In the latest episode of The Digital Banking Podcast, host Josh DeTar welcomed JR Lay, Founder and CEO of the Digital Growth Institute. The episode explored Lay’s journey from punk rock musician to digital banking strategist and the lessons he learned along the way.DeTar and Lay discussed how financial institutions can move beyond a defensive mindset and embrace transformation as an ongoing evolution rather than a disruption. "Are you playing a game to win, or are you playing a game not to lose?" Lay asked, challenging leaders to rethink their approach to industry shifts.The conversation covered the role of mindset in adapting to rapid technological change, the importance of vision in leadership, and how AI is reshaping financial services. Lay also highlighted the need for continuous learning and adaptability in an era of digital acceleration.Tune in to hear how financial leaders can shift their perspective, leverage technology without fear, and develop a strategy that positions their institution for long-term success.

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