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The Digital Banking Podcast is powered by Tyfone. Tyfone is a dramastically better digital banking provider. Our appeal is unique, we collaborate closely with our customers and the banking ecosystem in an open approach coupled with a powerful user experience that helps “get things done”! On our podcast you will hear how digital banking plays a leading role for community minded financial institutions from the unique perspectives of our industry expert guests.
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The banking industry is undergoing a radical shift, one driven by new competition from fintechs, changing business models, mounting regulation and compliance pressures. Join us on Digital Banking Trends in Asia-Pacific by Temenos, a podcast where we speak to industry experts and practitioners to help banks chart a clear path forward to attain digital transformation.
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Banking on Digital Growth

James Robert Lay

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If you’re part of a financial brand marketing, sales, or leadership team, you know the entire industry is in the midst of exponential change fueled by new technologies. Consumers now make purchase decisions long before they walk into a physical branch location, if they walk into a branch at all, while mobile banks, digital lenders, and fintechs have transformed traditional growth models rooted in legacy broadcast marketing and branch sales strategies.Get ready to gain practical insights, pro ...
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show series
 
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 m…
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In this enlightening episode of the Digital Banking Podcast, Josh DeTar welcomed Monique Little of First Tech Federal Credit Union and Nate LaMora of Ground Up Coffee Shop. The trio discussed the innovative collaboration between a credit union and a local coffee shop designed to empower students and support community financial institutions. Through…
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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 origin…
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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 address…
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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 perp…
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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 thi…
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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 in…
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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 th…
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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 experienc…
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In this episode of the Digital Banking Podcast, host Josh DeTar welcomed Brian Kaas, Managing Director at TruStage Ventures, for an insightful discussion on the intersection of fintech investments and community financial partnerships. Drawing from his rich background, Kaas shared his experiences and the significant role that venture capital plays i…
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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 bet…
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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…
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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 o…
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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 of Strategic Coach, joins the show to introduce a framework for understanding these challen…
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In the latest episode of The Digital Banking Podcast, Josh DeTar welcomed Sarah Snell Cooke from The Credit Union Connection. They embarked on a discussion about Cooke's transition from journalism to becoming a credit union advocate. Cooke's unique insights into the challenges and opportunities within the industry were a focal point. The episode al…
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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…
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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, …
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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 i…
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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 …
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In this episode of the Digital Banking Podcast, guest Ning Duong, Chief Operating Office of Credit Union West and host Josh DeTar discuss the progressive approach of Credit Union West towards empowering next-generation leadership and prioritizing employee well-being. The discussion revolves around the organization's commitment to nurturing next-gen…
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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 co…
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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 th…
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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 effectivene…
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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…
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In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Sanjib Kalita, the Head of Industry for Fintech Meetup, an annual conference that brings together fintechs at all stages of development and financial institutions from across North America and beyond. Kalita shared his extensive experience in the fintech industry, discussing t…
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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 epi…
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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…
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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 prospe…
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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 …
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In this insightful episode of The Digital Banking Podcast, host Josh DeTar welcomed Bill Kennedy, an experienced credit union executive currently at 4Front Credit Union. Kennedy, with over 35 years in the credit union sector, shared his unique journey in the industry. Starting out as a talented golfer hired by a bank to win tournaments, he accident…
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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 fo…
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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 …
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"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, We…
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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 c…
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In the latest episode of The Digital Banking Podcast, host Josh DeTar welcomed Dr. Siva Narendra, CEO and co-founder of Tyfone. The episode centered around the digital transformation thought leader Dr. Narendra’s look back on 2023’s biggest moments in banking and technology, and his predictions for 2024 and beyond. DeTar and Narendra discussed the …
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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, a…
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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…
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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 c…
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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 Po…
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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 coach…
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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, O…
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In this episode of The Digital Banking Podcast, host Josh DeTar welcomes James Burke-Frazier from Jack Henry, highlighting his genuine passion for credit unions and service. Burke-Frazier, affectionately known as JBF, is celebrated for his authenticity and dedication to finding solutions that align with the core mission of credit unions. His approa…
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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 t…
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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 …
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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, dec…
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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 D…
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In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Sarah Howell, the Head of Partnerships for Infinant. The discussion began on a heartfelt note, addressing the devastating fires in Lahaina and their impact on Sarah's family. The Hawaiian community's resilience and the overwhelming support they received from various quarters, …
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Today's financial landscape is fraught with rapid change and unpredictability. Leaders within banks, credit unions, and fintech firms are seeking footholds in this shifting terrain, striving to provide a clear vision and steady path forward. In this episode of the Digital Leadership series with Audrey Cannata, Operations L ead at the Digital Growth…
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The financial industry, particularly community banks and credit unions, face challenges in adapting to digital transformation. Many of these organizations struggle with staying competitive and relevant in a rapidly evolving digital landscape, where traditional approaches are becoming less effective. Matt Vance, FVP of Marketing & Product Strategy a…
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It's no secret the digital landscape is evolving rapidly, and staying ahead is no longer a luxury—it's a necessity. Customers demand seamless digital experiences, competitors are leveraging AI to gain an edge, and internal processes are crying out for automation. Meanwhile, your sales and marketing strategies might feel stuck in a pre-2020 world, a…
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