James Robert Lay

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Recent Posts


The Commoditization Trap and How Your Financial Institution Can Escape It

Financial brands are leading people through this post-COVID world.

They are the shining light for...


How Your Financial Brand Can Generate More Digital Loans and Deposits Without Doing More

I am often asked, “What do you suggest is one thing that we should start doing to generate even...


Three Steps to Prepare for Your Digital Growth Journey

When it comes to kicking off a digital growth journey, one of the most common questions I receive...


Meaningful Metrics: Tracking Conversions at Your Financial Brand

We’ve talked time and again about financial brands getting stuck “doing” digital and not creating...


Digital-Disruption: What Your Financial Brand Can Learn from the Entertainment Industry

Close your eyes for a moment. I want to take you back to the year 2007. 

What was life like for you...


Three Future Growth Pitfalls Holding Back Your Financial Brand

“I feel alone. I can’t get my team to understand the value of digital growth. There are people...


Missing This Important Update to Google’s Digital Advertisement Policy Could Cost Your Bank or Credit Union

Effective: October 19, 2020


Confront Digital Denial With Confidence at Your Financial Brand

Digital Denial.

It might be the single biggest mistake your financial brand can make. In fact, it...


Four Ways to Kickstart Digital Growth at Your Financial Brand

If you were to gather your entire organization into your boardroom at the same time (or in this...


Banking on Digital Growth: A Strategic Marketing Manifesto for Banks and Credit Unions

In May 2019, when I started writing Banking on Digital Growth, my primary goal was to educate and...


5-Step Post-COVID Digital Communication Strategy for Banks and Credit Unions

There are a lot of things about the future that are uncertain. 

The days of promoting and pushing...