James Robert Lay

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Recent Posts

Why Neo-Banking is a Natural Fit for Freelancers

“I think we're just at the earliest stages of people really monetizing all of their interests and...

Pursuing Progress, Not Perfection, for Your Financial Brand

“There’s no such thing as a perfect strategy. I think putting people first is extremely important,...

Why Tiny Habits Make a Big Difference at Financial Brands

“The easier a behavior is to do, the more likely you are to repeat it, and then it'll become a...

Voice Banking Means the Future Is More Conversational

Do you have a smart speaker at home? Do you use voice notes to send quick messages to friends and...

Outstanding Onboarding: The Key to Keeping Your Customers Loyal

“Most businesses are structured around acquisition, not the customer experience or retention.” ...

The Internet Cookie Is Crumbling. What’s Next?

"In a cookie-less world, email and mobile numbers have the potential to become the new universally...


Time Out! Your Financial Brand Needs a Coach

“Always tell the truth. I think it can be difficult when you’re working, especially in a...


The 90-Day Growth Methodology to Achieve Exponential Growth

"How can we best plan for future growth in a world that is unpredictable and full of change?"



A Tech Solution That Eases the Stress and Struggle of Student Loans

"The number one problem facing borrowers is clarity.”  -Bobby Matson


Boring But Beneficial: Digital Risk Management for Financial Brands

"Once you start uncovering and going a little bit deeper, that's when you're going to find the...


3 Questions You Must Ask About Digital Growth at a Financial Brand

"Remember, digital marketing is simply tactics.”  -James Robert Lay