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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.

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All Episodes

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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9:59

Four AI Moves Every Bank Marketer Needs Now

Banking Transformed with Jim Marous ·

2026/05/20

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. Each move draws on Banking Transformed interviews with Raja

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47:46

Building the Agentic Bank With Citi’s Driss Temsamani

Banking Transformed with Jim Marous ·

2026/05/19

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 operations, and create decisions at scale. We discuss why software

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8:32

Why Banks With More Data Still Don't Understand the...

Banking Transformed with Jim Marous ·

2026/05/16

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 Camargo, Head of Digital Platforms at Bank of America, I explore why

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45:57

What 3.2 Billion AI Conversations Taught Bank of America

Banking Transformed with Jim Marous ·

2026/05/14

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 foundation for how Bank of America approaches agentic banking. We

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54:26

What Bank Executives Miss About the Fintech Threat

Banking Transformed with Jim Marous ·

2026/05/12

Is your bank being unbundled without realizing it?Most banking leaders are still watching the obvious disruptors. But the bigger threat may be happening behind the scenes, as software platforms, embedded finance, and agentic AI begin to reshape how financial services are delivered and who owns the customer relationship. In this episode, Rex Salisbury, founder of Cambrian, joins me to discuss what these shifts mean for traditional banking, why legacy moats are weakening, how seriously bankers

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10:22

The Silent Attrition Crisis in Banking: How to Detect...

Banking Transformed with Jim Marous ·

2026/05/09

Most banks think they have an attrition problem under control because the closure numbers still look healthy.But customers are not leaving the way they used to. They are opening accounts at Chime, SoFi, Robinhood, Cash App, and Acorns while keeping their old bank relationship open. The direct deposit stays, and the account stays active, and even the dashboard says everything is fine. Meanwhile, more spending, more engagement, and more deposits quietly move somewhere else. In this

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11:18

Triple New Account Growth in 90 Days

Banking Transformed with Jim Marous ·

2026/05/06

Most banks are losing customers after they have already decided to open an account, and it has nothing to do with pricing or competition. The breakdown occurs during the account-opening process itself.If you want to see it clearly, try it on your own mobile app. Start an application and time how long it takes to complete. In many cases, the experience is slow, repetitive, and built around steps that were never designed for a phone. In this episode, I walk through what changes when that

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44:54

Competing With Giants: How Community Banks Win

Banking Transformed with Jim Marous ·

2026/05/05

Ryan Bailey spent 20 years at Bank of America, JPMorgan Chase, TD Bank, Fifth Third, and USAA. Then he took over Cambridge Savings Bank, a 190-year-old, $7 billion mutual community bank in Massachusetts. In this Executive Leadership Series episode of Banking Transformed, recorded live at the Financial Brand Forum, Jim Marous and Ryan get into how community banks actually win against the giants. They cover the strategy behind Ivy Bank, Cambridge Savings’ national digital deposit brand, and why

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