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PODCAST

Banking Transformed with Jim Marous

Evergreen Podcasts

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

45:09

Why BofA Is Betting on Branches

Banking Transformed with Jim Marous ·

2026/01/01

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. Contradictory

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52:54

Core Modernization, AI, and the Future of Banking

Banking Transformed with Jim Marous ·

2025/12/30

Every bank today is trying to appear modern. But you can’t operate a digital institution with a core system that hasn’t been updated since the iPhone was introduced. After years of adding new features on top of outdated infrastructure, the limitations become clear: legacy cores slow innovation, hinder personalization, and make it nearly impossible to compete in an AI-driven world. Modernization is no longer just a tech project. It’s a strategic choice for whether a bank can stay competitive. Banks

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6:45

The Banking Growth Opportunity Banks Keep Missing

Banking Transformed with Jim Marous ·

2025/12/29

Nearly half of U.S. households are living paycheck to paycheck, yet millions of financially capable people are denied access to affordable credit. That is not a consumer failure. It is a system failure. I recently spoke at the Hope Global Forums in Atlanta, where the focus is on economic opportunity. I challenged the banking industry to address a blind spot. We rely on outdated credit models that look backward, not at real cash flow, real behavior, or real potential. When credit is denied,

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46:16

Why Today’s Banking System is Failing Consumers

Banking Transformed with Jim Marous ·

2025/12/23

The biggest threat to consumer financial health isn’t inflation, stagnant wages, or market volatility, but the financial system itself. Not because it’s failing, but because it’s been silently optimized to benefit the most educated, the wealthiest, and the most sophisticated players.In the new book Fixed, a harsh truth is revealed: from daily saving and borrowing to education loans, insurance, and retirement planning, personal finance is designed to disadvantage the very people it seeks to help

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43:36

AI Is Breaking Banking’s Scale Advantage

Banking Transformed with Jim Marous ·

2025/12/16

The biggest competitive advantage in banking right now isn’t scale … it’s speed. According to PwC, GenAI is reshaping the balance of power across financial services, and the banks that move fastest will define the next era of growth.In fact, 58% of banking leaders believe generative and agentic AI will be the single most transformative force in the industry over the next three years, and 55% already consider it their top investment priority—more than any other sector in financial services. What’s

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38:31

Banks Are Wasting 50% of Their Marketing Budget

Banking Transformed with Jim Marous ·

2025/12/11

Consumers don’t want more banking messages — they want relevance. And right now, most banks are wildly out of sync with what their communities actually need.Consumers want communication that reflects their neighborhood, life stage, and immediate financial needs — and broad, one-size-fits-all marketing isn’t effective. Hyperlocal strategies are emerging as some of the most powerful ways to drive acquisition, strengthen relationships, and capture market share. In this episode of Banking

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16:19

Why Do All Banks Look and Feel the Same?

Banking Transformed with Jim Marous ·

2025/12/09

In this video, Jim Marous broadcasts from Miami’s Wynwood Arts District — one of the most vibrant creative hubs in the world. Using the evolution of Wynwood as a backdrop, Jim explores why so many financial institutions struggle to differentiate, why creativity has become a strategic imperative, and how banks can learn from brands and artists unafraid to take bold, distinctive stands. From the history of Wynwood’s transformation to the sameness of today’s mobile banking experiences, Jim breaks down

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27:35

Future of Banking Through the Eyes of a Shark

Banking Transformed with Jim Marous ·

2025/12/02

Today on Banking Transformed, I sit down with someone who never holds back – Kevin O’Leary from Shark Tank. We recorded this conversation live at the Catalyst Strategic Summit in Austin, where Kevin and I explored one of the biggest questions facing the industry today: What is the real future of retail banking—and where do smaller financial institutions still have a competitive edge? Kevin shares his unfiltered views on consolidation, regulation, innovation, leadership, and why he believes niche

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11:31

SpaceX Lessons to Shorten Innovation Cycles

Banking Transformed with Jim Marous ·

2025/11/18

The secret to breakthrough innovation isn't having more resources. It's all about learning faster. SpaceX went from near-bankruptcy to reshaping a $400 billion industry by compressing learning loops from years to weeks.This isn't just a space story. It's a blueprint for any regulated industry. If you change the speed of learning, you'll change the slope of performance. In this video, I share four lessons and one 90-day framework to compress your innovation cycles from months to weeks. Only 11% of

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14:59

Digital Banking Transformation Myth

Banking Transformed with Jim Marous ·

2025/11/13

In this episode of Banking Transformed, Jim Marous exposes why digital transformation in banking is still more myth than reality. Despite massive investment and ambitious strategies, only 7% of banks achieve their intended digital outcomes.Drawing on insights from the 2025 Retail Banking Trends and Priorities Report sponsored by Q2, Jim explores the leadership blind spots, cultural barriers, and misplaced priorities that are undermining progress across the industry. He reveals how institutions are

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29:56

The New Playbook for Fraud & Cyber Defense

Banking Transformed with Jim Marous ·

2025/11/07

Fraud is no longer just a downstream cleanup issue. It’s a direct result of cyber incidents that outpace our organizational structures. Siloed teams still overlook weak signals, coordinated attacks manage to get through, and losses grow across different channels. That’s why banking leaders need a new strategy: one that treats fraud and cybersecurity as a unified defense, sharing intelligence, standard procedures, and real-time decision-making.In this episode of Banking Transformed, we’ll explain

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47:58

How Fintech NerdCon is Reimagining Banking Events

Banking Transformed with Jim Marous ·

2025/11/04

Today, I’m excited to welcome Colton Pond and Simon Taylor, the visionary co-founders of Fintech NerdCon to the Banking Transformed podcast. Fintech NerdCon is an event with no meetings, no sales booths … just top-tier networking with fintech operators and builders. It’s what happens when a fintech passion, Comic-Con energy, and genuine community building come together. In this conversation, we’ll explore why they believe the fintech conference circuit needs disruption, how they’re creating a

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42:27

New Path to Corporate Banking Loyalty

Banking Transformed with Jim Marous ·

2025/10/28

Today, we're exploring one of banking's most vital yet often overlooked functions: corporate banking account analysis. Though it might not seem glamorous, this is where billions of dollars in revenue are gained or lost, and where the gap between a loyal corporate client and a frustrated one is often decided.Joining us on the Banking Transformed podcast is Dan Gill, Industry Analyst at Zafin, an AI-powered banking platform that's revolutionizing how banks handle pricing, billing, and customer

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42:13

The Identity-Driven Marketing Playbook

Banking Transformed with Jim Marous ·

2025/10/23

Financial institutions are overwhelmed with customer data but lack meaningful insights. Banks and credit unions find it difficult to accurately identify their customers across scattered digital channels, monitor customer behavior from the initial contact to conversion, and demonstrate which marketing efforts truly produce results … all while complying with strict data privacy laws.Today on the Banking Transformed podcast, we're tackling these issues with Harmon Lyons, Vice President of Strategy

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43:21

Beyond the Myths: What’s Happening with Instant...

Banking Transformed with Jim Marous ·

2025/10/22

Instant payments have officially entered the mainstream — but adoption is still uneven, and questions remain. How is FedNow performing more than a year after launch? What’s driving momentum, what’s holding institutions back, and what will it take for real-time payments to finally reach critical mass? In this episode of Banking Transformed, I’m joined by Bernadette Ksepka, Senior Vice President and Deputy Head of Product Development for the Federal Reserve’s FedNow Service. We’ll explore how instant

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47:22

Customer-First, Modular Banking Built for Speed

Banking Transformed with Jim Marous ·

2025/10/21

Against the backdrop of the iconic Bonneville Salt Flats, where speed records are broken and boundaries are pushed, Colton Pond joined me to interview three visionary banking leaders who are breaking through the traditional limitations of legacy core banking systems. This unique setting perfectly mirrors the conversation's theme: the need for financial institutions to accelerate their modernization journey and adopt a modular approach to the future. In this compelling episode of Banking

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48:00

Inside Grasshopper Bank’s Claude AI Integration

Banking Transformed with Jim Marous ·

2025/10/14

What if your business banking clients could ask a question, in plain English, and get an instant, intelligent answer? No spreadsheets. No manual reports. Just the client, their data, and AI working together.It sounds like science fiction, but it's happening right now. Grasshopper Bank has become the first U.S. bank to enable customers to connect their business banking data directly to Anthropic's Claude AI assistant, and the implications are staggering. We're joined on the Banking Transformed

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46:49

Is Your Back Office Ready for the Future?

Banking Transformed with Jim Marous ·

2025/10/07

The future of banking isn't coming – it's already here. And yet, a staggering 46% of retail financial institutions admit they're either early in their digital transformation journey or still in planning stages.At the heart of this inertia lies a familiar bottleneck: legacy core systems. While over 90% of banks surveyed this year say digital transformation is either a “critical” or “high” priority, less than 10% believe their current core can fully support their goals. In this episode of Banking

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41:23

Agentic AI Meets Open Banking: The Future of Money

Banking Transformed with Jim Marous ·

2025/09/30

AI is rewriting how value is created and moved, digital assets are making finance programmable, and open banking is turning data into a competitive weapon.To become resilient, one must understand the collision between cutting-edge technology and centuries-old financial systems. How is open banking democratizing financial data? Why are some regions outpacing others in fintech innovation, while others lag behind? And what happens when AI agents start managing our money? I'm excited to welcome Ronit

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40:57

AI, Apps, and Advice: What’s Next for Banking

Banking Transformed with Jim Marous ·

2025/09/23

As we passed the midway point of 2025, we're witnessing a fascinating convergence: social media has become the new town square for financial decisions, mobile apps are overtaking traditional banking channels, and after years of digital self-service, Americans are seeking human financial advice at levels not seen since the 2008 crisis. Meanwhile, alternative financial options are experiencing an unexpected renaissance, and artificial intelligence stands at a critical inflection point between promise

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