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
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 they ...
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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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June 3, 2026 • 8 mins
The U.S. banking industry is about to enter the largest consolidation cycle in a generation, and the institutions most at risk may not be the ones with the weakest balance sheets. They will be the ones that waited too long to modernize.
Drawing on conversations with executives running institutions with $2 billion in assets to over a trillion, and research in conjunction with Alkami Technologies, this episode reframes what resilienc...
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June 2, 2026 • 43 mins
Why do the same financial brands keep showing up inside ChatGPT recommendations while many traditional institutions barely appear at all?New research from EMARKETER found that brands including Capital One, Klarna, Coinbase, PayPal, and Discover consistently rank among the most visible financial companies in AI recommendations.In this episode of Banking Transformed, Jim Marous speaks with Tiffani Montez, principal analyst for financ...
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May 30, 2026 • 11 mins
Chime now opens more new checking accounts than Chase, Wells Fargo, or Bank of America. And the company’s fastest-growing customer segment is no longer financially stressed households. It is higher-income consumers looking for a banking experience that feels simpler, faster, and less frustrating.In this Insight Video, Jim Marous breaks down the Chime flywheel and explains why the company’s growth is not really about fin...
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May 27, 2026 • 9 mins
Your bank may already be invisible.Not on Google. Invisible inside ChatGPT, Claude, and Gemini, where your customers now ask which bank to choose, which credit card to trust, and which financial app is worth their time. The AI gives them three names. Yours may not be one of them.Jim Marous breaks down the eMarketer AI Visibility Index data, the five specific moves a bank marketer can start this week, and the Monday Morning Test eve...
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May 26, 2026 • 47 mins
Banking transformation is rarely limited by technology. More often, it breaks down when teams lose trust, momentum, or clarity during change.
In this live conversation from The Financial Brand Forum, Pinnacle Financial Partners Chief Digital and Product Solutions Officer Liz Wolverton discusses what leaders get wrong about mergers, AI adoption, and digital transformation.
We explore how to reduce uncertainty during disruption...
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May 21, 2026 • 53 mins
Most banks and credit unions say growth is the top priority heading into 2026.
At the same time, fintechs are winning the relationships that drive future deposits, payments, and engagement.
In this episode, Lee Wetherington from Jack Henry joins me to break down the findings from their 2026 Strategy Benchmark Study and explain why many financial institutions still struggle to act on signals already sitting in their own data.
...
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May 20, 2026 • 9 mins
If you earned your marketing degree more than five years ago, you are already playing catch-up. Most banks are mailing in their response to AI.
I break down the four AI moves the best banking marketers are running now: targeting that finds micro-cohorts of one, personalization built around the customer instead of the account, predictive analytics that tie marketing to revenue, and whether AI search tools even mention your bank. ...
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May 19, 2026 • 47 mins
Most banks still treat AI as a faster way to do the same work. Citibank believes the entire operating model of banking is about to change.
Recorded live at the Financial Brand Forum, Driss Temsamani, Head of Digital at Citi and author of The Agentic Bank, explains why the next phase of AI is not about chatbots or isolated use cases. It is about rebuilding how banks deploy software, organize teams, serve customers, manage operati...
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May 16, 2026 • 8 mins
Banks are collecting more customer data than ever before. Yet most institutions still do not understand the customer any better.
In this Banking Insights episode, I explain why that gap is widening, what Bank of America has built with Erica over 3.2 billion conversations, and why the real advantage in banking is shifting from collecting information to learning from it in real time.
Drawing from my conversation with Jorge Cam...
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May 13, 2026 • 45 mins
Most banks still treat AI as a chatbot or efficiency tool. Bank of America built something much bigger.
In this live conversation from the Financial Brand Forum, Jorge Camargo, Head of Digital Platforms at Bank of America, explains how Erica evolved from a simple virtual assistant into infrastructure supporting 65 million clients across consumer banking, wealth management, and treasury services. Today, Erica is becoming the foun...
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