Banking on Digital Growth
Banking on Digital Growth

Episode · 4 months ago

92) #DigitalGrowthJourneys: How to Find Your Guiding Light for Digital Growth

ABOUT THIS EPISODE

If you’ve listened to the show before, then you already know digital transformation and growth are about more than just technology, they’re about people.

The people who are most successful are the ones guided by a purpose.

My guest today is Alana Kelly, Marketing Manager at On Tap Credit Union, who joins me today to share some lessons from her digital growth journey, including why having a guiding light can make all the difference in your digital journey.

We discuss:

- Why we need to get over the stigma and talk about money

- Why you need a defining purpose behind your digital growth

- Alana’s digital growth journey

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.
 

...money has probably been what I thinkit's in the top five most uncomfortable things to talk about, right? I thinkgrowing up it was don't talk about money, Don't talk about religion anddon't talk about uh there's one other kids, but it is right. Politics, thankyou. And so with that thought in mind it was like, don't ever talk aboutmoney, right? And I think that that's the problem. I think we do need to talkabout it. Mhm. You're listening to banking on digitalgrowth. With James robert lay a podcast That empowers financial brand marketingsales and leadership teams to maximize their digital growth potential bygenerating 10 times more loans and deposits. Today's episode is part ofthe digital growth journeys series where James Robert uncovers andexplores some of the industry's biggest digital marketing and sales stories ofsuccess. Let's get into the show greetings and hello, I am James robert,ley and welcome to the 92nd episode of the Banking on Digital Growth podcast.Today's episode is part of the digital growth journey series and I'm excitedto welcome a lot of kelly to the show. A lot is the marketing manager at ontop credit union based out of colorado, driven by a personal purpose to helppeople be better and do better for themselves. Alana has also been amember of the digital growth Insider community and our program for about ayear now as both her and her team started their digital growth journeyright around the start of the pandemic. Since that time, it has been good towatch both Alana and her team continued to grow and make progress every 90 daysas they move forward onward and upward. So welcome to the show, Alana, a Jamesrobert, Thanks so much for having me. I am looking forward to this conversationbecause you've been doing some really good things. You've made a lot ofprogress over this time period. But...

...before we get there, what is one thingright now that you are excited about personally or professionally? You know,you asked us this question about once a month when we meet and I always thinkon it and I have to say right now personally as my daughter graduates,you know, pre K and start thinking about kindergarten next year, I'm justreally proud of her, you know, to live in this virtual world at such a youngage and was just really not understand. She's just dominated and did such afantastic job with her peers and continuing to grow. And I think thatjust gives me a lot of courage and that as much as I worry about thisgeneration of Children, I think they're just really going to persevere andshine through it all. And so that to me is something that is just personallyresonating with me right now, I have to agree with you, the adaptability, theresilience in Children is going to be profound that like, you know, youmentioned your daughter graduating pre K and my youngest, she'll be startingkinder next year, I'm so excited, I think about my three older kids andthey've honestly, they probably had one of the best years this year and and alot of it is because we're very intentional about focusing on thepositive. I ask them this question, what's going well, how is your, like,what was one good thing about your day? And if I fail to ask that question atdinner time, they're like, dad ask me one good thing about my day, I'm like,oh yeah, that's right, Lucia, what's the one good thing about your day,because it really is about focusing on what is good and I think a lot of thisidea about resiliency and adaptability and as they grow up, because if youthink back to like, you know, growing up in the eighties, growing up in thenineties, how far and how fast things have moved, it's gonna be even thatmuch quicker for them. Exactly, and I actually really love that you askedthat question at dinner and I have...

...started asking it when I picked mydaughter up from school and it's just really opened the door to have such afun conversation and I think also like you said, flip the script and get herto think positive, so kudos to you because you've definitely helped me, Ithink be a better, more present parents some of those questions. So, you know,that's one thing to, I feel like that DGS really brought to the forefront isthinking about how you ask the question and how you approach things. Because Ifeel like The # one thing I hear is well, I don't understand what you'reasking here, what do you mean by that question? And I feel like you guys havemade it so simple to have such strong conversations in a way that lets peoplestarts down and makes them really be open to the conversation and there's nolonger this fear of well if I say this is their reprimand or recourse, it'slike no, if you say this, it's going to help us that much for further along inour journey. You know, one of the questions in the way that I end theInside Digital Growth series, when I take a question from one of the Dearlisteners is the only question. The only bad question that is the only badquestion is the question that goes unasked. And I think the more that wecan have honest conversation, honest dialogue, honest discourse, the morethat we will maximize our overall growth potential for that matter, notjust digital growth. I mean this extends beyond just marketing and cellsand leadership because when you think about growth, what is growth? Growth istransformation and transformation has to, it must begin by telling the truth,and sometimes that's a scary thought. But when we first and foremost giveourselves that permission to tell the truth and then we encourage others todo the same, like for example, you're you're having these conversations withyour daughter. That's why I always start every conversation that I have,what's going well, what's been good,...

...what's something that you're excitedabout right now? Because the mind can only hold a positive or a negativethought or emotion at the time, and I really believe that our brain is themost powerful supercomputer, but we just have to be very intentional toprogram it or someone else is gonna program it for us when we think aboutthis idea of being positive and intentional at the core, at the centerof our digital growth blueprint. Its purpose, because purpose provides astrong foundation purpose, provides guidance, direction, it's a north star. What is the purpose that is driving youpersonally? What is getting you up in the morning to do what you're doing aton tap? You know, I think I shared when we first started the D. G. Journey thatI actually had an opportunity to go through like a Simon Sinek training andread his book, start with Why? And so I thought it was really interestingbecause it kind of brought some of that back for me, you know, that wholethought around the golden circle of you know, what is your, why, what is yourhow and then your what? And I feel like that really resonates here as well,because you're asking me, you know, what is it that helps you get up orfeel motivated every day. And for me, when I look back on my journey, justeven just in my career, I feel like my purpose has always been to help othersto find the good and others to help them achieve more and help them betheir best self. And so every day, I feel like I leave with that thought andI can even just impact someone, I don't know, I could impact their world justby saying hello to them on the street and I feel like that is something thatjust leaves me every day. Is that feeling of today. I could impactsomeone else's life and maybe I will never know. But I feel like what ifit's going to change the trajectory of...

...maybe their life or their career ortheir thoughts. I don't know, just something I think that is alwaysresonated with me on my heart. I'm a big believer in that. Some call it thebutterfly effect where you drop or a ripple effect, you drop a stone in thepond and it ripples out and you're never going to see the impact. And andI think that's why the work that you're doing that on tap is doing that all ofus are doing in this financial services space has the potential to trulytransform lives because money, financial stress, it really hits all ofus that are at our core and that stress, it takes a toll on health. It takes atoll on relationships. It takes a toll on even mental well being. And when youthink about this this stress, what are some of the opportunities that you seejust as a marketer to maybe help reduce that level of stress? Just turn thevolume down and give people some comfort, some solace and even give themsome hope. You know, I think that in the world that we live in today, Ithink the one thing I learned was just covid and just even post covid is therewas just so much noise and I feel like we really have to get back to basics inthe sense of how do we help people feel comfortable having a conversation aboutmoney? Money is probably then what I think it's in the top five mostuncomfortable things to talk about, right? I think growing up it was don'ttalk about money, don't talk about religion and don't talk about there'sone other kids, but it is right. Politics. Thank you. And so with thatthought in mind it was like, don't ever talk about money, right? And I thinkthat that's the problem. I think we do need to talk about it. I think thatit's healthy to give guidance. And one thing that we're kind of doing here andon top is, you know, how do we kind of get back to, you know, financial one onone? How do we help them first? So...

...let's say for example, they can't get aloan today for an auto because their credits for is not where it needs to be.Well then let's help them get out to where it needs to be. Let's give themthe tools and the resources and help them every step of the way and thencelebrate with them when it gets there and then be able to give them that loanand come full circle in their journey with them like that. I feel like is ahuge part of our job in this industry is to help people accomplish thosegoals. It get to the place where we can celebrate with them and say, Hey, youdid it, you did the work and here's the reward and it's a conversation. It'shealthy. It's opening the door I think to so much more than just this onetopic of financial. It's also helping them set goals and clear expectationsand then they meet them and I don't know about you, but if you've ever rana marathon or half marathon or whenever you're into that's had like that goalin mind with that finish line, I don't know about you, but there's thisfeeling inside of you when you get there and that's the feeling I wantpeople to feel. Mm. Yeah. It is, it is that idea of accomplishment. It is thatidea of elation and you're right. It's, I think it's about creating that safespace to once again ask the questions and not be for fearful of any type ofjudgment because there's a lot of financial shame that people have thathold them back from even just asking the question. And when you look at this,I'm looking right here at some some recent data that has come out frombusiness wire. three and 4 young Americans Ages 18-34. That's 75 saythey have been at least somewhat stressed about their financialsituation since the pandemic began And then it goes on. And it talks about howthree and 559 say that there's been a...

...negative mental impact because of thisdress. I'm sorry, actually, it's nine and 10 young adults have experiencedstress about their financial situation, say it's had negative impact on theirmental well being. And so to me, I think this is an unseen epidemic thatthe more that we can bring these conversations to bear, the better wecan help make the lives of people in the communities that we serve. And thisall comes back to this idea of just your own personal purpose, right? Of ofhelping people to live those best lives that they can. I want you to think backto your digital growth journey. What were some of the road blocks, some ofthe challenges that we're standing in your way when you begin? And I thinkalso what inspired you to maybe take some action just to start to moveforward to to make some progress beyond some of those challenges. Yeah, I'mthinking backs on when we started this back in june, right? So we had, I thinkoriginally slated april and McCain, we paused, took a took a little page outof your deck, Right, pause. And we we had this conversation in june and Ithink when we had the conversation, it was a lot of information, I think, todigest it was a lot of information to sit down and think, okay, how are wegoing to move forward? And I feel like what we did was we said, we're going tostop and we're going to pause for a second and we're going to giveeverybody who attended, who's going to be part of this. G I experience amoment to think about the training and, you know, again, asking those questionsand starting again back to basics. And so once we did that, I feel like wethen went back to our, well, I think...

...everybody went back to their strategyfor the year and it was already thrown out the window because of Covid. Butwhat we really did was we said, if we're going to do this and we're goingto do this successfully, then I think we need to think about where are wegoing to start? And let's start with one thing and again, progress, notperfection. And I think that's something else that resonated with usis we always felt this need to be perfect right before something kind ofgot out the door and let me be clear compliance, all those things thosematter. Right. But I think we were focused too much on the details and notenough on the overall strategy and the goal. And what was this really going todo for our membership or potential members? And so I think once we startedto think in that realm, again, help first sell second, we started to openthis door to potential, We started to open a thought process of what are wegoing to stop doing today so we can make this a priority. And We startedthen working in these 90 day sprints. And we started having really, I thinkdeep and holistic conversations about what are we actually going to do andexecute and what is this going to look like? And I think one of our very firstprojects Was giving back to our community and that was through thatgift card campaign. And we learned a lot, you know, in that 90 days aboutwhat we could, we have done better. You know, but I think it was like, let'snot always go there and focus on what could we have done better. Let's pauseand say, what did we do? Well, what was the impact that we made and then whatwill we do to refine it? Yeah, it is, it's about optimization and, and thinkback to operationally speaking, you know, before you started this journey,because I hear the lamentation from so many different financial brandmarketing teams that just get stuck in the wrote, they get stuck in themundane, they stuck in the doing what...

...would be some advice or arecommendation that you can make to them that might be listening right now,because it's to transform their thinking first, before they cantransform they're doing because the thinking actually impacts the doing andthen how does training fit into all of this to just provide clarity andperspective? Because I know I hear it in the back of my mind that I want toget to where you're at. What do we have to do to transform that thinking? Yeah.And I feel like So we recently just went through the 90 day sprint exerciseand I actually wish that we started about a year ago. And so my thoughtprocess with anybody that's listening today and kind of going through this,you have to pause and think about it first because I feel like we're soquick to react and go home. They're doing that, we've got to jump on it,they're doing this, we've got to jump on it. If you chase the squirrels andyou don't focus. The problem is then you don't have your defining purposeand your guiding light as you go through this process. And so myrecommendation would be to start with that 90 day exercise because I feellike that really impacted our thinking into what are we doing today, kind of,what are we need to stop doing and where are we gonna, you know, again,Looking back 90 days, do we accomplish the goals that we have set forourselves? And if you don't think that way, the problem is is that you're justfiring off on all cylinders doing things and there's justmiscommunications left and right and so as a team, not just marketing, you know,we need a line with all of our other teams in this thought process as well.And so I just want to, you know, also shine guidance there that you can agreeto disagree, but how do you get them on board? And I think that's where it'simportant again with the thinking, we...

...thought through it, present it gettheir buying and input and executed together. And I think that impacts it alot as well. I think sometimes there's this feeling like we're marketing isthe driver in the business, so marketing has got to do it and they'vegot to drive it. Sure why not? But where are we missing the gap or missingthat conversation with those other teams to help them also help us driveit. Like we're a team at the end of the day and it can't just be on one personor one group, it really has to be highly working together to move thisbrand forward. Technology has transformed our world and digital haschanged the way consumers shop for and buy financial services forever. Nowconsumers make purchase decisions long before they walk into a branch, if theywalk into a branch at all, but your financial brand still wants to growloans and deposits, we get it. Digital growth can feel confusing, frustratingand overwhelming for any financial brand. Marketing and sales leader, butit doesn't have to because James robert wrote the book that guides you everystep of the way along your digital growth journey, visit www dot digitalgrowth dot com to get a preview of his best selling book banking on digitalgrowth or order a copy right now for you and your team from amazon insideyou'll find a strategic marketing manifesto that was written to transformfinancial brands and it is packed full of practical and proven insights youcan start using today To confidently generate 10 times more loans anddeposits. Now back to the show, that's a great point that this is not justabout marketing. Marketing alone, it really is about multiple teams andindividuals coming together coming back. That that idea of transformationtransformation starts by telling the truth. Transformation begins with theself then the team than the organization. Because the organizationmade up of teams, it's made up of individuals. How have you through theconversations for lack of better word...

...have been also providing trainingeducation to others to help the unaware become aware of some of the things thatyou've been learning along this journey. What does that look like? Well I mean anytime I start a meetingand I start saying we're humanizing the digital experience, I feel like halfthe room glazes over there like I don't even know what you just said. And sowhat I try to do is provide an example of how we're driving it forward. Butthen where's operations playing into that? Whereas I. T. Playing into that.Whereas compliance maybe you know, even though they might not be necessarily inthe day to day. Like where are we getting there by and as we move thisforward, you know, one area that we're kind of playing around with right nowis for for a friend and again humanizing that in a sense of like,okay, well I just closed on my loan that I'm not closing in person anymore.So maybe we give them an opportunity X. Amount of days after they close, wesend them an email we say, why don't you choose your gift from on tap andhere's three options to choose from. They pick that gift and then within X.Amount of days they get, you know, either the gift in the mail or you know,however whatever form they choose right, we want to make them feel like they gotto make the decision. But then invite them to ask them say, hey, would youlike to refer a friend to be part of on top credit union? And then through thatexperience X. Amount of days later, right? You mean there's this wholenurture campaign and everything behind that? But then within 4 to 6 weeksafter we still mail them something physically to celebrate with thembecause at this point they've moved into that new home, they're ready tocelebrate, let's celebrate with them. So they get a gift in the mail andnobody loves this idea because he really wants to clean up confetti. ButI love the idea that they open it and confetti shoots out something alongthose lines. But again, it's a celebration is an experience why wecan't be with them in person during the closing gave them a memorableexperience. And I feel like that is the...

...piece that you humanize the digitalexperience. It really is and the idea of the education that you're doing tohelp the unaware become aware of showing their role how it plays intothis journey and this experience because if we think about experience,it's well defined systems and processes that have been strategically thoughtout applied and the secret is optimized over a period of time, resulting in oneof two things a positive or a negative emotion. And as this practical examplethat you're sharing right here with the closing people are gonna remember howyou made them feel positively or negatively. And I also like what you'retalking about giving, giving account holders the idea of choice. I think themisunderstanding when it comes to digital is everything is going to bedigital, it's only gonna be digital, it's just digital digital and that'snot the case. It's to choose your own adventure like approach to growthbecause people have different paths pathways now more than ever, and it'sour job is to give them that choice and then guide them down the pathaccordingly. Talk about some of the other successes that you've experiencedand have had through this journey, you mentioned the gift cards and youmentioned the digital referrals, which to me is a great opportunity tocontinue to explore. You were seeing that in the Fintech space as a primarydriver for growth because people trust people, but you've also been takingtime In these 90 day growth periods to build out larger, full funnel marketingassets, that are a completely different way of once again thinking and doingnow you're deploying what has that been...

...like for you and the team at largebecause it has been a team effort here, right? Yes, it's definitely been a teameffort. So we actually kind of kick started this off last year at the endof um I want to say like november december with our debt consolidationcampaign that kicked off in january. And so what our focus has been is whenwe first came to you guys, you know, I think the biggest feedback that we gotout of it was your website is a glorified brochure. It's true, I meanthat's really what it was and so I think we always had in the back of ourmind, we were going to fix the website, we're going to fix the website, but wehave always kind of also been like, but we have all these other initiativesthat we need to focus on and so again, with that thinking of, okay, this issomething that's important that we need to make time for it and we need tostart shifting gears. We start thinking through the thought process of what isthis journey going to look like? So through the debt consult again that waskind of our first campaign we started thinking about, okay, well we want toprovide a quiz because it's an opportunity for us to learn more aboutour membership. But then also make sure that we have nurtured campaigns thatare specific to what they're working on, not what we want them to work on whatthey want to work on. And again, opening that door to set up a meetingwith an FAA or have a great conversation around money because moneyshouldn't be scary to talk about. It should be exciting. It should besomething that you're looking forward to because it's going to help you inyour future. And that's the goal that we wanted to do with the debtconsolidation campaign was open that door to make it less scary and start tohave holistic conversations. And so with that campaign that was kind of ourfirst like, you know, toe in the water. And I think we learned a lot about whatdo we do really well and what is the impact we made and how are we againthrough that lead generation, helping to impact our membership. But then wewanted to take it a step further. And that's where then we went into theEvergreen Mortgage campaign, which is with our next one or next initiative.And now again, we did it in a 90 day...

...sprint. We launched it. But we'realmost up on our 90 days, we're about to review the data and then go back andtweak where are we missing the mark a little bit here or where do we need toprovide? Again, how do we help them first and again, creating that content.We've had to create a lot of content from scratch. But again, what do wehave to stop doing to make this a priority? So we could help first andyou know, kind of sell second on that philosophy. And I think what you'retalking about, you're not having to go back and start over like a when youthink about marketing Historically it's always like a zero cost. So you alwayslose everything that you invest. Once that initiative is done, it's done. Butnow it's literally you're building an asset that can continue to be made evenbetter over an extended period of time through multiple iterations. And youmight not iterate on this until you know, six months or a year down theroad because there's other things that pop up and then you're having to tofocus attention on. But I think that's the beauty and the value of this. Andwe have had some organizations in our program, you know, for 56 years andthey have a library worth of assets that they literally can pull off theshelf if they need to create some additional demand. And that's wheredemand gen, marketing comes into play. That, you know what, we need to pullthis off the shelf here. It is, we can run with it, we can go with it. Theother thing that I hear you saying a lot is it's pausing, it's stopping,it's reflecting its refining. It is so easy. I think this is important to hearfrom you for other leaders who might be listening, it's easy to get trapped inthe doing of digital. How important is it to disconnect from digital? Becausethat's almost like the paradox if you will, like digital is an amazing tool,but it can also be a double edged sword...

...that is destructive even to our ownvery being and can pull us off from a leadership perspective. What are, whatare some of your thoughts on that? You know, before again we went throughthis whole journey. I feel I felt like I was over connected. I think I knewthat however going through this journey, I just kind of reflected on maybe Ineed to cut the noise and I need to take X amount of time a week or a dayor however, I'm going to do this to take a break from because basically theway our T works is, you know, I own kind of our social media platform inaddition to our public relations and things like that. When you own theexternal channel of communication, you need to kind of know what's going on.And I think by knowing what's going on, it kind of overkill the fact that I wasa little too connected. And so for me personally, I've really tried to startand I'm not consistent, I'm not going to pretend to be perfect, I'm human.But in my mind, I try to take about an hour a week where I turn everything off.So that's email. That's phone that social, everything. And I just thinkabout, I kind of celebrate where we've come because we have weekly teammeetings and I try to bring that to the team and say like, look how far we'vecome. And I want to consistently keep that energy. And I think that's one wayI've been able to do that. I feel as again, just there's so much noise thatyou kind of have to figure out what's best for you and how you're going totake a step away. But if you don't do it, I think the concern is is that youragain kind of latching onto all these other ideas and you're not taking timeto think through what's best for our members, what's best for our brand andwhat's best for, you know, again, that guiding light of the purpose. And Ithink it can fall off if you get a little too disjointed from that thoughtprocess and you start trying to do what...

...everyone else is doing, then you don'treally have a plan, you don't really have a strategy, you're not kind offorward thinking about where is this going to lead us? You know, 90 days,six months a year down the road, if I just keep kind of jumping all over theplace sporadically. And I think this idea is so important because digitalhas, especially when you're managing like social media, there's so manynatural distractions and once again I'm just as guilty as charged. And this isa matter of continuous self awareness and having some emotional intelligenceand some accountability that comes into play cal Newport, what a fantastic bookon the subject called Deep Work. And his thesis is that there are two typesof work. There is the shallow work that only needs like a little bit of timeand focus. But then when we're doing like that deeper level strategicthinking, it must be focused on one thing. It must be free of distraction.And that's a cultural conversation, whether it be with the team, your teammembers or the larger organization at large because I really believe theorganizations that have the courage to turn that noise down. And I think, youknow, we're almost coming full circle the conversation of what has come outof this pandemic. It's about getting back to the basics, it's aboutsimplifying, it's about reducing the noise and distractions. It's thoseorganizations and those individuals, those teams that are going to have astrong competitive advantage. And once again, that's the paradox of digitaland why we're doing more studying around this and don't have a thesis ora perspective strongly just yet. But it's one that I can see over the next3-5 years post pandemic, we're probably gonna have to address it sooner ratherthan later. I would be interested to see those stats, to be honest with you.I think that there would be something really fascinating about kind oflooking at that thinking. Yeah. And...

...when you think about all of theopportunities, when it comes, there's there's an abundance of opportunities.And as you've talked about, it's a matter of prioritizing what's going tocreate the greatest value in the near future, but also then still planningfor the longer term. And with that said, this has been a it's been a fantasticconversational on and I'm grateful for just the knowledge that you've sharedtoday and the inspiration for others that that might be listening. What whatis one practical example? I'd like to get really practical here as we wrapthings up, because all transformation and growth, it starts small, it startstiny, it's it's just a little win. And and so what is one practical, somethingsmall? A small habit that someone could commit two today to make progress ontheir own, just on their own digital growth journey on their own journey ofgrowth for that matter. That is a great question. I feel like I could give somany thoughts here. So I'm trying to think through, I will tell you thatwhen we first started you gave us an exercise like kind of a journalingexercise. Um I don't have the card in front of me, but it was kind of likewhen I wake up there's like, you know, take five minutes and think on thesethoughts and yeah, and then before I go to bed, think on these five thoughtsand when we first started the journey, I did that probably a couple of times aweek and I feel like it just helped me be more prepared to have conversationsaround. It's not that we're not going to do this, it just doesn't, doesn'tfit into the strategy of what we're trying to accomplish today. So it's nota no, it's just say how is this going to align with what we're working on.And I think that thought process really helped me have some tough conversationswhere other people started to think, well, yeah, you're right, this doesn'treally align with what we're doing and you're not saying no, you're justsaying maybe we need to pause and see...

...where it fits into that larger strategyor that larger thinking. And I feel like, you know, I'm really gratefulbecause it on tap we do have a lot of influential leaders and thinkers, butwe're also willing to say, you know, let's pause and think on this and Ireally admire that because every brand I worked for before, they weren't verygood at pausing. It was like jumping around and knock it off the list. But Ithink here I've really learned and seen from other leaders, you know, thatreally high level of EQ where it's like, it's okay to pause and not react toeverything. I'm glad that you mentioned that that high level of EQ, it is thatemotional intelligence. And when you combine the EQ with the AQ that comesfrom the works of, of, of carol, the wick with growth mindset, Angela Duckare not grit, Carol, Dewitt's growth mindset, Angela Duckworth's is grit andthat a lot of that comes back to training and education. That EQ plusthe AQ that really is a formula for just continuous growth as you moveforward. And you mentioned the conversations having the courage tohave the tough conversations I think is another great, very practical, smallkey takeaway and it's going to take a little bit of courage and speakingabout conversations. If someone is wanting to continue the dialogue andthe discussion with you that you started here today, what's the best wayfor them just to reach out, say hello and and and learn from you a little bitfurther? You know, the best way to reach me is probably by email. So it'sa k Elliot on taxi dot org or you can find me on linkedin. I do follow a lotof James, robert podcasts and messages, so you can also find me that way. But Iwould just love to support anybody in their journey, especially if they'rejust one they don't know how to get...

...started or if they want to brainstorm.You know, that's another area that I love to brainstorm with other creditunions and other thought leaders and what a great way to wrap this up, Alana,because there it is coming back to the very beginning, driven by a personalpurpose to help people be better and to do better for themselves. Alana, thankyou so much for joining me on this episode of banking on digital growth.Thank you for the opportunity. I always love our checks as always and untilnext time be well. Do good and make your bed. Thank you for listening toanother episode of banking on digital growth with James robert. Ley like whatyou hear, tell a friend about the podcast and leave us a review on applepodcasts, google podcasts or Spotify and subscribe while you're there to geteven more practical improvement insights visit www dot digital growthdot com to grab a preview of James roberts, best selling book banking ondigital growth or order a copy right now for you and your team from amazoninside you'll find a strategic marketing and sales blueprint framedaround 12 key areas of focus That empower you to confidently generate 10times more loans and deposits until next time, be well and do good.

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