The Age of Artificial Intelligence spares no one from its transformative power.

In fact, the rate at which technological change is accelerating is not just significant; it’s exponential in a way that has the power to reshape entire industries, from education to healthcare to banking. This can feel both exciting and confusing, both opportunity-rich and overwhelming.

How do we keep up? How do we move forward? What’s the next best step?

In Banking on Change, bestselling author James Robert Lay draws from his decades of leadership in financial services and fintech to guide you on a journey of human transformation, helping ensure you, your team, and your organization achieve exponential growth in the Age of AI.

With proven models and methodologies that integrate ancient wisdom with practical modern-day strategies, Banking on Change is your ultimate guide to navigating the complexities of change so you can achieve exponential growth with courage and confidence.

From the back cover of Banking on Change

Exponential change is the catalyst for exponential growth. 

No industry is immune to the pain of change in the age of Artificial Intelligence. But the greatest challenge to progress is rooted in human behavior, not technology. Does your organization have the tools needed to navigate exponential change? Is your team prepared? Are you prepared?


In Banking On Change, digital anthropologist James Robert Lay provides a clear path for eliminating chaos and confusion in the age of AI and maximizing potential for individuals, teams, and organizations in financial services and beyond. You’ll learn a strategic framework for achieving exponential growth while avoiding common pitfalls capable of stealing your time, energy, and attention, especially in a digital world. With models and methodologies applicable in any industry, Banking On Change is your ultimate guide for conquering the unknown and ensuring growth in a time of technological transformation.

What People Are Saying

“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 Owner and CEO of the Digital Banking Report

“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.com

“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