Banking Transformed with Jim Marous

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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8:45

Atomic Habits for Banking: How Small Changes Separate...

Banking Transformed with Jim Marous ·

2026/05/02

James Clear's Atomic Habits is the blueprint for professional change, but most banks are applying it incorrectly. In this episode of the Banking Insights series, I unpack the 1% daily compounding math that dictates why some banks quietly lose competitive ground while others compound forward. I share my personal journey of losing 80 pounds and rebuilding this video series using the same system. Then I introduce the compounding gap framework, the invisible force that explains why so many strategic

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52:22

Banking's Reality Check: The Real Threat Is You

Banking Transformed with Jim Marous ·

2026/04/30

The biggest threat to your bank isn’t a fintech, a stablecoin, or the next Elon Musk venture. It’s the executive who already knows what needs to change and still isn’t changing it. At the Financial Brand Forum, Ron Shevlin and I took the stage for a live Pardon the Finterruption session focused on what actually matters right now. No long runway. No polished conference script. Just a fast-moving exchange where we pushed back and forth on 10 of the most pressing issues facing banking. We

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47:24

Primitive & MX are Building an AI Agent Operating System

Banking Transformed with Jim Marous ·

2026/04/28

Banks have spent three years experimenting with generative AI. Most of those pilots are quietly dying. Not because the technology failed, but because no one could prove the return, govern the risk, or scale what worked.In this episode of Banking Transformed, I sit down with Derek White, founder and CEO of Primitive, and Ryan Caldwell, founder and CEO of MX. Primitive launched as the complete AI agent operating system purpose-built for regulated financial institutions. The MX partnership powers a

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9:16

Why External Noise Is Slowing Banking Decisions

Banking Transformed with Jim Marous ·

2026/04/26

The loudest thing in banking right now is not on the agenda.Leaders are waking up to headlines and uncertainty that shape decisions before the day even begins. Many institutions are stuck on a treadmill, showing plenty of effort and motion without enough real forward progress. The leaders widening the gap are doing it with stronger internal clarity. In this Insight Video, I explore why digital maturity is really about the speed and quality of decisions while the ground is moving under you. I also

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8:22

Agentic AI: The End of Reactive Banking

Banking Transformed with Jim Marous ·

2026/04/22

The era of the reactive bank is over. Whether you’re ready or not, leading institutions have moved beyond responding to customers and are now using AI to drive real-time decisions and outcomes. In this Insight Video, Jim Marous explores the massive structural gap in the industry: 96% of institutions say they are engaged with agentic AI, yet only 19% have anything in production. Why is the "self-driving bank" still just a pilot for most? We dive into the data from Deloitte, MIT, and McKinsey to

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33:20

Winning The Attention War That's Reshaping Banking

Banking Transformed with Jim Marous ·

2026/04/21

Your bank might be winning the battle for the transaction. It is losing the attention war for the customer. Live from Fintech Meetup in Las Vegas, host Jim Marous is joined by Alex Johnson (Fintech Takes) and Mary Wisniewski (Cornerstone) to unpack the most critical shift in retail banking today: the move from a utility-based model to an attention-based economy. Traditional institutions are relying on customer inertia. Fintech leaders like NuBank are hiring out of TikTok to capture daily

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9:26

6 Digital Strategies Banking Must Learn from the Oura...

Banking Transformed with Jim Marous ·

2026/04/15

The data exists. The technology exists. What's missing is the will to act. In this Insight Video, Jim Marous explores why a $300 health ring is out-innovating the banking industry. With an $11B valuation and $1B in annual revenue, Oura has mastered the Platform over Product strategy that most financial institutions are still struggling to commit to. Jim breaks down his personal experience with the Oura Ring and translates its success into 6 executable strategies your team can scope, pilot, and

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50:21

How Branches Can Win Attention and Generate Growth

Banking Transformed with Jim Marous ·

2026/04/14

In this episode of Banking Transformed, Jim Marous is joined by Amy Hysell, President and CEO of Arizona Financial Credit Union, live from the organization’s new Biltmore Branch in Phoenix. Built from the conversion of a former top-five bank location, this branch was designed to do more than serve members. It was built to create visibility, generate word of mouth, and become a true showcase for the brand in the community. Jim and Amy discuss why Arizona Financial made this investment, how the

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18:11

Bank Branches Must Earn Their Place

Banking Transformed with Jim Marous ·

2026/04/07

For more than a decade, banks have been told that digital channels would replace the branch. In many parts of the world, that has proven true. But the U.S. market is different—and the data tells a very different story.When Bank of America opens a new branch, digital sales in that market increase by 50%, reinforcing a critical shift in thinking: physical presence doesn’t compete with digital adoption—it accelerates it. In this episode, recorded on location at Arizona Financial Credit Union, Jim

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44:05

From Cash and Cards to Invisible Banking

Banking Transformed with Jim Marous ·

2026/03/31

The convergence of artificial intelligence, real-time payment rails, open banking, and embedded finance is creating both unprecedented opportunities for innovation and significant competitive pressures. Banks must navigate the delicate balance between embracing cutting-edge technologies, such as generative AI, and maintaining the trust and security that customers demand.In this episode of the Banking Transformed podcast, we delve into the rapidly evolving payments ecosystem with Rich Clow, Head of

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51:36

10 Ways to Become a Customer Obsessed Bank

Banking Transformed with Jim Marous ·

2026/03/24

Most banks say they're customer-centric, but very few are customer-obsessed. And that gap shows up directly in the numbers: obsessed customers are 88% likely to repurchase, and 42% have already recommended the company 5 or more times in the past year.Marbue Brown led customer experience at JPMorgan Chase's Consumer Bank, built Amazon's AI-driven CX operation, and has done the same at Microsoft and Cisco. His book, Blueprint for Customer Obsession, lays out nine practices across three pillars that

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44:50

AI is the Operating System of Modern Lending

Banking Transformed with Jim Marous ·

2026/03/17

Most banks still treat lending as a point-in-time decision. Pull a score. Make a call. Wait.In today’s environment, that model limits growth and weakens earnings durability. In this episode of Banking Transformed, I speak with S. P. “Wije” Wijegoonaratna, Co-Founder and CEO of Aliya, about how AI-powered operational intelligence is transforming lending from episodic approvals into continuous, governed opportunity exploration. Aliya’s platform connects bank-account data, marketing intelligence,

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