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 monthsRecordings per month over the last 12 months — 35 in all, peaking in Jul 2026 with 14.
Appearances
Smada explained an intentional process of proactively reaching out to clients to build relationships.
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He also mentioned that when establishing a financial center in a new community, they see a 50% growth in digital sales in that area.
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They stop treating each branch as an independent franchise.
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They evaluate economics across the community because customers don't experience banking one building at a time.
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Chase provides a very clear case study.
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Half of new bank checking account customer relationships in expansion markets originate from existing credit card customers.
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A branch report refers to those as new accounts.
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A relationship report refers to those existing customers becoming more valuable.
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Chase is using physical distribution to help convert single relationship customers into broader banking relationships.
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And those relationships are retained.
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New research from Kernos and Adrenaline shows that accounts open in a branch tend to have higher balances and are 25% more likely to remain open after year one.
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Here's where that gets costly.
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We usually assess each location based on what happens inside it.
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traffic, transactions, products sold by the staff, and of course, cost per square foot.
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The old scorecard can keep the wrong branch open and can close the right one.
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It protects a busy location that adds little relationship value and misses a quieter one that could enhance digital acquisition and deepen relationships across an entire market.
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That's the pragmatic shift I would recommend.
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A branch should be assessed based on market P&L as opposed to lobby P&L.
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Does location boost digital account openings across the market?
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Does it convert card only or digital only customers into more comprehensive relationships?
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Showing 501–520 of 5,037 · page 26 of 252
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