Loading...

PODCAST

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.

business business news

All Episodes

9:18

What You Can't Buy From a Solution Provider

Banking Transformed with Jim Marous ·

2026/08/03

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 results differ. Jim Marous explores why many digital banking

en

9:37

How Nubank Could Reprice U.S. Deposits

Banking Transformed with Jim Marous ·

2026/07/29

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 America by leading with credit and earning the deposits afterward, in

en

40:46

Banks Have More Data But Still Can't Get Personal

Banking Transformed with Jim Marous ·

2026/07/28

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 build lasting relationships from those that do not, and how to move

en

9:18

YouTube: Banking's New Front Door

Banking Transformed with Jim Marous ·

2026/07/27

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 institutions remain among the most trusted sources of financial guidance, yet many are

en

9:47

Why Readiness Beats AI in Banking

Banking Transformed with Jim Marous ·

2026/07/22

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 of using these tools is collapsing, so owning AI stops being an

en

45:04

Why BofA Is Betting on Branches

Banking Transformed with Jim Marous ·

2026/07/21

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 centers across 60 markets by 2027 at more than $5 million per location. Bold? Yes

en

10:03

Understanding the New Fintech Charter Race

Banking Transformed with Jim Marous ·

2026/07/20

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 business it's coming for, from stablecoin settlement to the whole customer

en

10:24

Winning the New War for Banking Primacy

Banking Transformed with Jim Marous ·

2026/07/16

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 it is 55%, and 77% among Gen Z. Those conversations are not happening

en

49:12

2026 Mid-Year Review with Ron Shevlin

Banking Transformed with Jim Marous ·

2026/07/14

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, and the pivotal question of how work gets done versus who does the work; the stablecoin

en

9:45

Future of Bank Segmentation Is Conversational

Banking Transformed with Jim Marous ·

2026/07/13

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 of America's Erica reveals about expressed need at scale, and why the

en

34:31

How to Build a 6-Minute Loan Process

Banking Transformed with Jim Marous ·

2026/07/09

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 membership enrollment and lending into one flow, involving risk and

en

8:42

Google Finance App: Why Google Doesn’t Need to Become...

Banking Transformed with Jim Marous ·

2026/07/08

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 different. Google isn’t chasing the banking product anymore. It is after the

en

40:12

Building a Modern Bank Around Partnerships

Banking Transformed with Jim Marous ·

2026/07/07

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 moving a model-line credit card company into deposits and lending,

en

11:39

The Bank Run That Won’t Look Like One

Banking Transformed with Jim Marous ·

2026/07/06

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 rather than loyalty, revisits the sweep account as the automated

en

8:46

Turning New Accounts Into Primary Relationships on Day 1

Banking Transformed with Jim Marous ·

2026/07/01

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 still become the one a customer’s financial life runs through, and the ladder

en

48:38

What the Apple Store Can Teach Retail Bankers

Banking Transformed with Jim Marous ·

2026/06/30

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 banking. Ron explains what Apple understood about earning trust one

en

9:43

The SoFi Cross-Buy Engine Fuels Amazing Growth

Banking Transformed with Jim Marous ·

2026/06/27

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, and timely options that make members want to expand the

en

8:32

The Best Banking Innovation Doesn't Need a Huge Budget

Banking Transformed with Jim Marous ·

2026/06/24

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 become invisible, embedded so naturally into how customers get paid

en

36:23

Arming Front-Line Bankers with AI Tools That Win Clients

Banking Transformed with Jim Marous ·

2026/06/23

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 used to lose to administrative work. Boyle believes that while change

en

7:57

Why Banks Miss Human Customer Moments

Banking Transformed with Jim Marous ·

2026/06/20

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 from companies that make ordinary interactions feel personal. The point is

en

569 results

Similar Podcasts

TaxTalent.com The Golden Rule Podcast

Adam Golden

TaxTalent.com Podcast

Tony Santiago

Banking Transformed with Jim Marous

LLH Media

Best of Business

Newstalk ZB

Organized Money

Rock Creek Sound