Banking Transformed with Jim Marous

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

The Branch as a Digital Growth Engine

August 5, 2026 • 10 mins
Branch networks in the United States are growing again, yet only 9% of consumers name branches as their preferred way to bank. Both facts are true because the branch’s job has changed from acquiring new customers to deepening relationships with the institution's existing customers. Jim Marous examines what the largest banks are actually doing with physical distribution. Chase reports that half of the new checking relations...
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Banking 2050: Who Owns the Customer?

August 4, 2026 • 42 mins
Nick Cowell, Principal and US retail banking leader at Deloitte, joins Jim Marous to unpack the firm's new series, 2050: Banking Beyond, and the question at its center: in 25 years, will banks still own the customer relationship? They get into why that relationship is the asset most at risk as AI agents, embedded finance, and open banking move engagement outside the bank's walls, why banks know so much about customers but tell t...
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What You Can't Buy From a Solution Provider

August 3, 2026 • 9 mins
The platform may have been designed to transform the institution, but often, the institution ends up redesigning the platform instead. Two institutions purchase the same digital account opening platform from the same provider. One can open accounts in just 3 minutes, while the other takes at least 9 minutes because it still requires a legacy ID step within the new technology. The provider and the solution are the same; only the...
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How Nubank Could Reprice U.S. Deposits

July 29, 2026 • 9 mins
Nubank can change the economics of deposits that it has never won. The Brazilian digital bank has conditional approval for a U.S. national bank charter and plans to open by 2027, and most coverage is asking whether it can take a meaningful share of the market from American institutions. Jim Marous gives the pragmatic take: Share is the wrong thing to watch. Nubank built more than 130 million customer relationships in Latin Amer...
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Banks Have More Data But Still Can't Get Personal

July 28, 2026 • 40 mins
Banks and credit unions have never known more about their customers. So why does so much of banking still feel impersonal? In this episode, David Acevedo, Vice President at Abrigo, joins Jim Marous to examine the gap between what an institution knows about a customer and what it actually does about it. They get into why more customer data has not led to better personal service, what separates the banks and credit unions that ...
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YouTube: Banking's New Front Door

July 27, 2026 • 9 mins
We can have all the trust in the world, but still lose the moment. Consumers aren’t asking many of their first financial questions in a bank branch anymore. They’re asking them on YouTube, social media, Reddit, podcasts, and increasingly through AI. New eMarketer research shows nearly 40% of adults under 45 now research banking products on social platforms, compared with about 10% of adults over 45. Financial institu...
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Why Readiness Beats AI in Banking

July 22, 2026 • 9 mins
The five biggest U.S. banks just cleared more than $49 billion in a single quarter, and most coverage treated it as a record profits story. The more important signal sits underneath. In this Banking Insights episode, Jim Marous digs into what the Q2 2026 megabank earnings mean for banks and credit unions that will never match a Wall Street technology budget, and why that gap is about to matter far less than it used to. The cost...
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Why BofA Is Betting on Branches

July 21, 2026 • 45 mins
What if the biggest myth in banking is that customers don’t need branches anymore? Because every time Bank of America opens a new financial center, digital sales in that market jump by 50 percent. Physical presence isn’t competing with digital — it’s accelerating it. Now, Bank of America is putting $750 million behind a bet the rest of the industry walked away from too soon, opening 150 new financial cen...
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Understanding the New Fintech Charter Race

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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Winning the New War for Banking Primacy

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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2026 Mid-Year Review with Ron Shevlin

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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Future of Bank Segmentation Is Conversational

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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How to Build a 6-Minute Loan Process

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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Google Finance App: Why Google Doesn’t Need to Become a Bank

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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Building a Modern Bank Around Partnerships

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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The Bank Run That Won’t Look Like One

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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Turning New Accounts Into Primary Relationships on Day 1

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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What the Apple Store Can Teach Retail Bankers

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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The SoFi Cross-Buy Engine Fuels Amazing Growth

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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The Best Banking Innovation Doesn't Need a Huge Budget

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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