Banking Transformed with Jim Marous

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,

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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

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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

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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

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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

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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

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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

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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

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9:11

How to Earn Attention in an Age of Distraction

Banking Transformed with Jim Marous ·

2026/06/17

"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, why visibility is not the same as relevance, and what banks and

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34:36

Reaching the Underserved: Strategies to Scale...

Banking Transformed with Jim Marous ·

2026/06/16

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:• Targeted Outreach: How to leverage pre-approved offers and

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10:11

How Digital Leaders Grow Revenues 5X Faster

Banking Transformed with Jim Marous ·

2026/06/15

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 factors separating the institutions pulling away from everyone else. He

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10:56

Unlocking Credit Access for Millions

Banking Transformed with Jim Marous ·

2026/06/10

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 need for responsible credit access continues to grow. Based on

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37:03

The Path to Banking's Dual Workforce, with nCino CEO...

Banking Transformed with Jim Marous ·

2026/06/09

What happens to traditional banking roles when a single employee can execute the responsibilities of ten different jobs? The banking sector is entering the era of the dual workforce. New global research from nCino reveals that 9 in 10 banking executives expect humans and AI agents to work side by side within five years, yet only 20% can currently prove their AI investments drive revenue growth. In this episode of Banking Transformed, host Jim Marous sits down live at nSight with Sean Desmond, CEO

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7:45

How Banks Can Fix the Real Reason Americans Aren't...

Banking Transformed with Jim Marous ·

2026/06/06

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 uncomfortable part is why the industry never automated everyday

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8:36

Hidden Driver Behind Banking's Next Consolidation

Banking Transformed with Jim Marous ·

2026/06/03

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 resilience means in 2026 and what it requires of leadership.Topics covered: •

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43:14

Why Capital One, Klarna & Coinbase Win AI Search

Banking Transformed with Jim Marous ·

2026/06/02

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 financial services at EMARKETER, about what the AI Visibility Index reveals

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11:23

How Chime Beat All Banks at Account Growth

Banking Transformed with Jim Marous ·

2026/05/30

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 fintech technology. Most of the tools driving Chime’s success already exist inside

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9:08

What is GEO and Why Does it Matter

Banking Transformed with Jim Marous ·

2026/05/27

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 every banking leader should run before their next executive meeting

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47:22

Leading Through Banking's Next Normal

Banking Transformed with Jim Marous ·

2026/05/26

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, how AI should be introduced as a teammate instead of a threat, and

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53:45

Jack Henry's 2026 Benchmark: Why Banks Lose Deposits...

Banking Transformed with Jim Marous ·

2026/05/21

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 Strategic Benchmark Study and explain why many financial institutions still struggle to act on signals already sitting in their own data. We discuss silent attrition, payment flow analytics, Gen Z

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