy of Team Needs," provides actionable insights into creating cohesive and high-performing teams. He offers a structured approach for leaders starting with a strong mission, progressing through trust-building, honest feedback, clear vision, and effective coaching. He reveals how applied pressure and positive reinforcement can persistently drive teams towards excellence, making the transition smoother with resilience and growth mindset principles.

Join us as we discuss:

-Building Trust and Honest Feedback (15:46)

-Creating a Team Vision Statement (25:12)

-The Neuroscience Behind Coaching (30:19)

You can find this episode 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.

The hype around artificial intelligence (AI) has reached a fever pitch, especially in the financial industry. With AI being a hot topic at conferences and among financial brand leaders, there is a growing concern about distinguishing between hype and actual, practical applications.

In this episode of the Practical Perspectives series, a panel of experts share their insights and recommendations on how financial brand leaders can integrate AI with human expertise to lead to better decision-making and customer experiences, unlocking new growth opportunities and ultimately emerging stronger in the Age of AI.

Join us as we discuss:

-Panel Discussion: Understanding AI, ML, and Predictive Analytics (02:32)

-Real-World Applications and Success Stories (06:58)

-Audience Q&A: Data, AI, and Predictive Analytics (23:11)

You can find this episode 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.

There’s a pressing need for financial brands to maintain individuality while navigating the digital journey and customer experience. To address these challenges, organizations need to utilize behavioral economics to craft meaningful customer experiences and adopt a 'yes and' mindset to move from product-based sales to a more human-centric approach.

In this episode of the Digital Growth Journeys series, Josh Cook, CEO of Community Choice Credit Union, shares several unconventional strategies his organization has implemented, such as personalized interactions, digital promotions, and leveraging sponsorships to increase awareness and membership. They’ll also cover the importance of balancing digital and in-person experiences and embracing change to achieve exponential growth.

Join us as we discuss:

-Challenging the Status Quo in Financial Marketing (06:11)

-Redefining Financial Services Through Human Connection (18:27)

-Rethinking Media Buying and Advertising (25:36)

You can find this episode 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.

Change can be daunting. In the age of AI, the rapid pace of technological advancements can feel overwhelming, especially for marketing and sales leaders in financial brands. The challenge lies in understanding how to effectively use AI to unlock new growth opportunities while navigating the complexities and uncertainties that come with these changes.

The fear of the unknown, coupled with the pressure to stay competitive, can create significant stress for leaders. Many struggle to see beyond the immediate disruptions and fail to capitalize on the potential for exponential growth that AI offers. In today’s episode, James Robert Lay offers practical perspectives on how financial brands can navigate the age of AI to achieve exponential growth.

Join us as we discuss:

-AI as a Catalyst for Exponential Growth in Finance 11:22

-Optimizing Conversions with Digital Growth Strategies 21:37

-The Art of Experience Engineering 39:21

You can find this episode 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.

Many individuals and organizations struggle with adaptability and transformation, hindering their growth and success.  In this episode of the Banking on Change series, James Robert Lay and Audrey Cannata discuss the challenges of stepping out of comfort zones, the pitfalls of self-limiting beliefs, and the difficulties involved in personal transformation. 

This episode provides strategies for overcoming these obstacles, such as embracing the Minimum Viable Product approach for rapid learning and iteration, understanding and leveraging different action modes within teams, and the importance of self-reflection and lifelong learning. They advise focusing on what's in your control, leading oneself first, and the continual pursuit of growth both personally and organizationally.

Join us as we discuss:

-The Journey of Writing and Personal Growth (06:52)

-Preparing for Exponential Growth: A Deep Dive (14:18)

-The Importance of Personal Growth in Organizational Transformation (18:17)

You can find this episode 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.

Financial stress and anxiety affects 85% of the population in the United States, influencing health, relationships, and overall well-being. This stress often stems from the burdens of financial expectations and how societal pressures and family narratives can lead individuals to wear financial masks, using money as a tool for external validation rather than a means for genuine fulfillment and security.

In this episode of the Digital Leadership series, Audrey Cannata and James Robert Lay explore the concept of reframing one’s financial narrative. They advocate for integrating emotional aspects of money management into financial education and coaching, emphasizing the shift towards prioritizing intrinsic motivation. Their discussion includes practical advice on fostering a supportive environment for financial growth through understanding and emotional connection, both at a personal and institutional level.

Join us as we discuss:

-Unpacking Money Narratives and Beliefs (05:55)

-The Journey Towards Financial Well-being (22:25)

-The Role of Financial Coaching in Transformation (33:19)

You can find this episode 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.

In the digital age, building and maintaining relationships, especially in the financial industry, is challenging. Many people struggle to keep up with the rapid pace of digital transformation, which can feel overwhelming and intimidating.

In this episode of the Banking on Change series, James Robert outlines practical strategies for leveraging digital tools to build relationships and foster community engagement. He suggests using LinkedIn to connect with local community members, share valuable content, and engage with others' posts. The strategy is not just about promoting oneself but about contributing value, which in turn can help financial leaders become integral parts of their communities.

Join us as we discuss:

-Achieving Amazon Bestseller Status: A Team Effort (03:49)

-The Power of Giving First in Digital Relationships (09:35)

-Practical Steps for Cultivating Digital Relationships on LinkedIn (29:13)

You can find this episode 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.

Entrepreneurs and financial professionals often struggle with a disconnect in communication and understanding. Financial advice typically follows a conventional path that doesn't align well with the dynamic, unpredictable nature of entrepreneurship. This mismatch can lead to entrepreneurs feeling restricted, misunderstood, and poorly served by financial advisors who lack entrepreneurial experience.

In this episode of the Exponential Insights series, Chad Willardson, founder and CEO of PACIFIC CAPITAL, and author of  "Wealth Wired Differently," joins the show offering insights tailored to the unique mindset and challenges of entrepreneurs, encouraging financial professionals to adapt their strategies to better serve this distinct group.

Join us as we discuss:

-The Entrepreneurial Mindset and Financial Advice (04:20)

-Finding Your Niche in Financial Services (12:54)

-Practical Advice for Community Financial Institutions (23:14)

You can find this episode 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.

"How can we effectively guide our long-standing staff, who are accustomed to outdated systems, to embrace the transformative potential of new technology and navigate the overwhelming task of prioritizing digital transformation initiatives amidst limited resources and a multitude of opportunities?"

This is a very common question and one that was recently posed by Zach Eychaner, VP of Digital Experience at ELGA Credit Union. This disconnect can cause stagnation, inefficiencies, and friction in customer experience. And there’s often the overwhelming nature of prioritizing digital transformation initiatives amidst limited resources and a wide array of opportunities.

The solution? James Robert suggests focusing on belief systems and growth mindsets, which can shift from fixed to adaptable. By encouraging exploration, embracing challenges, and nurturing collaboration, financial institutions can transform not only their internal culture but also positively impact their clients' financial wellbeing.

Join us as we discuss:

-Navigating Digital Transformation Challenges (03:23)

-Strategies for Leading Digital Experience and Growth (06:24)

-Fostering a Growth Mindset for Future Success (15:15)

You can find this episode 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.

Many financial brands struggle with losing loans and deposits due to not fully

understanding the customers' online journey. This lack of insight into the real-time user

experience often results in websites that fail to meet potential customers' needs,

leading to poor conversion rates and lost opportunities. Without deep insights into how

real users navigate and feel about their websites, financial brands can inadvertently

create experiences that are confusing, frustrating, or disconnected from user

expectations.

In this episode of the Practical Perspective series "Banking on Digital Growth" podcast,

James Robert Lay and Audrey Cannata discuss key findings from a recent website

secret shopping study aimed at a financial brand. They explore the importance of

understanding the emotional journey of customers through practical, real-time insights

that can drastically improve website optimization.

Join us as we discuss:

-Philosophical Perspectives on Digital Banking (07:51)

-Optimizing the Checking Account Shopping Experience (18:55)

-Leveraging Community and Human Touch in Digital Banking (32:05)

You can find this episode 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.

This episode of the Banking on Change series explores the concept of courage and the importance of mindset in facing exponential change. Drawing from personal experiences and historical examples, James Robert Lay discusses the challenges of adapting to rapid transformation, especially in the context of emerging technologies like AI.

The need for individuals to cultivate a growth-oriented mindset, emphasizes the role of perspective, beliefs, emotions, and habits in navigating change. By understanding the philosophical foundations and practical tools for achieving exponential growth, listeners gain insights into how to thrive in an ever-evolving landscape.

Tune in to explore how courage, mindset, and continuous learning can empower individuals to embrace change and seize new opportunities for growth in the digital age.

Join us as we discuss:

-The Impact of AI on Future Growth and Transformation (09:13)

-Historical Moments of Exponential Change (12:58)

-The Evolution of Technology and Its Impact on Society (20:45)

You can find this episode 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.

The rapid advancement of AI and digital technologies has ushered in significant changes, challenging individuals and organizations to adapt swiftly. Because of this, many people find themselves trapped in the Cave of Complacency,  resisting the change necessary to keep pace with technological advancements.

In this inaugural episode of the Banking on Change series, James Robert Lay gives us a behind the scenes look at the making of his latest book, Banking on Change: The Leader’s Guide to Achieving Exponential Growth in the Age of AI, which provides insights and strategies to help individuals and organizations navigate the complexities of change in the age of AI. The book encourages leading oneself through personal growth and transformation to effectively manage and benefit from the changes AI brings.

Join us as we discuss:

-The Journey of Publishing 'Banking on Change' (04:16)

-The Power of Perspective and Exponential Growth (24:29)

-Mastering Technology and the Mind in the Age of AI (36:44)

You can find this episode 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.

Despite recognizing the importance of communication, there's a growing disconnect between the traditional role of the CMO and the demands of the modern marketing landscape. Many marketing teams are losing sight of the deeper rationale driving their actions. While communication remains central to marketing, there's a danger of overlooking the underlying "why" behind it. CMOs and marketing teams are getting caught up in the technicalities and channels of marketing without fully understanding the purpose behind their efforts.

To address this issue, CMOs and marketing teams must re-evaluate their approach and reconnect with the fundamental purpose of their work. By understanding the "why" behind their communication efforts, they can effectively navigate the complexities of modern marketing and drive meaningful results for their organizations.

Join us as we discuss:

-Understanding Marketing Beyond Ads (03:02)

-Marketing in the Age of AI: Challenges and Opportunities (09:49)

-The Essential Skills for Tomorrow's CMOs (33:13)

You can find this episode 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.

In the present day where rapid evolution is the norm, individuals seek guidance and inspiration to fuel their growth, especially in financial brand leadership. The importance of tapping into the wisdom of remarkable individuals to enhance personal and professional growth journeys is now more significant than ever before.

Guy Kawasaki, chief evangelist of Canva and former Apple evangelist, shares insights from his 16th book, "Think Remarkable." Drawing from the experiences of over 200 extraordinary individuals, including Jane Goodall and Steve Wozniak, Kawasaki's book offers a roadmap for remarkable thinking and actions within the financial industry.

In today's episode of the Exponential Insights series, we uncover the power of remarkable individuals in shaping our journey toward exponential growth as financial brand leaders.

Join us as we discuss:

-Guy Kawasaki's Personal Journey and Influential Figures (13:04)

-The Inevitability of Technological Adoption (23:24)

-Practical Steps to Thinking Remarkably (37:18)

You can find this episode 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.

What are you paying attention to? And are you aware of its subconscious influence in shaping your experiences, decisions, and overall quality of life? 

In this continuation of the Digital Leadership series around TEAM (Time, Energy, Attention, Money) James Robert Lay and Audrey Cannata share practical strategies for individuals and teams to become more aware of their attention patterns and their effects, advocating for a reflective practice to evaluate daily inputs and their alignment with desired outcomes.

They’ll also unpack the cultivation of critical thinking skills, the impact of positivity and optimism on financial health, and the strategic allocation of attention to foster personal and professional growth

Join us as we discuss:

-The Importance of Mindfulness in the Age of AI (04:14)

-The Evolution of Work from the 1800s to AI Era (10:49)

-Cultivating a Positive Mindset in the Workplace (28:59)

You can find this episode 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.

Drawing parallels between personal and professional metamorphosis and an iOS software upgrade, James Robert Lay and Audrey Cannata discuss the significant energy investment required for change, whether on a biological or cognitive level. Their attention shifts to the recognition of routine energy drains and the necessity of pinpointing their origins. Finally, they’ll evaluate the controllable aspects contributing to energy depletion and how to take proactive measures to thrive in the Age of AI.

This episode of the Digital Leadership series sets the groundwork for an exploration of approaches to energy management, emphasizing the interplay between self-awareness, behavioral tendencies, and effective energy conservation strategies.

Join us as we discuss:

-The Science of Energy and Change (13:50)

-Practical Tools for Managing Energy: The Kolbe A Index (19:11)

-Creating a Culture of Deep Work and No Meeting Fridays (32:42)

You can find this episode 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.

This episode of the Practical Perspectives series introduces a transformative strategic thinking framework called "TEAM," which stands for Time, Energy, Attention, and Money. This framework aims to help financial brand leaders optimize their resources and set healthy boundaries to achieve exponential growth personally and professionally.

By addressing these aspects, financial brand teams can better allocate their time, manage their energy levels, focus their attention on critical tasks, and make strategic decisions regarding financial resources. Ultimately, adopting the "TEAM" framework can lead to enhanced productivity, collaboration, and success in the digital age.

Join us as we discuss:

-Introducing the Transformative Strategic Thinking Framework (00:53)

-Investing Time Wisely: A Deep Dive (08:42)

-Time Hacking and Moving Forward (32:55)

You can find this episode 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.

In today's fast-paced and digitally-driven world, financial brand teams are finding it increasingly difficult to navigate exponential change without experiencing mental exhaustion and burnout. The constant demand to be plugged in 24/7 has created a culture where deep, meaningful work and personal well-being are often sacrificed for the sake of perpetual connectivity and immediate response. The mental toll of being always "on" is akin to running a marathon without ever stopping to rest, reflect, or train properly. 

That’s why in this episode of the Practical Perspectives series, we’re sharing a structured framework for time management that includes four distinct types of days: Race Days, Rest Days, Pace Days, and Detox Days. By intentionally scheduling these four types of days, financial brand teams can enhance their productivity, foster a culture of growth and well-being, and navigate the complexities of the digital age with confidence and clarity.

Join us as we discuss:

-Exploring the Four Types of Days for Maximum Growth (07:24)

-Generational Perspectives on Work and Productivity (26:36)

-The Challenge of Digital Detox and Personal Growth (35:03)

You can find this episode 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.

The marketing landscape is continuously evolving, creating uncertainty about the role and perception  of marketing professionals. 

Recent discussions, particularly on platforms like LinkedIn, highlight the shifting sands of the marketing landscape,  which has led to a declining interest in marketing majors or courses across university campuses. 

On this episode of the Practical Perspective series, we’ll discuss the future of marketing and how individuals, teams, organizations can redefine marketing in the Age of AI. 

Join us as we discuss:

-The Decline of Marketing in Academia (02:21)

-Marketing's Identity Crisis and the Role of AI (04:46)

-Embracing AI: Fear, Fight, or Friend? (30:51)

You can find this episode 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.

When it comes to secret shopping your financial brand's website, uncertainty exists regarding the ideal number of users needed for testing and whether more users lead to proportionally greater insights.

On this episode of the Practical Perspective series, we will share expert data about the relationship between the number of users tested and the insights gained through website secret shopping studies. The results might even surprise you!

Join us as we discuss:

-The Power of Website Secret Shopping Studies (5:06) 

-Unveiling the Magic Number for User Testing (11:28) 

-Optimizing Digital Experiences with Strategic Testing (20:27)

You can find this episode 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.

85% of Americans feel anxiety and overwhelming emotions when thinking about their finances, a feeling that affects not only account holders but also those working within financial brands, possibly including the reader or listener themselves. This stress impacts personal health, relationships, and overall well-being, making it a significant issue that needs addressing.

In this episode of the Exponential Insights series, Daniel White, author of "The Financial Freedom System: An Uncommon Guide Designed to Help Individuals Master Their Money and Transform Their Lives,” joins the show to discuss how this system can not only alleviate financial stress but also boost financial confidence, build a strong foundation for financial health, and lead to peace and a brighter future.

Join us as we discuss:

-The psychological impact of money and how to transform it (5:30)

-The Foundation Account: A key to financial stability (11:58)

-The ripple effect of financial stability on families and communities (23:05)

You can find this episode 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.

This episode of the Practical Perspectives series uncovers the critical concept of customer lifetime value (CLV) and how not knowing this key metric can significantly affect a financial brand's success. Discover the intricate relationship between CLV and how understanding this figure can align marketing strategies for an optimized digital experience.

Gain valuable insights into the customer journey, acquisition costs, retention strategies, and the influence of engagement on long-term customer value. Uncover the significance of website secret shopping studies in identifying gaps in the buying journey and learn how organizations can harness the power of data-driven analysis to optimize marketing strategies and drive growth in the digital landscape.

Join us as we discuss:

-The High Cost of Not Knowing Your Customer's Value (6:45)

-Exploring the Impact of Website Abandonment Rates (15:03)

-Practical Steps to Uncover Financial Losses (26:18)

You can find this episode 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.

Navigating change and transformation in the financial industry presents a complex challenge. Leaders and organizations often struggle to adapt, especially with the rapid advancements in AI and technology, risking stagnation and loss of competitive edge. Without effective leadership and a commitment to personal and organizational growth, the gap between current capabilities and the evolving demands of the financial landscape widens.

Jared Freeman, President and CEO of OnPath Federal Credit Union, offers a wealth of insights from his personal growth and transformation journey. This episode not only sheds light on the specific challenges and opportunities facing credit unions but also emphasizes the importance of a clear purpose and visionary leadership. Jared’s dedication, as illustrated by OnPath Credit Union's purpose statement 'Redefining what's possible,' showcases a commitment to enhancing employee well-being and serving members efficiently in a rapidly changing financial environment.

Join us as we discuss:

-Technology's impact on banking and society. (9:39)

-Credit union complacency and the need for strategic thinking. (15:31)

-Parenting, employee experience, and merger opportunities. (33:35)

You can find this episode 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.

Financial brands often face challenges in digital growth due to a lack of awareness about the problems within their websites. Many don't realize they have issues that hinder their digital performance, while others acknowledge these problems but do not feel the urgency to address them. Additionally, some brands feel stuck and unable to make progress, often due to limitations with their tech stack or internal alignment.

Unaddressed, these issues can lead to lost opportunities, frustrated customers, and a decline in digital effectiveness. By engaging in website secret shopping studies, financial brands can gain a deep understanding of digital pain points and stop losing millions in loans and deposits.

Join us as we discuss:

-Financial brands' conversion and lead issues. (6:40)

-Website design and user experience. (12:25)

-Digital secret shopping studies for financial brands. (20:09)

You can find this episode 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.

Many financial brands are navigating the digital landscape with blind spots, as our research indicates that a staggering 85-90% of financial brands have never conducted a website secret shopping study, leaving them in the dark about user experience.

Imagine spending countless resources on designing and maintaining a digital platform, only to find out it doesn't resonate with your target audience or fails to convert visitors into account holders.

By evaluating your website through the eyes of prospective account holders, financial brands can uncover invaluable insights into user experience, identifying pain points and areas for optimization that were previously invisible. This process does not require a complete overhaul of your website but focuses on strategic micro-optimizations that can lead to significant improvements in customer conversion and satisfaction.

Join us as we discuss:

-Website secret shopping and for financial brands. (1:45)

-Website optimization and user experience. (18:10)

-Use cases and practical examples of website secret shopping. (27:33)

You can find this episode 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.

The financial landscape is increasingly being influenced by factors such as technology and global economic shifts. Leaders must adapt to these changes to avoid falling behind, especially as traditional models of operation are disrupted.

Dan Sullivan, founder ofStrategic Coach, joins the show to introduce a framework for understanding these challenges and opportunities for growth. By leveraging insights from his new book, "The Great MELTdown," leaders can identify and act on untapped opportunities for growth. Emphasizing innovation in money, energy, labor, and transportation (MELT factors), financial brands can support entrepreneurs, driving economic expansion and securing their future in the evolving financial ecosystem.

Join us as we discuss:

-US foreign policy and economic shifts. (8:31)

-Entrepreneurial mindset and reducing constraints in business. (21:22)

-The impact of technology on business and finance. (27:16)

You can find this episode 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.

We're seeing a clear split between those who've grown up with the internet at their fingertips and those for whom digital tech is a learned skill. This divide is particularly noticeable in areas like social media and finance, where traditional approaches clash with digital expectations, leading to a disconnect in communication and service usage.

To bridge this gap, it's essential to explore the roots of these differences. Understanding the evolution of technology and its impact on various generations can guide us in developing strategies that resonate across age groups.

Join us as we discuss:

-Digital banking for Gen Z and millennials (6:38)

-Financial brand leadership and digital natives (13:09)

-Financial brands' social media presence and marketing strategies (19:48)

You can find this episode 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.

Financial brands face a critical issue with account holder retention, struggling to maintain the accounts they work hard to acquire, if they are even aware they have a problem. Banks and credit unions invest heavily in acquisition efforts, only to see their gains erode due to poor retention practices.

Kelly Chambers, content strategist and writer, believes that by prioritizing personalized, relevant content and services, financial brands can transform into trusted experts, fostering a sense of loyalty and satisfaction among their customers. This shift towards valuing retention as much as acquisition, coupled with a continuous adaptation to customer feedback, is crucial for cultivating long-term relationships and achieving sustainable growth.

Join us as we discuss:

-Financial brand expectations and retention strategies (4:55)

-Financial brand gaps in digital consumer journeys (19:06)

-Optimizing account holder retention strategies through data-driven insights (31:14)

You can find this episode 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.

When you think of the term "discipline," what comes to mind? Is it a constraint or a catalyst for growth? Particularly in challenging times, discipline might be the key for financial brand leaders to elevate themselves, their teams, and their organizations.

In this episode of the #BehindTheCover series, we Audrey Cannata and I explore "Discipline is Destiny: The Power of Self-Control" by Ryan Holiday, a recommended read for leaders aiming to unlock growth and freedom, not only for themselves but also for those they serve in their financial journeys. Join us as we uncover the pivotal role of discipline in navigating both personal and professional spheres.

Join us as we discuss:

-Self-control and fulfillment in a distracted world (2:12)

-Discipline, attention, and financial freedom (16:43)

-Community, accountability, and personal growth (40:29)

You can find this episode 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.

Storytelling goes beyond just entertainment; it can truly change people. This power isn't just for leadership and personal growth but also helps motivate teams and bring about change in organizations.

Joe Byerly, an active-duty Army lieutenant colonel and the mind behind "From the Green Notebook," discusses how understanding and leveraging the art of storytelling can lead to exponential personal and organizational growth.

This episode is a treasure trove for anyone looking to enhance their storytelling skills, understand their personal narrative better, and use it to lead with authenticity and impact. Whether you're leading a team, building your career, or just love a good story, there's something in this episode for you.

Join us as we discuss:

-Leadership, self-development, and the power of storytelling (7:15)

-Bridging logic and emotion in institutional change (17:24)

-Prioritizing learning and growth for leaders (42:59)

You can find this episode 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.

Facing the challenge of a race, whether in athletics or in the competitive financial industry, requires more than just showing up. Without a solid strategy, you're merely running without direction, risking not achieving your full potential in both physical races and financial growth.

Just as athletes wouldn't dream of tackling a marathon without comprehensive training, financial institutions that leap into market battles without a strategic plan are setting themselves up for failure.

Bryn Conway, principal at BC Consulting joins the show to help guide you through developing a winning strategy to elevate your financial brand. We'll delve into the importance of aligning your actions with a thoughtful plan, examining the latest growth opportunities, and how to adapt in a transforming market. Join us to discover how to not just run, but to race ahead effectively and efficiently in the financial industry.

Join us as we discuss:

-Bridging the logical and emotional sides of marketing (10:28)

-Empowering women through financial coaching and education (17:19)

-Creating a safe space for employees to share their experiences (22:15)

You can find this episode 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.

Financial well-being is often compromised due to a lack of personalized guidance and accountability, leaving many feeling overwhelmed and underserved by traditional banking models. The gap between financial institutions and the personal financial health of individuals widens as services remain transactional rather than transformational, ignoring the emotional and practical needs of consumers.

This episode with Shannon McLay, founder and CEO of The Financial Gym addresses these challenges, showcasing how integrating financial coaching into banking can bridge this gap. Shannon's journey from traditional finance to founding The Financial Gym highlights the power of empathetic, tailored financial advice in transforming lives, offering a blueprint for banks, credit unions, and FinTechs to follow.

Join us as we discuss:

-Financial coaching in banking and FinTech (2:43)

-Financial coaching vs. financial advisor roles (17:13)

-Financial wellness, employee confidence, and coaching (21:16)

You can find this episode 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.

In this episode of the Practical Perspectives series, we uncover the challenges faced by a credit union during its online account opening process, where major friction points led to a staggering 60% of users abandoning their applications. The complexity and frustration of the process were pinpointed as the primary issues. We explore the effectiveness of website secret shopping studies and benchmarking against competitors in identifying gaps in the consumer journey, pinpointing where friction occurs, and optimizing the process. These strategies are crucial for preventing the loss of millions in loans and deposits by making the application process more user-friendly and efficient.

Join us as we discuss:

-Improving online banking application experience (7:19)

-The onboarding process and its impact on revenue (14:48)

-Optimizing financial services through communication and technology (30:16)

You can find this episode 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.

Marketing often finds itself in a tight spot—seen as the event organizers and handling creative materials, but not always recognized for the strategic thinkers they are. This underestimation shadows the true potential of marketing to drive substantial growth and innovation.

Martha Bartlett Piland, founder and president at Banktastic and a visionary in bank marketing, joins the show to dive into this pressing issue. Martha shares invaluable insights on transcending traditional roles and proactively bridging the knowledge gap within organizations. The solution? Embrace leadership, regardless of your title. Engage in cross-departmental collaborations, initiate value-creating conversations, and steer these interactions towards measurable objectives aligned with the company’s strategic goals.

This proactive approach doesn't just elevate the perception of marketing internally; it redefines it as an essential strategic partner capable of driving significant ROI and fostering a culture of innovation and collaboration.

Join us as we discuss:

-Marketing's internal challenges and communication with peers (4:39)

-Marketing value and collaboration with C-suite (7:36)

-Bridging marketing knowledge gap and increasing value (11:51)

You can find this episode 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.

How would you define your relationship with money as a financial brand leader? What about the relationships that your account holders have with their money? And how might financial coaching help every single one of us reframe the relationships that we have with money so that we can all continue to level up our financial confidence?

Expanding on episode 369's insights, Audrey Cannata, Operations Lead at the Digital Growth Institute, shares her transformative financial coaching journey, highlighting the critical role of personalized strategies and actionable steps as well as the emotional and psychological aspects of financial decision-making. Audrey's journey reveals the importance of finding what truly motivates us, leading to sustainable financial habits and a brighter, more confident future.

Join us as we discuss:

-Emotional spending and financial coaching. (13:04)

-Money mindset, accountability, and psychology. (24:04)

-Financial transformation and the importance of self-awareness. (30:42)

You can find this episode 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.

Financial brands struggle to differentiate in a saturated market. Despite having diverse offerings, many institutions fail to create unique, engaging experiences for specific customer groups.

Austin Wentzlaff, co-founder and CEO of Nook, introduces their innovative approach, focusing on niche markets through a combination of lifestyle and financial content. This strategy allows credit unions and banks to create deeper connections and trust with their members, leading to increased engagement and loyalty.

Tune in to discover how you can leverage this approach to transform your financial brand's strategy and create a more impactful, customer-centric experience.

Join us as we discuss:

-Building a niche experience while still leveraging the legacy (6:00)

-Targeting niche demographics in digital marketing (24:53)

-Consistency and focus when creating content for a specific demographic segment (29:17)

You can find this episode 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.

Understanding specific needs of those in the communities you serve is critical, particularly in unique markets like rural areas. But where do you put your focus first? It's the age-old philosophical question of what came first...the chicken or the egg?

Is it on the external digital experiences that will impact both account holders as well as prospective account holders? Or should you put your focus on the internal experience to help other leaders within your organization learn a common strategic framework so that everyone can be aligned?

This is a very common question and one that was recently posed by Cynthia Ramsey, brand manager at Progressive Ozark Bank. Together, we'll discuss how to navigate the delicate balance between providing technology solutions and personal touch in financial services. It's all about building trust...ensuring efficiency without losing the human element.

Join us as we discuss:

-Digital growth and its various definitions within an organization. (3:09)

-Optimizing website traffic and lead generation for financial brands. (11:32)

-Digital growth strategies for banks. (18:53)

You can find this episode 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.

For many, the world of finance is not just about numbers and investments; it's an emotional and psychological battlefield. In this episode, we delve into the world of financial coaching, a lifeline for those drowning in financial troubles. Audrey Cannata, Operations Lead at the Digital Growth Institute shares her journey through financial hardship and the emotional and psychological toll it took on her.

Audrey's story is a testament to the power of financial coaching in navigating the complex world of personal finance. It's not just about making more money or investing wisely; it's about understanding your relationship with money and learning how to make it work for you.

Join us as we discuss:

-What is financial coaching? (4:33)

-Imposter syndrome, and the importance of empathy (13:27)

You can find this episode and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here. 

-Financial coaching program for improving credit score and reducing debt (20:38)

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Financial inclusion is not just a concept; it's a pathway to reshaping how we view prosperity and community engagement. But the financial industry still grapples with the complexities of truly achieving financial inclusion. Traditional models are being disrupted, leaving many organizations searching for effective strategies.

Viola Llewellyn, the founder and CEO of The Tulle Box, joined the show to share how embracing a future-focused mindset, leveraging technology and innovative approaches drive financial inclusion. This shift is not just beneficial but essential for sustainable growth in today's digital era.

Join us as we discuss:

-Digital poverty, cultural beliefs, and financial inclusion. (9:13)

-Effective policy regulation for growth and inclusion. (27:04)

-Digital transformation, human-centered design, and value creation in finance. (36:39)

You can find this episode 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.

There is one word that differentiates financial brand marketing sales and leadership teams who are just dreaming about maximizing their future digital growth potential compared to those that are doing it right now today. Discipline. That's why in this episode of the Practical Perspective series, James Robert Lay gives you three practical ways that you can level up your discipline, so that you can level up loans and deposits going forward into the future.

James Robert highlights the risks of a lack of discipline, such as revenue loss due to gaps in digital buying journeys. He also emphasizes the need for continuous improvement and adaptation, using the metaphor of taking the road less traveled, inspired by Robert Frost's poem "The Road Not Taken." This episode advocates for a disciplined, innovative approach to improve financial brands' digital presence and performance.

Join us as we discuss:

-Financial brand websites suffering from an R&D problem. (9:33)

-Strategies for eliminating digital distractions (13:41)

-Leveling up discipline through cold showers and new insights. (19:47)

You can find this episode 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.

"No" is one of the most powerful words that can unlock future growth for you and for your team. Saying "no" or even "not yet" might just be what you need to level up your loans and deposits at your bank, credit union, or fintech.

In this episode, part of the Real Solutions series, we're joined by Jill Sammons, Senior Vice President of Marketing, Wellbeing, and Wealth Advisory at BCU. Together, we'll dive into how the strategic use of "no" can be a catalyst for growth in loans, deposits, and overall business success. Join us as we uncover practical ways to say "no" with courage and confidence, transforming challenges into opportunities for growth.

Join us as we discuss:

-Overcoming obstacles to growth in a legacy organization (1:27)

-Employee experience, relationships, and technical agility (13:28)

-Leadership and personal growth (20:47)

You can find this episode 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.

Financial brand leaders face the challenge of bridging the empathy gap with both existing and prospective account holders. This issue is compounded by internal perspectives and resistance to change.

On this episode of the Real Solutions series, Jonathan Clay, a skilled data analyst at Louisiana Federal Credit Union, joins the shows to discuss the challenge of balancing individual responsibilities and shared goals within his organization. Jonathan and James Robert how conducting website secret shopping studies has been instrumental in understanding the consumer's mindset, while also acting as an objective outsider, has helped his team gain clarity and alignment.

Join us as we discuss:

-Obstacles to growth and the importance of perspective. (1:33)

-Collaboration vs cooperation in digital transformation. (5:35)

-Optimizing online banking experience through member feedback. (12:07)

You can find this episode 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.

Does the word "philosophy" take you back to a monotonous college lecture that was a struggle to sit through? Well, today's episode is set to change that perception. We're not just talking about philosophy in the abstract; we're diving into how its ancient wisdom, surprisingly practical and relevant, can revolutionize the way banks, credit unions, and FinTech companies operate and thrive in this age of AI.

Nikos Ntirlis, RevOps Manager at Databox, brings a unique perspective on utilizing philosophical principles as a strategic asset. Together, we'll uncover how philosophical thinking can empower you as a leader to guide your team confidently through the complexities and challenges of today's turbulent financial landscape

Join us we discuss:

-Building reputation and trust through ethos, pathos, and logos. (7:24)

-Long-term growth and measuring success in marketing. (14:23)

-The importance of reflection and self-awareness in personal and professional growth. (33:48)

You can find this episode 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.

Imagine it's early 2020. The world is about to enter an unprecedented period of lockdown due to COVID-19. Your credit union is facing not only this global crisis but also an impending merger, the launch of a new brand, and the daunting task of building and continually optimizing a website to support various business lines. Overwhelmed? Stressed?

In this episode of the Digital Growth Journeys series, we're delving into the story of Sara Williams, the marketing director at Skyla Credit Union, and her team's incredible journey through these tumultuous times. Sara shares the pivotal lessons they've learned, the strategies that have driven their success, and how they've transformed challenges into opportunities for substantial growth.

Join us we discuss:

-Marketing strategy, automation, and data analysis. (13:52)

-The impact of digital secret shopping studies. (26:41)

-Personal growth and leadership development. (31:23)

You can find this episode 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.

Many marketing teams within banks and credit unions struggle with integrating new technologies like AI and adapting to changing member behaviors.

Adam Remshifski, VP of Analytics and Digital Marketing at American Heritage Credit Union, shares his journey of evolving the marketing department to meet these modern demands. However, adapting to these changes while maintaining growth is an ongoing struggle, especially as member behaviors and market dynamics continue to evolve.

In this episode of the Real Solutions series, James Robert Lay provides valuable insights and real-world case studies to navigate the complexities of digital transformation and team expansion.

Join us as we discuss:

-Marketing challenges and emerging technologies. (4:56)

-Navigating change in financial services. (8:11)

-Digital growth strategies for financial brands. (11:42)

You can find this episode 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.

Traditional market research in finance is heavily focused on quantitative data, neglecting the nuanced emotional factors that influence customer choices. The gap between logical reasoning and emotional influence in financial decision-making leads to ineffective marketing and customer engagement strategies.

Grant Gooding, founder and CEO of Proof Positioning, believes the answer lies in emotional market research: Understanding the emotional drivers behind financial decisions can revolutionize marketing strategies in the financial industry. Financial brands can leverage emotional insights to create more resonant marketing messages and product offerings, leading to increased customer loyalty and better financial outcomes.

Join us as we discuss:

-Understanding consumer behavior through neuroscience and research. (3:03)

-Decision-making and marketing strategies in the financial industry. (7:06)

-Emotional connections in financial branding. (16:55)

You can find this episode 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.

Is financial coaching a path toward future growth at your bank, at your credit unit, your FinTech? Are there strategic elements that need to be put in place before a financial coaching program can be developed and then expanded?

On this episode of the Real Solutions series, James Robert Lay highlights the transformative potential of financial coaching. He dives into the challenges and opportunities of integrating genuine financial education into organizations, moving beyond mere product pitches to empower and educate communities financially.

Join us as we discuss: 

-Financial coaching and attention economy (5:00)

-Building community in the digital world (10:17)

-Creating a financial journey through content and curriculum (16:18)

You can find this episode 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.

Digital leadership transcends technology. It's about a human-centric approach that enables individuals to achieve new growth levels. This includes being open to continuous learning, prioritizing team dynamics, and fostering a culture that values innovation and human connection.

In this episode of the Digital Leadership series with Audrey Cannata, Operations Lead at the Digital Growth Institute, we explore four strategies for digital leaders to help others unlock and level up their growth potential in a digital world.

Join us as we discuss: 

-Remote work, empathy, and digital leadership (5:47)

-The importance of transitioning from one conversation to the next (18:21)

-Leadership, growth, and letting go (29:14)

You can find this episode 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.

In today's rapidly evolving financial landscape, the challenge isn't just about adopting new technology, but also about fostering a culture that embraces empathy. Why is this so crucial? Because a positive, empathetic culture directly impacts growth, innovation, and customer relationships in banking, credit unions, and fintech.

In this episode of the Heart of Growth series by Nymbus, SVP of Development Services, Ashlie Jenkins, discusses how empathy and humor can be game-changers in creating such a culture.

She shares insightful strategies for leaders seeking to drive growth and adapt to the digital era. 

Join us as we discuss: 

-Workplace culture, empathy, and safety (4:27)

-Using humor to navigate uncomfortable conversations (14:34)

-Embracing change and creativity (25:26)

You can find this episode 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.

According to the Wall Street Journal, there is a significant disconnect between CMOs and CEOs. This is compounded by the rapid evolution of consumer behavior and technology, leaving traditional marketing strategies outdated and ineffective. This disconnect leads to a lack of understanding and appreciation of the role of marketing, often relegating it to a tactical implementer rather than a strategic influencer. 

On this episode of the Practical Perspectives series, James Robert Lay shares practical ways to bridge this gap, including a cross-functional approach, where marketing, sales, and service teams collaborate to create a cohesive growth strategy. 

Join us as we discuss:

-Marketing perspectives and growth in a digital-first world. (10:00)

-Transforming marketing through data-driven insights. (17:37)

-Breaking down silos in organizations through coaching cohorts. (28:49)

You can find this episode 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.

One of the primary challenges faced by financial institutions today is the growing digital disconnect between them and their customers. This disconnect is fueled by a lack of understanding and empathy towards customers' emotional journeys, especially in times of financial stress. The failure to address this gap can result in lost opportunities, decreased customer satisfaction, and an overall decline in competitive advantage.

To bridge this digital empathy gap, James Robert Lay, host of the Banking on Digital Growth podcast, emphasizes the adoption of a more customer-centric approach, integrating emotional intelligence into digital banking strategies. Implementing these strategies will not only enhance customer experience but also drive growth, build long-term loyalty, and establish a strong competitive edge in the rapidly evolving financial landscape.

Join us as we discuss: 

-Financial anxiety and the need for digital empathy. (5:42)

-How to bridge the "digital empathy gap." (10:10)

-The role of communication and marketing. (17:54)

You can find this episode 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.

In the Age of AI, organizations face the challenge of undergoing various transformations - digital, marketing, sales, brand, and cultural. However, a critical aspect often overlooked is the human transformation, which is essential for both the institutions and their account holders.

This episode of the Banking on Digital Growth podcast, featuring David Dibble, author of  "The New Agreements in the Workplace," will explore effective strategie s to unlock and release the human spirit, aligning human transformation with organizational changes. This approach promises to guide banks, credit unions, and fintech companies along a path of holistic growth, ensuring that their transformations are as human-centered as they are technologically advanced. 

Join us as we discuss:

-Unlocking human potential in the workplace. (13:15)

-Balancing emotional energy and logic in personal and professional growth. (21:31)

-AI's impact on society and human transformation. (32:44)

You can find this episode 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.