Banking on Digital Growth
Banking on Digital Growth

Episode · 6 months ago

105) #ExponentialInsights: Content Creation: The Skill of the Decade

ABOUT THIS EPISODE

Content creation will be the number one most in-demand skill over the next decade.

If you want to maximize your digital growth potential, you need to master creating killer content.

But where do you start?

To answer that, I turn to someone who has built an incredible brand YouTube with phenomenal content: Jennifer Beeston, SVP of Mortgage Lending at Guaranteed Rate.

She joins the show to share the insights she picked up along the road to 4.5 million views on YouTube.

We discuss:

- Why YouTube can help you maximize your digital growth potential

- Why you need to work with compliance when launching your content

- Why it’s not about the views, it’s about the conversion

Check out these resources we mentioned during the podcast:

- Jennifer’s YouTube

You can find this interview and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here.

Listening on a desktop & can’t see the links? Just search for Banking on Digital Growth in your favorite podcast player.
 

In my industry. People are sodesperate for basic information because the stuff that and if banking, credit hum marketing. People are listening to this, the stuff they they've been delivered is bullshit. You are listening to banking on digital growth with James Robert Lay a podcastthat empowers financial brand, marketing, sales and leadership teams to maximize their digitalgrowth potential by generating ten times more loans and deposits. Today's episode is partof the exponential insight series, where James Robert Interviews the industry's top marketing,sales and FINTECH leaders, sharing practical wisdom to exponentially elevate you and your team. Let's get into the show. Greetings in Hello, I am James RobertLaigh and welcome to the one hundred and five episode of the banking on digitalgrowth podcast. Today's episode is part of the exponential insight series and I'm excitedto welcome Jennifer beast into the show. Jennifer is a nationally known mortgage originatorwho has built a brand around the ability to make the mortgage process easy tounderstand was zero stress. She's been ranked a top one percent Linda in thenation she's licensed in forty six states and has been ranked forty five in thenation and by National Mortgage News. She's also been featured in articles by USNews, business insider time, NBC News and countless others, and her passionis exposing nonsense and lender lies. As Jennifer has created a library of mortgageeducation on Youtube, which is received the Tom Fairy bombomb video award for consumereducation videos in two thousand and nineteen, and that's exactly what we're going totalk about today, using Youtube to maximize your digital growth potential. Welcome tothe show, Jennifer. Thank you for having me. Yeah, I'm excitedabout this conversation and I'm just curious for you. What is one thing thatyou are excited about right now, personally or professionally? Your pick. Oh, that's a good question. I'm excited for the market to change so thathow buyers can get into houses again without having to, you know, beateach other down in the street. Yes, yes, yes, it's it's beenan interesting time, to say the least, and your right. Thingsare things are coming, things are changing and when we think about things changing, your journey, you've just crossed twentyzero subscribers on Youtube. You have morethan tenzero following you on instagram on Linkedin, plus another seven thousand on twitter,putting your total audience at about Fiftyzero people who are following it. Andlet me put that another way, Fiftyzero people have subscribed to your content,looking to you to help make the mortgage process easy to understand, with withthe zero stress. Before we get to...

...where you are today, I wantto go back in time when you were a clueless first time a home buyer, ending up Max qualified, eating top Rawmin at your house because of aburden instead of benefit. What happened to you? Let's go back in yourmind. What happened here? That sparked you on a journey to educate yourclients so that they could understand what they're getting into in the first place.Yeah, that was a miserable, miserable time, and you definitely know myhousing should be a benefit and not a burden, and I find that withanything, when you live through it, you know it better than anyone who'sread about it or seeing it in a book. So you know, Iwas the first time homebuyer before I was in the more industry. I actuallywasn't even on the loane. I was as stayathome mom, and my husbandand I at the time decided we wanted to move those whose work and wewere so excited and we talked to the lender who my sister had used.My sister's really smart she's a mortgage lender now too, and we just said, hey, you know what, what do we qualify for? Right,and that's that's what everybody does. What do I qualify for? Those arethe that is the worst question to ever ask the lender, unless you knowwhat type of lender you're dealing with. Right. And in this case theMOMS like Oh, yes, of course, and like you know, bad onus that we didn't really go okay, let's look at the math. Wejust thought, Oh, professional says we qualify, we must qualify.You know what I've said in a million times. I will never forget thatday going to the mailbox. I had a baby on my hip and Ialmost drop to him and it was because I opened up the mail and Isaw the and I was like, Oh my God, and we hadn't takeninto how much property taxes were going to be. Oh Yeah, the firstyear is a homeowner. I actually threw away the property tax bill like threetimes because it's the guy's last name was Ford, so I thought it wasa Ford dealership. Horrible. So No, you know, I was clueless.I didn't know anything. You know, my my husband at the time,you know if he has my ex now we're good friends. He wasjust like, oh well, he said we could qualify, and no onereally reads paperwork, like even my clients who've seen me a million times onYoutube. I'll still say them. Guys, I can tell you didn't read thedisclosures. Can you please, please read those? Like I know alot of its boiler plate, but for the love of God, read thedisclosures, because as someone who went through that experience, I mean it's ahuge reason why I'm in the mortgage industry to begin with. I couldn't bea state at home long anymore, you know, which, which was goodin the end, but that's how I ended up in mortgages because I waslike, okay, you know, there's a better way to do this andthere's a way to make it so that people don't have to make these typesof life choices. And you know,...

...throughout my career and mortgages, youknow if anyone's in banking, there's a lot of way with mortgages to kindof lose your way and just go after the money. Yes, and youknow, my path has been to really educate, educate, educate, andall those clients over it all the time because they want that house coort experiencethat I'm not willing to be a part of. So I really appreciate thisbecause one of the big lessons that we teach, and I've written about inbanking on digital growth, is the need to help first and sell second.And you come at this with a lot of empathy because you've been there,you've lived it, you've experienced it, and I think that's what has madeyour personal story that much more relatable on the other side of the table.And so let's let's flash forward a bit. The day is January, twenty seven, two thousand and seventeen, a little more than four years ago,and this was the day that you started your youtube channel that is now receivedalmost four point five million views, and at this time you are where manyof our listeners are today, no matter if their personal brand is something thatthey're thinking about building. Maybe they're in mortgages, maybe they're in small business. Maybe they're a branch manager or they're looking to grow. That what gaveyou the courage to start down this journey to begin with, recording and uploadingvideo content to Youtube, when you had zero subscribers and zero views? Probablypersistence and ignorance. Now, look, it's really hard to start. LikeI love my old videos because they make me laugh so hard. You know, at first I was doing really heavy. I don't wear makeup, I don'tknow how to wear makeup. Like every time I try to put onmakeup I look like a clown and my first videos I literally look like it'snuts and it's so stilted and horrible. It's like, hi, I amJennifer Beaston. Today we're going to talk about what a mortgage it. They'rehorrible, but you know, the processes is that to get to somewhere thatyou're comfortable, you have to just embrace okay, what's the end goal here? And I had a couple different end goals I was working towards. Likeyou need to have that in mind because if you're going to go after socialmedia or anything else and you're exciting instant results, you'll get a few patson the back, you know, in the mortgage industry, from realtors anda couple clients. But for the long term gains, you gotta just staythere and just accept defeat. And you know, with views like even nowI have a bunch of subscribers, like I have a big business. Istill have no idea which videos will do well, but I have to remindmyself. Hey, Jennifer, you know you got five hundred views on thatvideo, but five hundred views is just...

...like five hundred people's walking into yourstore. How would you feel if five hundred people walked into your office ina day? Yes, yeah, and I think that's the key. Ithink number one it's courage and then I think number two it's that ongoing recommitmentand that consistency that ultimately will build confidence over a period of time. Andif you think about it's been a four year journey. And just I meanjust this morning I got an email from Jim Moruse, who has been friend, he's been a guest on this show, and he sent something over from GaryVander Chuck and he said that the number one gary did, the numberone in demand skill for the next ten years is going to be those thatunderstand the power of content creation. And so let me ask you, whenthings get tough, when that seed of doubt comes into your mind, ofyou know, why are you doing this? Like how do you how do yousilence that voice? Because that's I'm telling you from the conversations that I'vehad, that voice is what keeps so many people from a starting or becontinuing through the dips and the lows. You got to get over yourself.I mean that's a bottom line. So many people like, because I talkedto like signs of mortager Jais and are like, Oh, well, youknow, if I look like you, Jen I would do it, andit's like it has nothing to do with that, nothing, and like there'sthere's some people who are like, well, I felt a great video, butI didn't like my outfit. No one cares about your outfit. Knowingthey're looking for. You need to know what they're looking for. In yourindustry and my industry, people are so desperate for basic information because the stuffthat and if banking, crediting, marketing people are listening to this, thestuff they they've been delivered is bullshit. I'm sorry, no, it is. It is and I and I'm right there with you, and that's whyI always look, you know, for particularly the home buying journey. Alwaysare looking at more of those working in the mortgage business to try to transfersome of that knowledge back into the bank and crediting space, which can thenbe duplicated into the small business space as well. And here's the thing.You know, when when you're looking at buying a home, I relate financesand financial services very closely to healthcare. When you're sick and your symptomatic,we all go to Google. We Google those symptoms. That's a double edgedswore, because knowledge can definitely power, but knowledge can also scare the hellout of us or or create even further confusion or actually make us make verybad decisions, like like in your story here. Just because you qualify fora mortgage at x amount does not mean that is it going to be thebest fit and can create more pain than...

...it wouldn't joy. And so whenyou when you look at this journey here and going from zero subscribers, zeroviews, up to Twentyzero on Youtube with four point five million and four years, what has that journey look like? What does a day in the lifeof or day in the week of Jennifer Beast and look like when it comesto producing videos that help first cell second, because one of the other big hurdlesI hear is time. I just don't have time to do this,and I'm like, well, you're not making time. I agree with youon that. I mean it is one of those things where, yeah,it does take time. I'm writing down every single like it. I alsouse all my experiences as content, so that's a lot too. So ifI have something going on with a client that I think is interesting, I'mactually at a point, which is lovely, where people will call me and they'llbe like, Jen this is what happened to me. You need totalk about it, because we've now created a community where people are trying tohelp other people, and I'm seeing that more and more. I really feellike last year is the inflection point. Yeah, where, and I thinkit's good, people were trapped inside dreaming of houses and, just as youknow, Zillo got play, I got play, a lot of other peoplein the content creation for that got play. But you know, I love lookingat my comments right now and seeing people answer each other's questions ask morequestions, because I can literally pick through them now and be like, okay, this is what you guys are asking, let's talk about it. Yeah,and the time time is what you make of it, right, likeI don't go to the gym, I should. I say I don't havetime, but I do have time to spend six hours on tick tock aweek. So it's all about choices. And with content creation, for somepeople it's really easy because they're constant. You know, if you're thinking alot, if you have ideas, if you take notes, great, butif you don't have any ideas and you know you're not creative in any aspect, content creation probably isn't for you. Like that's the thing is we haveso many people saying, oh, yeah, every mortgage under every banker, youguys should all do this, but the bottom line is is, youknow, there's a lot like, if you want me to make an excelspreadsheet, please don't. I'm the worst person. And that's the same forcontent creations. So if you can't make the time, then it's not avalue to your your business. Technology has transformed our world and digital has changedthe way consumer shop for and buy financial services forever now. Consumers make purchasedecisions long before they walk into a branch, if they walk into a branch atall. But your financial brand still wants to grow loans and deposits.We get it. Digital growth can feel confusing, frustrating and overwhelming for anyfinancial brand marketing and sales leader. But...

...it doesn't have to, because JamesRobert wrote the book that guides you every step of the way along your digitalgrowth journey. Visit www dot digital growthcom to get a preview of his bestselling book banking on digital growth, or order a copy right now for youand your team from Amazon. Inside you'll find a strategic marketing manifesto that waswritten to transform financial brands, and it is packed full of practical and proveninsights you can start using today to confidently generate ten times more loans and deposits. Now back to the show. You're going to invest in the things thatare important and find the time for the things that are important. When itcomes to time, it's what are we going to give up so that wecan create that space to invest in Xire Z and your it's creating content mightnot be for everyone, but they're particularly if you're at a banker credit andyou have other resources. So you could be the subject matter expert but otherpeople are helping on the back and to bring that subject matter expertise to bearwithin the market place. And it all comes down to, and I likewhat you said, it's the community. It's building community. I was listeningto Joe Rogan. He was talking about that idea of community and I reallybelieve community is it's what binds and bonds people together. Caroline Gurvin, whois also on Youtube. She's I don't know if you know caroline. Sheis a fitness instructor that has grown an audience from about Fifteenzero people still atthe start of the pandemic. My wife and I started following her when allthe gym's got shut down. She's now surpass over a million subscribers. It'samazing. It's an amazing story in the community that she has built of likeminds. And you're right, you can always go back to the community.What are people what do people have questions about, and use that to fuelfuture content. So a very practical exercise for the dear listener is what Icall drop and give me twenty. It could be about mortgages, it couldbe about small business learning, whatever the case might be getting a credit card? What are the top twenty questions that you get? Just think through thatand use that as your seed to begin that content creation, regardless of whatthe medium is. It could be video, it could be audio, podcast,it could be just written articles. But if people have questions, they'relooking to you for answers, which is where another guest on the show,Marcus Sherratton, wrote a great book called they ask, you answer and wecan always come back to the people that were looking to create value for toanswer their questions to help first sell. Second, with Youtube being your primarysource of business, how do other social channels play into the into this growthstrategy for you? Could you started in Youtube, but then you've are alsousing some of these other channels to compliment that journey? Yeah, so theother channels are more another way of verifying...

...who I am right, because peoplemight see something on like because all here like, Oh, you talk agood game on Youtube, but then I checked you out on Google reviews,right, real client reviews, I looked at your instagram, you know,and then, you know, tick talk is something that I've moved into aswell because, from my perspective, I think tick tocks highly addictive. Ithink it's a great platform. I think bite size information has a lot ofvalue in our society. So, you know, that's seating, in myopinion, a future generation. M Yeah, can I just add something very,very important, please. Someone's in banking and thinking of doing social media, you need to a hundred percent talk to your compliance department. Going atany of this stuff without consulting with your compliance department. If you're a creditunion in our bank and you don't have a compliance department for this type ofstuff, let me tell you, guys, you need one. Do not goafter this without talking to compliance because, as a mortgage lender especially, youcan lose your license if you're not putting the right disclaimers, if you'renot putting your licensing correct, if you're, you know, making you've got towatch out for you DAP. There's so many different things to be carefulof. Don't be afraid, but, you know, don't risk your livelihoodby not hearing with your company's compliance. I think that's so important. That'sa great I that's a great point and one that I'm encouraged by, becauseI'm seeing marketing and sells teams collaborating more with compliance, helping to educate,compliance of what does this even mean to begin with? In the first place, let's start collaboration here, because I know that something that you've done somecontent collaboration very recently with growing ACORNS and CNBC. How has content collaboration transformedbecaause you've been doing some like just for years, working almost directly with consumers, but now you're doing some content collaborations. How is that transform? Just yourthinking here? I have to be really honest and tell you that thatthe collaborations a very new piece to me. I have a collaboration coming up ina in a week with another producer on youtube. Like I'm looking atit more and more. I think it's I mean, like if you wantto grow your audience, it's inevitable. Like I'm a mortgage originator. Mortgagesare very transaction based to a large extent. So you know I'm never going tohave a million people audience because nobody cares for hitches that much. Soif I want to continue to grow, especially since I am licensed in fortysix states to do mortgages, you know I'm very strategic about who I willcollab with. Like you know, CNBC knocks on your door, of courseyou're going to say as you're like yes,...

...please, thank you. Oh,you're going to have me, you know, with the the CEO fromRedfin. Okay, absolutely. But you know, there's been other people whoapproached me to collab where it's just like you know, you're kidding, right, because they are trying to bring some sort of which is an interesting waywe're going as well. Is like how they have influencers and beauty or hairproducts. I'm starting to get approached by the companies who want to use whatI've built. Yes, advice on financial products, and I'm just like,you know, if it was something amazing like it's just it gets a littlemurky. So collabs for the sake of education, for the State of theconsumer? Yes. COLLABS for the sake of money and someone else's brand,absolutely not. That's a great point and I think that comes back to yourpurpose of why you got into this to begin within the first place, andso you're able to fall back on that as almost a North Star, sothat you're not going outside of your niche, because it's your niche. It's yourKnicks, niche expertise that is gotten to this point and then at whatpoint does that become delusion and it almost becomes a cost instead of a game? You mentioned compliance here, and I want to come back to this becausewhen you think about video, when you think about social media to maximize yourdigital growth potential, what is a common belief in the mortgage industry, itcould be in the financial services, the banking space for that matter, ofyou them as siblings, are close cousins. What is a common belief about videoand social media that others have that you just passionately disagree with? Views, and it's something I have to take completely remind myself all the time.People are so affected by how many views they get. They're like, well, I'm not getting twentyzero views, so it doesn't matter. And the biggestthing I can tell you is it doesn't matter the views, it matters theconversion. Yes, you have twenty three thousand people watching you, and thecommon like there's bots too. So, like a lot of the stuff yousee, it's fake. So, like I was looking at one someone elsein my industry and I was like, I was like, how is iteven possible? And so I'm looking at the views, I'm looking at thecomments and the comments are like cool, job, awesome, Yay, Ilike your hair, you know whatever, and it was a dude and it'slike, okay, this is all bots. Right, right, and so thebiggest thing is is that the views don't matter. It's the conversion.and Are you connecting with people and be learned? All that, like beyondmaking money and it's a you know, content for the sake of building yourbusiness, are you actually doing something positive for other people with the information thatyou have gained in your life? If...

...you're doing something positive and you're helpingother people, even if you're not making money directly off a bit, whichI would say easily was the first three years of my youtube, awesome,like we could all do a little bit better in the world. We couldall help each other out a little bit. You know, I spent an houron the phone last night talking to people. I'm not doing their loan. I'm not going to do their loan. They're working with another lender. They'rehaving serious communication issues. They're really stressed out, you know, they'renot sleeping and just sitting on the phone talking with them of about okay,this is why the winders asking for this condition. No, they're not tryingto discriminate. This is guidelines. Like does that pain me? No,but is that good Karma and twice sleep while at night? Yes. Soyou have to be some level of altruistic in this. Other I see nowI agree and I and I live that same thing. I want to,I want to give far more than I will ever get. I want to. You know, our whole mission here, our whole bigger purpose, is tomake the world a billion times better by getting a billion people beyond financialstress towards a bigger, better, brighter future. Because it's to me,it's the financial stress that's taking a toll people's health, their relationships, theiroverall sense of wellbeing. I've lived that personally. Now I don't necessarily workat a financial brand, but I've been in this space for almost twenty yearsand I'm trying to take everything that I've learned, all the patterns, thetrends, and then transfer that knowledge into the hearts and minds of others sothat they can can can it's just as like self perpetuating of giving. Andso when when we think about this, and I got another one for you, like like a common belief, and you touched on this a little bitbefore. But I can hear the naysayers right now. She can do this, Ji Jen can do this, she could have all of this success andgrowth because she's built this brand and this content around her. But I'm actuallyI'm betting, I'm betting that the personal brand going forward in a post twothousand and twenty world is going to create far more value than just the corporatebrand, particularly at a community financial institutions. And so when we think about that, how important is personal branding when it comes to aligning marketing and sellstrategy? You've lived this, but it just you're you're leading the way for, I think, so many right now in the space. So I look, I think that people are sick of being marketed to. I think everyone'slike and it's always been interesting to me with banking and that you know,for instance, when I first started off I was at Washington mutual, rememberthem, whamo. I was there for three months before they disappeared. Andyou know all these big banks have this glossy advertising. They had in thebranch. I was in two guys that...

...were incredibly Chrismatic. You could putthose guys in a commercial talking about what they do every day. You know, having dinner with their family, whatever. People would be ruining the phone offthe hook, but they don't look. The problem with marketing, and I'msure I'll offend many people, so hi. The problem with marketing isthey're always looking outside of what they have. They're looking to what's worked in thepast. So like, Oh, let's get a deal with celebrity,let's get and steal a celebrity. No, I want to meet the person whoworks in your your bank brands. WHO's Kelly? What's Kelly doing atthe bank branch? What about Bob? What's their office like? Do theyhave something funny that happens there? I want to know who works and foryou and why I should work with you. Well, you're a hundred percent correctwith that thinking because, number one, yes, people are tired of gettingmarketed to. We the Internet transformed this whole game, because now wecan come and educate ourselves. But, as I mentioned before, that canget people into trouble. It's like a double edged sort. That's why wego see doctors after we google our symptoms and scare the hell out of us, because we need that objective expertise, knowing that we're not going to die. But number two, it's it's narcissistic marketing, when all we talk aboutis our great rates, are amazing service, these look alike product. It's allcommoditize, but it's the human aspect. It's people do business with people,people bank with people, People Trust people, and I think the morethat we can utilize that, that basic thinking, just like you talked aboutmaking connections and making relationships. It's almost what we're doing in the real physicalworld, but we're just taking this to a digital space. This has beena fantastic conversation, Jennifer, and I've learned a lot. What are thethe ways that I like to wrap things up is set the dear listener offwith a very small, practical, actionable item that they could apply within justtheir own life to make some progress here around what we've talked about video,personal branding, because all change, all transformation, begins with a small,simple step. It's just that one thing. What's that one commitment that you couldrecommend the dear listener apply to take action, to move forward with confidence? Sure a good way to start anything is to think about something that youknow a lot about. What is one thing that you can contribute. Tostart with one thing. So if you're like, well, I want toget into video but I'm overwhelmed, okay, what's one piece of advice that youcould share? And if it's sixty seconds, put it on ticktock.If it's, you know, up to two minutes, put it on twitter. If it's five minutes, put it on Youtube and post it and thencommit to just going like, if you're going to get into social media,commit to at least a year, you know, at least two to threevideos a week. And just think about...

...the worst case scenario on all ofthis is you'd put out content that will help people in the future. That'sthe case, why wouldn't you do it? Because you don't like your hair oryour outfit? That's ridiculous. So that would be my two sense.Just don't look at it from a business perspective. Look at it as abettering from the world perspective. It will always help you and everyone else inthe end. You mentioned. Why would it? You do it because youdon't like your hair, you don't like your outfit. I hear so muchfear, fear of the unknown, fear of change, even fear of failure. What would be your advice to help someone overcome those three fears to moveforward? Because you're right, your worst case scenario, if you commit tothis and you do it for a year, is you're going to be creating valueand helping others in the future. Don't let the fears hold you back. Final question. How would you recommend someone overcome those fears of selflimitation beliefs? You need to get over yourself. I mean that's a bottom line andI say it. I say it too. You know, sometimes my team willfilm and you know, it's like, well, you know, I'm havinga bad skin day. Get over yourself. No one cares. Likeyou just the fear of all of this. It's are these real fears, likeno one's going to stab us. Like the worst case scenario is yougo on video and you look, you know, not perfect. Who Cares? If you have six views? No one noticed. You're fine, you'llsurvive. I gotta tell you, you're reminding me here of my wife,because when, when, before I wrote banking on digital growth, I hadadvisors telling me all all the time, you need to write a book,and need to write a book and I am going to get to it.Well, finally it was, may know, it was January of two thousand andnineteen. I was with gray mackinzie on his podcast and he was likewhat's what's the big thing that's going to happen this year? As like thisis the year I'm going to write the book, and I was like,I didn't realize what I said until I said it. So I put itout there. It's like I got to follow through with this now. SoI started talking to publishers and whatnot, and something was holding me back.My wife finally called me out. She was like stop being and we're goingto keep this, keep this family friendly. But she sees some choice of wordsand like just get over yourself and just start doing it, and likeyou're right, and I think, I think that truth that you're sharing somethingthat we all need to hear, because we oftentimes get in our own way. But all transformation, all growth, begins with two things. Number One, telling the truth to yourself about where you've been, where you're at andwhere you can grow next. And then number two, a lot of timesit is just getting some training, getting some education around what those next beststeps are to help overcome number one, the fear of the unknown, becauseas you start to move forward, that's where you build your courage, that'swhere you build your confidence. Jennifer, if anyone is listening, this hasbeen a fantastic conversation. They want to...

...continue the conversation with you. Justconnect even what is the best way for them just to reach out follow alongthe work that you're doing. Okay, while they can always get to myyoutube channel, which is Jennifer Beaston, you can always email me at beastin at ratecom. And I mean we've got instagram, Tick Tock. Ifyou Google Jennifer Beaston and you don't find a bunch of stuff, I actuallyneed you, guys, to call me because I have failed. I'm prettysure I'm pretty findable at this point. I love that. I love that. Just Google me, just Google Jennifer beastm google the Google Jennifer learned fromJennifer. Jennifer. Thank you so much for joining me on another episode ofbanking on digital growth. It's been great. Thanks as always. In until nexttime, be well, do good and make your bed. Thank youfor listening to another episode of banking on Digital Growth with James Robert Laigh.Like what you hear? Tell a friend about the podcast and leave us areview on apple podcast, Google podcast or spotify and subscribe while you're there.To get even more practical, improven insights, visit www dotgital growthcom to grab apreview of James Roberts best selling book, banking on digital growth, or ordera copy right now for you and your team from Amazon. Inside you'llfind a strategic marketing and sales blueprint framed around twelve key areas of focus thatempower you to confidently generate ten times more loans and deposits. Until next time, be well and do good.

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