"More than ever, success will be defined by a leader's (and an organization's) willingness to embrace change. The willingness to move outside an individual's and organization's comfort zone, accepting risk and disrupting the status quo, will build the foundation to be agile and future-ready. In his book Banking on Change, James Robert Lay provides an action plan for growth at a time when change is happening faster than ever before. This book provides the playbook for growth at a time of uncertainty."

-Jim Marous, co-publisher of The Financial Brand and host of the Banking Transformed podcast

"The continuing theme in digital transformation is that it is not a technological change but a mindset change. Leaders in any organization struggle to understand this and, more importantly, to lead it. It's about changing organizational behaviors to be digital first. It's a cultural thing. In this book, James Robert provides a roadmap for realizing these challenges and how to deal with them. I'm sure it will help any person in any role find a better way to get to grips with digital in banking."

-Chris Skinner, author of the bestselling book Digital Bank and commentator at TheFinanser

"James Robert Lay's Banking on Change dives into the heart of human transformation required for digital transformation. He offers a roadmap that is both practical and inspiring. This book is a must-read for those aspiring to lead and succeed in the rapidly evolving digital world. Read it, and you will for sure think and do differently than you did before."

-Allison Netzer, author of the bestselling books Think like a Brand, Not a Bank and A Year of Thinking Differently

"James Robert Lay's insights in Banking on Change are invaluable in guiding financial brand leaders through the complexities of digital, sales, and cultural transformation. James Robert's approach to understanding and leveraging change is both innovative and practical. This book is required reading for any executive leader ready to lead others through these dynamic times."

-Jack Hubbard, Co-Founder and Managing Partner at The Modern Banker

"Having witnessed firsthand the significant change in the financial industry over the past decade, I love Banking on Change by James Robert Lay. It captures the essence of this rapid evolution, offering readers insightful strategies for adapting and thriving in this dynamic landscape. Lay's book is a testament to the transformative power of innovation and courage in banking."

-Greg Palmer, VP at Finovate and host of the Finovate podcast

"This is the definitive guide for leaders navigating the seismic shifts of change in the banking industry and beyond. As a digital anthropologist, James Robert Lay's insights and strategies are unmatched, making him the ideal guide through this era of change. There's simply no one better than Lay at steering leaders toward a successful transformation that leads to future growth."

-Jeffery Kendall, CEO at Nymbus

"The guidance James Robert Lay shares has been pivotal in transforming the growth trajectory at Centier Bank. His direct involvement and practical lessons have provided us with invaluable insights and strategies. As someone who has read extensively in this field, I find Lay's approach uniquely effective, combining deep industry knowledge with practical application to drive meaningful progress."

-Mike Schrage, CEO at Centier Bank