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
November 13, 2025 • 14 mins
In this episode of Banking Transformed, Jim Marous exposes why digital transformation in banking is still more myth than reality. Despite massive investment and ambitious strategies, only 7% of banks achieve their intended digital outcomes.
Drawing on insights from the 2025 Retail Banking Trends and Priorities Report sponsored by Q2, Jim explores the leadership blind spots, cultural barriers, and misplaced priorities that are unde...
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November 7, 2025 • 29 mins
Fraud is no longer just a downstream cleanup issue. It’s a direct result of cyber incidents that outpace our organizational structures. Siloed teams still overlook weak signals, coordinated attacks manage to get through, and losses grow across different channels. That’s why banking leaders need a new strategy: one that treats fraud and cybersecurity as a unified defense, sharing intelligence, standard procedures, and real-time deci...
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November 4, 2025 • 47 mins
Today, I’m excited to welcome Colton Pond and Simon Taylor, the visionary co-founders of Fintech NerdCon to the Banking Transformed podcast. Fintech NerdCon is an event with no meetings, no sales booths … just top-tier networking with fintech operators and builders. It’s what happens when a fintech passion, Comic-Con energy, and genuine community building come together.
In this conversation, we’ll explore why they believe the fint...
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October 28, 2025 • 42 mins
Today, we're exploring one of banking's most vital yet often overlooked functions: corporate banking account analysis. Though it might not seem glamorous, this is where billions of dollars in revenue are gained or lost, and where the gap between a loyal corporate client and a frustrated one is often decided.
Joining us on the Banking Transformed podcast is Dan Gill, Industry Analyst at Zafin, an AI-powered banking platform that's ...
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October 23, 2025 • 42 mins
Financial institutions are overwhelmed with customer data but lack meaningful insights. Banks and credit unions find it difficult to accurately identify their customers across scattered digital channels, monitor customer behavior from the initial contact to conversion, and demonstrate which marketing efforts truly produce results … all while complying with strict data privacy laws.
Today on the Banking Transformed podcast, we're t...
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October 22, 2025 • 43 mins
Instant payments have officially entered the mainstream — but adoption is still uneven, and questions remain. How is FedNow performing more than a year after launch? What’s driving momentum, what’s holding institutions back, and what will it take for real-time payments to finally reach critical mass?
In this episode of Banking Transformed, I’m joined by Bernadette Ksepka, Senior Vice President and Deputy Head of Product Developmen...
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October 21, 2025 • 47 mins
Against the backdrop of the iconic Bonneville Salt Flats, where speed records are broken and boundaries are pushed, Colton Pond joined me to interview three visionary banking leaders who are breaking through the traditional limitations of legacy core banking systems. This unique setting perfectly mirrors the conversation's theme: the need for financial institutions to accelerate their modernization journey and adopt a modular appro...
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October 14, 2025 • 48 mins
What if your business banking clients could ask a question, in plain English, and get an instant, intelligent answer? No spreadsheets. No manual reports. Just the client, their data, and AI working together.
It sounds like science fiction, but it's happening right now. Grasshopper Bank has become the first U.S. bank to enable customers to connect their business banking data directly to Anthropic's Claude AI assistant, and the impl...
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October 7, 2025 • 46 mins
The future of banking isn't coming – it's already here. And yet, a staggering 46% of retail financial institutions admit they're either early in their digital transformation journey or still in planning stages.
At the heart of this inertia lies a familiar bottleneck: legacy core systems. While over 90% of banks surveyed this year say digital transformation is either a “critical” or “high” priority, less than 10% believe their curr...
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September 30, 2025 • 41 mins
AI is rewriting how value is created and moved, digital assets are making finance programmable, and open banking is turning data into a competitive weapon.
To become resilient, one must understand the collision between cutting-edge technology and centuries-old financial systems. How is open banking democratizing financial data? Why are some regions outpacing others in fintech innovation, while others lag behind? And what happens w...
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September 23, 2025 • 40 mins
As we passed the midway point of 2025, we're witnessing a fascinating convergence: social media has become the new town square for financial decisions, mobile apps are overtaking traditional banking channels, and after years of digital self-service, Americans are seeking human financial advice at levels not seen since the 2008 crisis. Meanwhile, alternative financial options are experiencing an unexpected renaissance, and artificia...
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September 18, 2025 • 29 mins
While most financial institutions see payment processing as just a commodity service, the smartest ones are realizing it's actually their secret weapon for strengthening commercial relationships, boosting non-interest income, and building real competitive advantages in a growing market.
Here's what might surprise you: banks that excel at providing merchant services not only keep their clients longer but also become essential partn...
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September 17, 2025 • 44 mins
In today’s rapidly changing financial landscape, traditional banking is no longer enough. Customers expect more than just accounts, loans, and transactions—they want personalized, real-time value delivered seamlessly across every touchpoint in their lives. That’s where ecosystem banking comes in.
In this episode of Banking Transformed, I’m joined by Mike Cook and Carson Kotnyek from Zafin to explore how banks can move beyond legac...
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September 16, 2025 • 41 mins
In banking, every second matters. Fraud happens in milliseconds. Customers demand instant answers. And AI can only deliver value if it’s powered by live, real-time data. Yet many banks are still relying on batch reports and outdated systems, making decisions based on yesterday’s insights.
The shift can’t wait. Forrester predicts that by 2025, half of all businesses will use AI-powered self-service as their primary customer touchpo...
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September 9, 2025 • 43 mins
Most banks, including potentially yours, are falling into a dangerous trap. They're announcing AI initiatives, holding innovation showcases, and talking about digital transformation, but when it comes to measurable business results, 70% have nothing to show for their investment.
The winners, like JPMorgan Chase, Capital One, and a few others, aren't just lucky. They've decoded a specific approach to talent, execution, and measurem...
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September 4, 2025 • 27 mins
In this episode of Banking Transformed, John Stuckey from FIS shares insights on the evolving landscape of digital business banking and the strategies financial institutions need to adopt for future growth.
The discussion examines how market needs have evolved for business banking clients, the effect of Customer 360 perspectives, the increasing influence of open banking on business financial relationships, and the ways AI is trans...
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September 2, 2025 • 49 mins
Silent attrition may be the biggest threat most banks aren’t talking about — and the stakes are rising fast.
The 2025 Generational Trends in Digital Banking study reveals that only 56% of digital banking consumers expect to maintain their current relationship over the next year, while the rest are quietly drifting toward stagnation or disengagement.
This continuous erosion of loyalty comes just as the U.S. faces one of the larges...
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August 28, 2025 • 33 mins
As I visit different cities and countries, I find that every financial institution is racing to claim they are “data-driven,” yet, as I dig deeper, I find that few are truly turning data into meaningful action.
From personalizing member experiences to unlocking operational efficiency, the ability to transform data into insight — and insight into impact — has become a strategic imperative. Yet the journey from collecting data to sc...
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August 26, 2025 • 42 mins
Every customer conversation – whether in a branch, online, or through a call center – holds the potential to either deepen loyalty or increase attrition. Yet too often, those interactions create frustration, higher costs, and lower satisfaction scores.
Today’s competitive advantage isn’t just having data. It’s knowing how to transform conversations into measurable business value. From lowering cost-to-serve to boosting Net Promote...
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August 19, 2025 • 44 mins
Fintech disruptors like Chime, Revolut, Venmo and the Cash App have shaken up the banking world by positioning themselves against traditional banking's pain points, yet most established banks continue to compete on incremental improvements rather than bold differentiation.
Consumers are drowning in nearly indistinguishable offers, a reality my guest on Banking Transformed, Laura Ries, calls out in her newest book, "The Strategic E...
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