Jim Marous

speaker

5,037 appearances 35 recordings 1 series first heard May 2026 last heard 12 Aug

Jim Marous’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 35 in all, peaking in Jul 2026 with 14.

newest first · ▶ plays the moment

A useful invitation earns time. voice-verified

Using that time to make an existing relationship more meaningful for a customer or member is the branch's new job. voice-verified

Define the job first, then building relationships. voice-verified

remodeling or closing becomes a different question. voice-verified

As most of you know, I started my career as a teller when paychecks still arrived in envelopes and updated balances were done by hand. voice-verified

The branch didn't initially lose its traffic to the phone. voice-verified

It lost it to direct deposit, voice-verified

then ATMs, telephone banking, online banking, and mobile banking, each one eliminating one routine reason to visit after another. voice-verified

Every one of these changes was correct for the customer. voice-verified

The mistake was leaving the branch to wait in traffic, which those same investments were meant to prevent. voice-verified

This brings me to the branch business cases I see every day. voice-verified

The calculations almost always start the same way. voice-verified

New households, new deposits, market share, payback by relocation. voice-verified

New customers and deposits are valid financial results. voice-verified

However, they're not sufficient enough by themselves as a goal for the branch. voice-verified

In a digital first world, the customer that a branch can help you grow might already be yours. voice-verified

They may carry a credit card. voice-verified

They may operate a business you lend to and keep operating accounts elsewhere. voice-verified

They could have opened an account on their phone last spring. voice-verified

and never met a single employee in person. voice-verified

Showing 461–480 of 5,037 · page 24 of 252