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.

Appearances

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Banking Transformed with Jim Marous · How to Maximize Relationship Depth · 11 Aug 2026 podcast

That's that's less than table stakes. matched

And I think that we forget that, you know, it's not just signing up for direct deposits. matched

It's not just a one-step process. matched

And, you know, as I mentioned, nearly half of accounts go dormant. matched

And what's even worse is less than half of organizations really have a active onboarding process. matched

Where does this go wrong from the financial institution's perspective? matched

You know, it's interesting because we talk about setting up direct deposits. matched

We talk about you you know, you talk about balances and direct deposit and card usage. matched

And the reality is, though, that again, it's it's it's the not too well kept secret. matched

Back when I was in marketing and financial institutions, which was a long time ago. matched

When we had a program that promoted new checking accounts or new credit cards, the reality is we were just trying to get the accounts on the books. matched

Nobody ever looked a year later or six months later to say how many really are accounts and how many are simply like window dressing. matched

And when you start looking at that, you know, we talked about the $400 cost of opening to begin with. matched

When you lose half or when half are matched

simply sitting there with a let's say a hundred dollars in the account. matched

That means that cost of account was really 800. matched

It wasn't 400. matched

And and and and that's giving it credit that it's actually gonna be the primary account. matched

So when you look at the behaviors with SwayStack, what are the key elements that say? matched

This is what we have to do to make them an active, engaged client. matched

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