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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

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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43:43

Beyond Customer Experience with Joe Pine

Banking Transformed with Jim Marous ·

2026/03/10

For the past decade, financial institutions have poured billions into improving customer experience. Digital journeys. Frictionless onboarding. Personalization. Higher satisfaction scores.But according to Joe Pine, that era is over. In this episode of Banking Transformed, I sit down with Joe, the author of The Transformation Economy and co-author of the landmark Experience Economy, to explore what comes after customer experience in banking. If experiences are now expected rather than

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40:42

Why Credit Union Transformation Is Stalling and How...

Banking Transformed with Jim Marous ·

2026/03/05

Credit unions entered 2026 with more digital ambition than any segment of the banking industry. Yet 60% are still in early stages of transformation or lack clear goals.That’s not a strategy issue. It’s an execution issue. In this episode of The Experience Factor, sponsored by Q2, Jim Marous sits down with Jesus Garcia, Chief Experience Officer at OceanAir Federal Credit Union, to examine what the 2026 Retail Banking Trends and Priorities report reveals about the credit union sector and how one

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50:27

Banks Must Move Beyond Product Parity

Banking Transformed with Jim Marous ·

2026/03/03

If your bank is still competing on features, you don’t have a strategy. There was a time when products and features made a difference. That time is gone. Digital is now expected. Rates are aligned. Features are replicated. And AI can compare them instantly. If you're leading with just what you offer, you're competing in a race where everyone looks the same. Allison Netzer's "Think Like a Brand, Not Like a Bank" Version 2 shares three years of implementation data from banks and credit unions that

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40:18

Why Banks Can't Afford to Wait on Voice AI

Banking Transformed with Jim Marous ·

2026/02/24

For decades, banks have forced customers into frustrating phone trees and rigid IVR systems—all in the name of efficiency. But what if automation could actually strengthen customer relationships instead of eroding them?In this episode of Banking Transformed, Jim Marous speaks with Isaiah Granet, Co-Founder and CEO of Bland, to explore how voice AI is transforming banking relationships, modernizing call centers, and delivering measurable operational results. They explore which workflows truly

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23:17

Credit One Bank Serves Those Who Others Won’t

Banking Transformed with Jim Marous ·

2026/02/18

About 25% of Americans can’t get a credit card from a major bank, and more than half are one or two missed paychecks from a credit crisis. Yet most financial institutions still design their products for prime borrowers and pretend the rest of the market doesn’t exist.In this episode of Banking Transformed, I sit down with Steve Min, Chief Credit Officer at Credit One Bank, who has built a business around the customers most banks would rather turn away. We talk about why two-thirds of consumers don’t

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45:07

What Liquid Death Can Teach Banks

Banking Transformed with Jim Marous ·

2026/02/17

Liquid Death reached a $1.4 billion valuation selling water in cans. Meanwhile, banks spent $500 billion on transformation last year and still struggle to stand out. The gap isn't money - it's courage.Most banks are still designed to protect the status quo. Risk avoidance dominates, small changes are called progress, and true creativity rarely makes it through the internal process to reach customers. Challenger brands like Liquid Death don’t win because they spend more or market louder. They win

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12:48

2026 Banking Trends Reveal a Dangerous Execution Gap

Banking Transformed with Jim Marous ·

2026/02/16

Retail banking leaders have never had more clarity about what needs to change, yet execution continues to lag. In this video, discussing the most critical insight from the 2026 Retail Banking Trends and Priorities research, Jim Marous examines where transformation efforts stall across digital experience, payments, AI, and partnerships, and why incremental progress is no longer enough to keep pace with customer expectations or non-bank competitors.This discussion challenges leaders to move beyond

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38:02

Why Incremental Banking Improvements No Longer Work

Banking Transformed with Jim Marous ·

2026/02/10

With over $2 trillion in deposits already lost to digital banks and fintechs, incremental banking improvements are no longer a strategy; they’re a liability.Today, I'm joined by Benjamin Conant, Chief Product Officer at Alkami and Co-founder of MANTL, to discuss insights from their new 2026 Banking Predictions Report and what it reveals about why banks and credit unions are quietly falling behind. The discussion focuses on unifying systems that have operated in silos for decades, turning branches

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