James Robert Lay

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Recent Posts

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.”...


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


A Strategy for Standing Out in the Crowded World of Fintech

"It isn't really a strategy if everyone else would choose to do it, right? That just means it's...


Financial Brands, Are You Banking On Your Communities?

"A thriving community is the seedbed for a thriving financial institution.”  -Jeff Marsico


Unimpressive Customer Service vs. The Ultimate Customer Experience

"In the digital space, I like to operate under the umbrella of the persistent pursuit of the...