Banking on Digital Growth
Banking on Digital Growth

Episode · 1 year ago

54) #DigitalGrowthJourneys: Leaving the Cave of Complacency w/ Kara Yaquinta

ABOUT THIS EPISODE

We saw five years of progress during the last eight months of 2020 as an industry. We didn't mean to, but it happened anyway. What do you need to make that kind of progress in your own personal digital journey?

On this episode of Banking on Digital Growth, I chatted with Kara Yaquinta, content strategist at Tropical Financial Credit Union. We discussed her remarkable digital journey and how she's helping lead her institution forward.

Kara and I talk about:

  • Getting the right message to the right people at the right time
  • Why financial coaching is the next big thing for brands
  • The role culture plays on the 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.

How can you be a leader of a digital,especially a digital first community? When you don't understand the firstthing about humans? You're listening to Banking on DigitalGrowth with James Robert Ley Ah, podcast that empowers financial brandmarketing, sales and leadership teams to maximize their digital growthpotential by generating 10 times more loans and deposits. Today's episode ispart of the digital growth Journeys Siri's, where James Robert uncovers andExplorers some of the industry's biggest digital marketing and salesstories of success. Let's get into the show Greetings in Hello, I Am JamesRobert Ley and Welcome to the 54th episode of the Banking on DigitalGrowth podcast. Today's episode is part of the digital growth journey. Siri'sand I'm Excited to welcome Keira Iaquinta to the show. Care is thecontent strategist at Tropical Financial, and she really has such agreat story to tell one that I know will inspire you, just as it hasinspired me because I personally have watched care agro quarter after quarteryear after year, as she has been a member in the digital growth programfor the past. It was three years now. Is that right? Cara. Yes, a little overthree years time has flown. So thank you so much for joining me today. No,no, no, no. Thank you for having it feels so good to be a guest onsomeone's podcast. Absolutely. When you when you reflect back on this greatcentury of 2020 and you look ahead into 2021 what are you most excited about?And energize when you think about just the the progress that you've made alongyour own journey over the last three years? I think what I'm most excitedabout is that I feel like Okay, so we have all been at home for I mean, atthis point, it's December. So what about nine, 8, 10 months somewhere inthere. So we've all had to really rely now on digital communication more thanwe have in the past. And to be honest, I feel like that's here to stay. So theexcited part of that is I'm excited to bring new tactics, and I'm excited tokeep seeing where it can go, because, of course, everything grows. Everythingcontinues. Nothing just stops. So I am really I'm intrigued to see how thisdigital first play kind of keeps evolving exactly. And it's one that,you know, we've seen five years of progress in about eight months, 9, 10months of time. And when we look back, it is it really is to see how fast thisthis has has evolved. And when you look back on your own journey, what havebeen some of the biggest roadblocks,...

...the challenges that you've had to beaware of you've had to overcome to move forward and make progress along justyour own digital growth journey. Specifically, when it comes to, say,content and content marketing, Um oh, that's a kind of a loadedquestion, but I would say a couple of the biggest challenges. Of course,there's always going to be buying that. I feel like that's always going to be achallenge. If you're not in something that it's solely based on technology,of course, e think. Another challenge is there's always something new, andwhat I mean by something new is there's always a new rule. There's always a newthing to go by, so you really have to do your best on keeping a steady mindand keeping up with the industry because if you're not one day you couldbe doing something and then to the next it's totally it's irrelevant. So Ithink that has been a challenge, especially when you get wrapped up ineverything on your day to day basis. So you kind of have to be smart about howyou spend your time and how you learn things and where you get yourinformation from. And then sometimes I think another E guess challengessometimes yourself, because you get stuck in doing things your way. And Ithink the roadblock there is getting out of your comfort zone. I thinkthat's a roadblock for a lot of people. And the one thing last year it was aturning point is I read that book of Who Moved My Cheese and now every timeI noticed myself reverting back to old ways. I always sit there, and I thinkabout that book and which mouse I wanna be. It's a great it's a great book.It's a great great analogy, great story, great narrative, and I want to talkabout that because I think you're hitting on something that's very keyright now, when we look at this idea and the journey of digital growth andsome of the changes that must happen as an individual. And it's not just theindividual than it's the team, and and teams make up the organization, whichare made up of teams which are made of individual. So it's transformationhappening at all different scales, and and we're taking this journey in alldifferent speeds for you personally. When you look at your own personalgrowth in your own personal transformations, you've had to maximizedigital growth. How have you continue to move forward so that you don't getstuck in what I call the cave of Complacency? Oh, first hand, you you'veexperienced this with me. I have really just had to take a look at myself andmy working style. I think the most I've learned, where am I most effective andwhere am I not so that I know at the...

...time that I'm not most effective. Whatcan I dio Thio fix those alleviate those issues because it all does comedown to the wire of like, for example, your day I do content do social mediaat U. S. C. O. And all those things do interlock with each other. Butsometimes there's technical portions. Sometimes there's creative portions. Soit's where can you maximize your time so that it's best spent in creatingsomething special for the consumer? Mhm. Yeah, you know, there's there's reallythree ways toe Look at your days, for if you had the bonus you've you've gotyour what? What I call your growth days and those were the days where you divedeep. You get deep work done, great book, by the way that I highlyrecommend. Then, leading up to that, you have what are called your bumperdays, meaning that that's where you should be taking your your meetings andyour calls and answering emails because I think so much of time gets garbled inthe middle. And these were some lessons that I learned from from Dan Sullivanwhen when he was talking about the entrepreneurial time system, and I'mlooking at this from or of, ah, of a digital growth time system. And then welook at we have our me days, and these were the days that they should just befor us, because I think in this digital world, it's so easy to be on 24 7 andwe're gonna come back to the point here in a moment. But me days, bumper days, growth days, itall comes down to intentionality, right? And when you think about this idea ofgrowth on the flip side of the spectrum in, in in, in addition to theroadblocks that you've had toe be aware of and overcome what have been some ofthe opportunities, the winds that you've experienced along the way, therehave been a lot of opportunities that have come into play with justreorganizing the way that I do things. One of the biggest ways that we'vegrown digitally is we have really capitalized on maximized onpersonalization and our audiences and getting the right information to theright people. So a lot of that has come through the form of retargeting. It'scome through the form of of using audiences to the best theircapabilities. So, like we use a I, of course, and that has really helped usbe able to create content that is more purposeful. And that means more topeople because before you know, you would just put out a piece of content.But now we're able to put out a piece of content that is curated. Teoh. Acertain person. Yeah, and I want to...

...talk about that idea on two sides. One.You talked about getting the right message to the right people at theright time. And then you also talked about this idea of being morepurposeful with your content. So first, let's talk about right message righttime because I know that that has been a really big recent win for you becauseit's all about what value are we creating through our content? Can weprove that value? Can we show that value? Can we quantify that value? Andone of the very simple winds that you were able to deploy was, to your point,retargeting retargeting people who have started an application or who havetaken some type of behavior. And it wasn't it wasn't massive change. Itwasn't massive transformation. It was a little win that led to massive results,right? Honestly, yes, and I so back thio kind of the roadblocks. I'm washesitant. For whatever reason. Teoh do that for a long time. But when I I tookmyself out of the box and I took myself out of the comfort zone. And I figured,you know, this is another way to capitalize on opportunities. We did itand it worked. And it works so well that now we're moving on and we'redoing it in other areas. And we're now doing it for more than just one thing,though it's not just okay. We see people have interacted and let's justdo this. It's we've seen people have interacted. So let's do this. Oh, butwe've also seen they've interacted and they don't have this. So let's go here.So it kind of takes a puzzle and it's putting the pieces together to reallyform something that is a whole yeah, and this is really where the idea ofdigital consumer journey mapping comes into play and one of the key elementsto make digital consumer journey mapping successful requires content,but also the context of that content in the different stages of their buyingjourney, which you said AI and AI, informing personas and personas areallowing you to be more purposeful with your content. I wanna come back to thisidea of purpose because I believe that purpose is really the foundation forany financial brands future digital growth to maximize their digital growthpotential purpose provides guidance that provides direction. It providesinspiration both for internal and external stakeholders. And when wethink about this idea of purpose, what's your bigger purpose? And what'sthe bigger purpose that you're working towards as an organization? The bigger purpose being a financialinstitution and that we cater to everybody is honestly just creating apeaceful and successful financial...

...future for people. Too many people getcaught up in the stigma of it's not okay to talk about finances. And forthe better part of three years I have spent talking about finances and to behonest, talking about them has made them so much better than they were formyself personally. So it's kind of like when you go to a therapist and you'relike, I don't want to speak to a therapist like who are they to tell mewhat to do with my life? Well, when they've been through it and they'vealso gone through that and they've had certain trainings. Yes, it does make adifference in being able to rely on that person for advice, for tips fortricks, So I will say that that in a in a nutshell has honestly really helped.And it's made so much of the difference, seeing that bigger purpose come throughall areas within our financial institution. I think as an industrywe've gone from, you know, putting the need and the highlight financialeducation or financial literacy, which I just I abhor that word financialliteracy. Because you're basically saying that, Well, you're illiterate inthis particular area. So my next big thing that I'm seeing is it zits, notfinancial education. I even advocacy ITT's financial empowerment, itsfinancial coaching, its financial well being, which I know you guys are reallycommitted to with the get beyond money program. And that's something that youpiloted. But it's becoming a much larger part of the organization isbecoming a much larger part of the of the brand, for that matter. Can youspeak to that for a moment? Yes, The first thing that I want to say about itis it's who we are. It's so much more, though, than who we are. It's ourcommunity, were based in South Florida and south Florida. They're not afinancial financial literate, and put that in quotations. The type of peoplethey don't want to sit down. They don't want to talk like they don't wanna talkabout it. They don't. They want to do what they want to do. And they want toknow quick winds, which is totally fine because the whole purpose is we're notgoing to judge you, Thio be where you wanna be. It's about financialempowerment. So whatever it is that you want to do, we wanna help you get there.We wanna help you get beyond stress. We wanna help you get beyond whatever itis that's keeping you from getting there and help you achieve your goals.Everyone's goals are different. Everyone's what everyone does withtheir money is different. But at the end of the day, it's we wanna be ableto give you confidence and security in what you want to dio. I wanna I wannadive into this perspective because it's one that I think we need to be having alot more conversations around as organizations, really, as a culture toit was something that been shopping and...

I were talking about. Ben is thefounder and CEO at startup called Unify Money. and we're talking very similarthings. He was an episode number 52 when we look at this idea of peoplewant instant wins, they want instant gratification. That's why, for example,there's a lot of dopamine hits that we get when we buy something. And big techknows this. Like Z, the cards are stacked against us. What are theopportunities, though? To help someone see beyond the here and now, wherethey're wanting that dopamine hit, we've all become addicted to toe. Helpthem look, you know, 10 years down the road, 20 years down the road, 30 yearsdown the road, and maybe make simple behavior changes that you guide themdown that journey because it's very hard to do this as an individual. ItISS so I guess I want to share something personal. My biggest personalthing that I can kind of give people is my experience. So working in a financial institution wasmy first serious job out of college. I'm giving away my age here, but I gotmy first big job and I was like, Oh yeah, I'm making so much money like Iwas living at my mom's house so like I don't really read today. I was like,I'm going to spend my money because that's what I want to dio I thought,Let me buy work outfits. Let me by the most random things to Sometimes I wouldbuy like trinkets for my bedroom, like just dumb things that I didn't need.But because I could buy them. I did right, and it got me into a little bitof a sticky situation. Not a bad one. But it got to a point where Iidentified there was a clear problem. How am I going to fix it? And I myselfwent through or get beyond money program and my behavioral changes camein the form of reorganization. It was looking at things differentlyand seeing where I could shift not even my spending but what I'm doing with mymoney, For example, with an auto loan. If you know that you're already payinga lot with your auto loan, the simple fact of why don't you see if you can doa refinance that extra money with that extra money, take it to something likeif you have debt, put that towards a credit card payment. It's an extra. Itcould be up thio an extra $150 a month. It really could. Or if you have a leaseor if you're buying a car, checking your auto agreement sometimes gapcoverage. You don't even know what you purchase it through a dealership, andthen you also have it on your insurance. So it's looking at little things likethat that could save you 203 $100 a...

...month. $600 if you buy it in bulk likeit's just things like that where no, we're not taught about those things,but we want to make it. We want to make the community aware that there arethings that you could do that could probably save you upwards to e Don'tknow. A few $100 almost 1000 maybe a month Technology has transformed ourworld, and digital has changed the way consumers shop for and buy financialservices forever. Now, consumers make purchase decisions long before theywalk into a branch if they walk into a branch at all. But your financial brandstill wants to grow loans and deposits. We get it. Digital growth can feelconfusing, frustrating and overwhelming for any financial brand marketing andsales leader. But it doesn't have Thio because James Robert wrote the bookthat guides you every step of the way along your digital growth journey.Visit www dot digital growth dot com to get a preview of his best selling book,Banking on Digital Growth, or order a copy right Now for you and your teamfrom Amazon. Inside you'll find a strategic marketing manifesto that waswritten to transform financial brands, and it is packed full of practical andproven insights. You can start using today to confidently generate 10 timesmore loans and deposits. Now back to the show, and I think what you're talking to it'shelping first and foremost help the unaware become aware off what theopportunities are to stop losing money. And the reason I use that stop losingmoney is because people are more likely to make some of these modifications andtheir behavior and their thinking because their their behaviors areinformed by their thoughts, which are informed by their beliefs. And we couldgo down a whole rabbit hole with that. But we're not right now, but it allstarts with awareness and then acceptance and then third action andthen fourth is accountability. And what you're speaking to, to me, is veryspecial. Because one it's it's your own story. And it's your own experiencewith this to you work at a financial brand. And I think there's amisconception is that just because you work at a financial brand, you don'tstruggle with this? No, we all straight. I wonder how many others listeningright now either feel that same struggle and that same personalconflict themselves. And if that's you, it's okay, right? Like we're allworking through this together. And there are ways toe like your get beyondMoney program. You're bringing that internally to your team members. Andthen, really, the 3rd 12 is I think there's a major misconception, and thisis what Ben and I were talking about when he's over. Unified money is is forthe professionals. Many people think professionals, they make a lot of money,they don't have money problems, and that's absolutely incorrect. I agreewith you. I always wonder, you know,...

...even even celebrities you'recelebrities go bankrupt. Sometimes I myself, I I think you're always goingto have financial not struggles, but you're also you're always gonna runinto some obstacle financially, no matter what I guess. Like criteriayou're at Whether you know, whether you are making, ah, minimal amount of moneyor whether you're a millionaire. They all come with their set of problems. Weall do the life Well, I mean, biggie, Biggie Smalls. You know, notorious B ig. He hit the nail on the head years and years ago. When when he said moremoney. More problems, right? E mean, yeah. I mean, sometimes you might havethe financial problem of people trying to take your money, or you might havethe financial problem of not being able to afford rent. But whatever yourwherever you're at doesn't matter. Our goal is to just make you feel morecomfortable and you take away the stigma. Yes, and I think it's it'sfinding, you know what system works for you, E said. I reorganized my finances.That doesn't mean that they all went away overnight. It took a lot of work,but it's finding a system that works because people also forget you live aday to day life. You know what I mean and I think it is unfair. A lot oftimes when people expect you to stop doing everything you're doing. E. Idon't think you should stop living just thio, you know, pay bills. But ofcourse it's becoming a little bit more responsible. And that way you can havea healthy balance. You know, you talked about, you wanna make people feel morecomfortable. You mentioned the words judgment free before e. I think that'swhat a lot of particularly community financial institutions, they strive,and they and they may have an inward perception. Well, that's what what wedo. The challenges is there's an external gapen, external perception oran external positioning gap, like if we don't actually are intentional with thewords that we communicate, people are gonna think money is already stressfulbecause there's a natural cognitive load tied to it. And so are we. Eithera helping to reduce that cognitive load, reduce that mental stress or be are weinadvertently adding to it on a variety of factors, particularly digitally. Sowhen when you look at making people feel more comfortable, reduce thestigma, reduce the judgment judgment free. What are you doing on the contentfront because I know, for example, you are in the community as well becausethat's really what this is all about. It's about bringing people together.Toe, have a conversation. What are you doing? Because you mentioned podcasts.And if you got podcast, you've also did something recently is well, that Ithought was pretty neat. It was more of just a unopened form. A round tablediscussion. Yes, we have a round table...

...and we invited the community to cometogether toe honestly, Just talk with like minded people about theirsituations because you never know where an idea is going to spark or where apiece of useful information is going to come from. You know, some people findit from a fortune cookie. Some people find it for around people. You just younever know. But we started, you know, with the webinar format to we also havethose going so that people can watch because some people are afraid to stilltalk to others. Which is okay if you want Thio watch, we have videos towatch. We have the webinars to watch. We also have quizzes for people. So youknow, if you're someone who likes to swipe on your phone while you'rewatching Netflix. That one's a really good 12 We try to have that in mind.You know, a lot of people in today's day and age multitask e No, I'm one ofthose. Like I'm I'm a swiper while I watch Netflix so I don't I don't wannahave to sit there and like reading bulk unless I'm sitting in bed and I justwant something Like we said, we like quick wins. That's just how people arenowadays. We want everything like this. That's why Amazon Prime has two dayshipping. You know what I mean? So we do try Thio. Think of just people'stimes and just their lifestyles when we're creating content. So nothing toolong we like to keep it to What are people going through What can relate toyou? What are you just gonna find easy? Yeah. One of the things that I know ofis this is taking some time. This is not something that happens. Like atraditional marketing campaign. You do X, we get why, once again, instantgratification. It's a commitment, and it's something that has required notjust you but about a lot of others. Can you speak to the role that culture hasplayed on the progress of your of your digital growth journey? Yes. So getbeyond money has been a culture integration it. Like we said, it is whowe are. It's finding buy in from other people to also believe it's who we are.I think sometimes you know, on a day to day when things air thrown at you and Iknow everybody in every organization gets that you're like, Why am I doingwhat I'm doing? Well, really like to challenge our employees and show them,you know, this is why you're doing what you're doing. So we've even gone to theextent of having our employees go through the programas Well, it's justeducating them and, you know, telling them a swell like we don't judge you.If you want to be part of this, you are more than able to be part of it. It'screating them into ambassadors for getting on money, and it's simplethings to like changing the way you answer the phone. Ah, lot of ouremployees, but they've picked up on on social media, which is really specialis we have a hashtag. It's hashtag get...

...beyond money, and every time they sharea post, we now see the pick up on that, and we're able to track it because youcan click it. You contract to see who's using the HASHTAG a lot of when they'resharing a tropical and get beyond money content. They go in and they've learned,You know, that's the system because that's who we are. Yeah, a really goodconversation with carryin on her podcast about employee marketing andinternal marketing. She's the chief marketing officer over at J M and BGroup Down in the Caribbean. And um, yeah, I I think that is one of the mostgreatest untapped opportunities for digital growth. Is toe look inwardly atour internal employees because they really should be our biggest brandambassadors not only in the real world but also in the digital world becausethey have their own personal social networks. And if we as as marketingteams and content teams, can produce the content, we can use them to becomethe promoters of that content to get mawr eyeballs and not just for gettingmore eyeballs, but to really, truly help more people. When it comes toeworking in this digital world, you know it can be 24 7. How important is it totake time to just stop to pause, to disconnect? Because I've seen a lot ofdamage being done. Post covert of everyone really being on 24. 7. ItWe're not robots yet, but what does it take for that? Whenever you're lookingat this idea of like digital leadership, it's so funny. I was talking actuallywith my boss about this today. I think it's very important. So I think, Ah,lot of people are still stuck in the notion of if I'm not getting face time,they're not seeing me and seeing the importance of my work and the big one.Yeah, so if you want me to be absolutely candid, if you work forsomebody like that, I don't think that's the place for you. If if you'rehonestly if you're Boston 2020 and you still expect somebody to be on 24 7 andnot expect them to be working from home and have a baby crying in the back orlike have to take two minutes off because their families talking to themYou are crazy and you are expecting way too much of people, and you yourself,then don't understand humans. And how can you be a leader of a digital,especially a digital first community? When you don't understand the firstthing about humans? I think, yeah, I think that's the big thing that I'mfinding is the old world mentality. The legacy mentality of I Need to see you 9to 5 in a chair is vastly different, and covert has forced a lot of thisuncomfortable conversation toe have toe happen because there was some healthytension, if you will. But if we look at what's happened, post Covic work fromhome is riel. Work from home is never...

...going away. I think the next big thingOnce, once things start to open up again, it's not gonna be work from homebecause I don't really think home is necessarily conducive on a long termscale. I think what it's gonna be is gonna be work from anywhere. I agree.And to be honest, as a young person and I don't know how like generationsbefore me feel about that, I love it I love the opportunity of feeling like Ican do my work wherever I need to do it, because it comes back to that work lifebalance. Like if I can do my job and do a few hours here a few hours there at acoffee shop in another state. My dad's in the military. If I could do itoverseas and still have Internet access and still be doing impactful work, youknow we have ways to measure it. I just don't understand the problem with thatnow I do understand FaceTime. Yes, it is to an extent important, because howare we ever going to expect to, you know, become leaders? Keep growing, getraises? You know, those are really things. They are really things thatcome part of a job. And I hate to say this, but unfortunately, you know wedon't work for free, you know? So I do think the balance, But I do think thepressure of people working 24 7 that no, she needs to go away. That's just youdidn't expect it before, and why do you expect it now? Just because someone'sat home? I mean, people still like to log off and they like to be with theirfamilies. They like to unwind. They like to have a mental break. So thatway they can come back refreshed. Reset, recharged. Well, I think I think, too.It's also indicative and predictive of. You know, I've said this many timesbefore on this podcast, but we have moved beyond the commoditized producteconomy. Digital really sped that up. We're moving through the experienceeconomy right now, but I'm predicting the next major economy we will have iswhat I'm calling the expertise or the knowledge economy, where what you knowis far more valuable than, say, even what you do. Because the doing for manywill be commoditized. Thanks, Thio ai and machine learning. And I'm notpainting the picture of ah dystopian future. I look at that, you know, if wecan have a robot or a nay, I pick up the repeated repetitive task andautomate them. That gives us more time to really reflect on what's being donetoe learn new things to think about that learning and how it applies to aunique situation. So therefore and this is personal experience, the mawr I stepaway intentionally, and I've taken...

...email off my phone. I've taken socialmedia off my phone. I've taken my Internet browser off my phone. I have asmart, dumb phone because it is about creating that space and time, becausewhenever I come back, it's like something happens in the subconsciousmind like new connections are being made and I'm not even thinking about itand I come back and I'm like, Wow, it's a whole literally It's a whole newworld. You know what? Hearing you say that it's what you're not taking awayis the want to do what you're doing. I think when you do something too much,you take the want out of wanting to be there. You know what I mean? Yeah, youconsume yourself too much into it, and that's, uh to me. I don't think that'sokay, because there comes a point where people break. It's just we're humans.We feed off of emotions. One thing that robots lack is emotion. They're stillworking on them. They're still not capitalizing on them. But humans wereemotional things. We're emotional beings were emotional, but we're alsocommunal, meaning we need the connection with other people, whetherthat be obviously in a digital community like we've been talking about,but also the community in the world world, because it's through thatcommunity. That's where we find collaborative opportunities, toeelevate each other, and we continue toe to reach our full potential. You know,this has been such a fantastic conversation, and I'm grateful for thetime. I'm grateful for the insights and inspiration you share today, but Iwanna look ahead into 2021 together with you and and here from, like, whatis one very practical action recommendation that you could make toanother financial brand marketing cells or leadership team member that wants tocontinue to move forward and make progress along their own digital growthjourney? What would you recommend to them? Oh, wow, that's a really hardthing to answer on. Uh, what's a practical thing? To be honest, I thinkthe one practical thing that has helped me is writing things down. Whetherthat's organizing a task list or writing an idea down, I feel like onceI write it down, I am kind of like I'm married to it a little bit and it helpsme push a lot of things through, and I do think that's a very practical andeasy thing. Get yourself a notebook, get yourself a white board and justhave that time because you can take it with yourself. You can refer back to itin team meetings. It's It's just gonna help you, especially being from home orworking anywhere it just to stay on top of things and state organized. Soanalog tools help people to take action and commit to take that action in adigital world. I believe it 100%. Even in a digital world, there's nothingwrong with a little bit of pen and...

...paper. Absolutely not, becausesomething magical happens when you take an idea from your head. It goes downyour arm through the pin and you put it on paper. Something happens, and I'veseen it time and time again for myself and for those that I've been coaching.So Carol, Hey, thank you so much for such a great conversation. If anyone islistening and they have questions, they want to continue this conversation withyou. They want to connect with you. What's the best way for them to do that?Um you can find me on LinkedIn and on Instagram Cara Iaquinta I'm alwaysavailable. Thio Chat Thio collaborate to bounce ideas off each other. I loveconnecting, so please feel free to reach out to me. All right, well, youheard it from Cara herself. Connect and collaborate with her and, as always,until next time be Well, do good and wash your hands. Thank you. Thank youfor listening to another episode of banking on Digital Growth with JamesRobert Ley. Like what you hear. Tell a friend about the podcast and leave us areview on Apple podcasts, Google Podcast or Spotify and subscribe whileyou're there. To get even more practical in proven insights, visit wwwdot digital growth dot com to grab a preview of James Roberts bestsellingbook Banking on Digital Growth or order a copy right now for you and your teamfrom Amazon. Inside, you'll find a strategic marketing and sales blueprintframed around 12 key areas of focus that empower you to confidentlygenerate 10 times more loans and deposits until next time, be well anddo good.

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