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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. Connect with 👉 JR / jrwlay Connect with Derik 👉 / derikkrauss 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blind spots to the hard truth of The Innovator’s Dilemma, James and Derik unpack how banks and credit unions can escape outdated thinking—and why the website must be the starting point. Find & fix your biggest website conversion leaks 👉https://www.digitalgrowth.com/ Topics: 00:00 Welcome and Introduction 00:50 Reflecting on 1999 and Changes in Financial Services 02:00 The Pre-Internet Growth Mindset 04:35 The Rise of Digital Banking 05:48 Personal Banking Preferences and Generational Differences 11:33 Challenges for Traditional Financial Institutions 20:51 The Innovator's Dilemma in Banking 25:43 Practical Steps for Digital Transformation 34:06 Niche Digital Brands and Future Strategies 37:32 Final Thoughts and Call to Action #Mindset #personalgrowth #brain #DigitalMarketing #CustomerJourney #ConversionRateOptimization #Banks #Banking #Creditunions #Bankmarketing #Financialbrands #FinTech #DigitalGrowth #FinancialServices #BankingIndustry #CreditUnionLife #FinanceTech #DigitalBanking #FinancialMarketing #BankingTechnology #DigitalTransformation #FinancialInnovation #BankingSolutions #FintechTrends #DigitalFinance #BankingStrategies #FinancialTech #BankingInsights