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  • 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.

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  • 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.