Banking Transformed with Jim Marous
Are you prepared to embrace change, take risks and disrupt yourself in response to the digital disruption in banking? If not, this podcast is for you. Hosted by top 5 banking and fintech influencer, Jim Marous, Banking Transformed highlights the leadership and cultural challenges facing the banking industry. Featuring interviews with some of the top minds in business, this podcast explores how financial institutions can prepare for the future of banking.
Episodes
July 20, 2026 • 10 mins
A charter can take your products. It can't take your relationships — unless you let it.
In the first half of 2026, two dozen companies lined up to become banks, nearly matching last year's total, but almost none of these filings mean the same thing.
In this Banking Insights episode, Jim Marous hands financial institutions a decoder ring: the type of charter a company chooses tells you exactly which part of the busines...
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July 15, 2026 • 10 mins
Your dashboard says you are their primary bank. You may only be their vault.
More than half of the new checking accounts opened today are additional accounts. The direct deposit lands with you. The relationship lives somewhere else.
Primacy no longer begins with the transaction. It begins earlier, at the moment a customer asks their first financial question. Last year, 10% of Americans took that question to an AI. This year i...
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July 14, 2026 • 49 mins
What actually mattered in banking during the first half of 2026 — and what was just noise?
Jim Marous welcomes Ron Shevlin, Chief Research Officer at Cornerstone Advisors, back to Banking Transformed for a mid-year review that cuts through the hype.
The conversation covers why agentic AI is both overweighted and underweighted by banks and credit unions; Ron Shevlin’s three-part framework for AI’s impact, an...
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July 13, 2026 • 9 mins
Your bank has a birth date for every customer and almost no idea who any of them really are.
In this Banking Insights Video, Jim Marous argues that age-based segmentation is failing at both ends of the range, the 72-year-old living on his phone and the 22-year-old who wants a human for her first loan, and that the way forward is a better question. He traces how a date of birth became banking's most overused shortcut, what Bank o...
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July 9, 2026 • 34 mins
A six-minute loan process comes down to a handful of decisions any institution can make.
Jim Marous talks with Adam Cadmus of The Atlantic Federal Credit Union and Benjamin Conant of Alkami about how a $240 million credit union rebuilt consumer lending from the ground up, cutting account opening from two days to six minutes with most loans closing document-free.
They walk through the moves that made it work: bringing membersh...
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July 8, 2026 • 8 mins
On June 25, 2026, Google launched a new Google Finance app. It looks like a market-data tool. It is the opening move in Google’s banking reset, and Google doesn’t need to become a bank to pull it off.
In this Banking Insight video, Jim Marous makes the case that for a decade, Google has reached into banking, with checking accounts, payments, and comparison, and retreated every time, and that this time is genuinely di...
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July 7, 2026 • 40 mins
There is a quiet danger in banking. You get very good at one thing, and you keep doing it right up until the market shifts under you.
Barclays built one of the largest card businesses in the US without a single branch, reaching customers through trusted brands like JetBlue, AARP, and General Motors rather than its own name. Peter Gasparro, Chief Development Officer at Barclays US Consumer Bank, joins Jim Marous to talk through m...
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July 6, 2026 • 11 mins
The next bank run will not look like a run.
No crowd, no panic, just balances leaving quietly as customers’ AI agents move money to a better rate while everyone sleeps. In this episode of Banking Transformed, Jim Marous explains why the agentic era changes the physics of deposits, and why the money you assume is loyal may only be waiting for software to notice the spread.
Jim reframes deposit stickiness as friction rat...
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July 1, 2026 • 8 mins
A newly opened account usually starts in third place. Here is how banks turn new customers into primary relationships in the first 90 days.
The average checking customer now uses three banks (J.D. Power), so most new accounts land behind two institutions the customer already trusts. In this episode of Banking Transformed, Jim Marous breaks down the primacy window, the short stretch after account opening when a bank can sti...
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June 30, 2026 • 48 mins
Ron Johnson created the Apple Store and the Genius Bar. Here is what banks can learn from him about trust, branch design, and the future of human experience in banking.
In this episode of Banking Transformed, Jim Marous talks with Apple Store creator Ron Johnson about his new book, Shop Different: How Retail Revealed Apple’s Genius, and why the branch becomes more important, not less, as AI and mobile apps absorb routine b...
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June 27, 2026 • 9 mins
SoFi is not winning by cross-selling harder. It is building a bank where members reach for the next product on their own.In this episode, Jim Marous breaks down how SoFi moved from a single-product student loan company to a full-service digital bank with a powerful customer growth engine. The key insight is the shift from cross-sell to cross-buy: instead of pushing another product, SoFi creates daily engagement, useful experiences,...
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June 24, 2026 • 8 mins
The best banking innovation isn't about budget. It's about the distance to the customer.Jim Marous unpacks the 16th Edition Innovation in Retail Banking Report from Infosys Finacle and Qorus and explains why most retail banking innovation never reaches scale. Only 31% of initiatives are deployed at scale and delivering, and fewer than 4% of banks have agentic AI running at full scale. The innovations that win share one trait. They ...
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June 23, 2026 • 36 mins
The relationship managers who resisted AI the hardest became its biggest advocates the first time it made them a hero in front of a client.
Recorded live at nSight in Charlotte, Jim Marous talks with Jillian Boyle, SVP at WaFd Bank, and Will Jung, CTO of nCino, about arming front-line bankers rather than automating them. WaFd, with nearly $30 billion in assets, put an app in its bankers’ hands and gave them back the time the...
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June 20, 2026 • 7 mins
Most banks know far more about their customers than the customer ever feels. In this Banking Insight Video, I look at why relationship banking often feels programmed, from the quarterly business banker check-in that goes to voicemail to the small human moments customers actually remember.Using examples from Ritz-Carlton, Delta, Nordstrom, Disney and TD Bank’s Automated Treat Machine, this episode explores what banks can learn...
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June 17, 2026 • 9 mins
"The banking industry spends billions competing for deposits, loans, and new accounts. But what if the real competition starts much earlier?
In this episode of Banking Insights, Jim Marous explores why attention has become one of the most valuable assets in banking and why many financial institutions are losing the battle without realizing it.
Using the FIFA World Cup as a lens, Jim examines how organizations earn attention, ...
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June 16, 2026 • 34 mins
Traditional financial institutions often view the credit-underserved market as a liability. In this episode of Banking Transformed, Michael Coleman, CMO of Credit One Bank, joins me to demonstrate how that mindset is shifting. We explore the actionable strategies banks can use to reach millions of underserved households by moving from fear-based risk avoidance to purposeful risk management.We break down the pathway to inclusion:• ...
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June 15, 2026 • 10 mins
Only 13% of banks and credit unions are operating at the highest level of digital maturity. They are growing revenues at 5X the rate of their less mature peers, and they are not the largest institutions.In this episode of Banking Transformed, Jim Marous draws on new research from Alkami and the Emerald Research Group to explain what digital maturity actually means today, why it no longer correlates with asset size, and the three fa...
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June 10, 2026 • 10 mins
Sixty-five million Americans cannot fully participate in the economy that most people take for granted. For many, the issue is not irresponsibility. It is a medical crisis, divorce, job loss, thin credit file, or temporary setback that pushed them outside the traditional credit system.
In this Banking Insights episode, I examine why more banks and credit unions are retreating from consumers with credit scores below 670, even as the...
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June 9, 2026 • 37 mins
How will bankers and AI agents be working side by side five years from now?
For most banks, that is no longer a hypothetical. New global research from nCino (link below) finds that 89% of banking executives expect their organization to be a combination of humans and AI agents within five years, and 84% say agentic AI has already changed how most banking roles operate.
Leaders frame this as a move toward higher-value work. 91...
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June 6, 2026 • 7 mins
Americans are saving less than they have in years, and the banking industry is partly to blame.Jim Marous argues that the savings crisis is partly a design failure. Banks spent decades making spending effortless while leaving saving to willpower, and the programs that actually changed behavior, from Christmas Clubs to round-ups to retirement auto-enrollment, all worked the same way: they built a system and removed the decision. The...
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