Traditional banks and credit unions are struggling to stay relevant in an increasingly digital world. While consumers flock to neobanks and fintechs for speed, convenience, and personalization, many community institutions remain anchored to branch-first models and legacy mindsets.

James Robert and Derik unpack why going “digital” isn’t just for startups—it’s a strategic path forward for community-based institutions too. They explore how embracing a digital-first (or even digital-only) model can help banks and credit unions unlock growth, reduce operational drag, and reconnect with modern consumers—without losing the human touch that makes them special.

Hosted by Ausha. See ausha.co/privacy-policy for more information.

Most financial brands are still designing websites for people. But the web’s changed—and fast.

In this episode, Derik Krauss joins James Robert Lay to unpack why the real “visitors” to your site are no longer just humans, but AI agents like ChatGPT and Perplexity acting on their behalf. They explore what this means for discoverability, trust, and conversion in an age where the “Do-It-For-Me” economy is accelerating.

You’ll learn how to start building an “agentic website” designed for both humans and machines—and why failing to adapt may render your brand invisible to the next generation of digital decision-makers.

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.

Most financial institutions struggle to measure what really matters in their marketing. They track impressions, clicks, and followers—but not meaningful outcomes like loan conversions, account openings, or user friction. This leads to wasted budgets, unclear ROI, and missed opportunities to optimize the digital experience.

Without clear, actionable analytics, marketing becomes a black box. Leadership gets frustrated. Teams lose confidence. And worst of all—growth stalls because no one can see what’s actually working. In a time when budgets are tight and expectations are high, guessing is no longer a viable strategy.

James Robert and Derik explore how financial brands can transform marketing from a cost center into a growth engine by measuring progress in smarter, simpler ways. From high-level KPIs to on-page performance insights, they unpack what to track, why it matters, and how to start seeing through the noise to what actually drives growth.

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.

Most marketing teams are stuck in a turf war—and it’s costing financial brands real growth. On one side, brand teams are chasing awareness. On the other, performance marketers are pushing for conversions. Both mean well. But without a shared strategy, they're pulling in opposite directions—and the only real result is internal competition, wasted budget, and missed growth opportunities.

In this episode of the Banking on Digital Growth Podcast, James Robert Lay and co-host Derik Krauss return to bridge the divide between art and science in financial brand marketing. They unpack how collaborative cultures, rooted in testing and iteration, transform subjective ideas into measurable outcomes. You’ll learn how to turn gut-based marketing into data-driven performance, why AB testing isn't just for emails, and how small conversion lifts can lead to million-dollar gains.

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.

Digital marketing in many financial institutions still leans heavily on the art—intuition, creativity, and guesswork—while neglecting the science of performance data, testing, and iterative optimization. As a result, efforts often lack measurable ROI and fail to meaningfully move the needle on loans and deposits.

The stakes have never been higher. Digital noise is at an all-time high. AI is flooding the market with more content than ever before. If marketing is not grounded in data and constant experimentation, it's just decoration—pretty, but ineffective. Financial brands that ignore the science behind digital growth risk wasting budget, losing trust, and falling behind competitors who are measuring what matters and learning faster.

James Robert Lay and Derik Krauss explore how financial brands can integrate the art of storytelling and design with the science of data, testing, and behavioral insight. They’ll introduce a balanced approach—combining empathy-driven messaging with A/B testing, conversion tracking, and funnel optimization—to drive smarter, more scalable results.

Join us as we discuss:

-The Importance of Measuring Marketing Success (5:07)

-Practical Steps to Integrate Science into Marketing (11:58)

-15:43 Conversion Funnels and Their Impact (15:43)

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.

Let’s be honest—too many financial brands are still operating like it’s 1999. Websites stuck in the past. Strategies rooted in branch-first thinking. Growth models that haven’t evolved with consumer expectations. In this reboot of Banking on Digital Growth, host James Robert Lay is joined by new co-host Derik Krauss, co-founder of MetriFi, for a no-holds-barred conversation about what it really takes to lead in a digital-first world.

If you're tired of hearing "digital transformation" without seeing real action, this episode is your wake-up call. From the hidden cost of digital blind spots to the hard truth of The Innovator’s Dilemma, James and Derik unpack how banks and credit unions can escape outdated thinking—and why the website must be the starting point.

Join us as we discuss:

-The Pre-Internet Mindset in Financial Institutions

-Personal Banking Preferences and Generational Differences

-The Innovator's Dilemma in Financial Services

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.

You’re not alone if you’ve felt stuck, burnt out, or just plain frustrated with all the “talk” around digital transformation in banking. After nearly 500 episodes, James Robert Lay took a much-needed break—not from the mission, but to rediscover it. In this raw and revealing comeback, he opens up about the personal and professional crossroads that led to hitting pause and the powerful insights gained during that time.

Tune in to hear the truth behind the break, the future of the podcast, and how you can finally move from talk to action in the age of AI.

Join us as we discuss:

-A Call for Change

-Launching a New Venture

-Exciting Collaborations Ahead

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.