Banking Transformed with Jim Marous
Episodes
The Best Banking Innovation Doesn't Need a Huge Budget
24 Jun 2026
Contributed by Lukas
The best banking innovation isn't about budget. It's about the distance to the customer.Jim Marous unpacks the 16th Edition Innovation in Retail Banki...
Arming Front-Line Bankers with AI Tools That Win Clients
23 Jun 2026
Contributed by Lukas
The relationship managers who resisted AI the hardest became its biggest advocates the first time it made them a hero in front of a client.Recorded li...
Why Banks Miss Human Customer Moments
20 Jun 2026
Contributed by Lukas
Most banks know far more about their customers than the customer ever feels. In this Banking Insight Video, I look at why relationship banking often f...
How to Earn Attention in an Age of Distraction
17 Jun 2026
Contributed by Lukas
"The banking industry spends billions competing for deposits, loans, and new accounts. But what if the real competition starts much earlier? In thi...
Reaching the Underserved: Strategies to Scale Financial Inclusion
16 Jun 2026
Contributed by Lukas
Traditional financial institutions often view the credit-underserved market as a liability. In this episode of Banking Transformed, Michael Coleman, C...
How Digital Leaders Grow Revenues 5X Faster
15 Jun 2026
Contributed by Lukas
Only 13% of banks and credit unions are operating at the highest level of digital maturity. They are growing revenues at 5X the rate of their less mat...
Unlocking Credit Access for Millions
10 Jun 2026
Contributed by Lukas
Sixty-five million Americans cannot fully participate in the economy that most people take for granted. For many, the issue is not irresponsibility. I...
The Path to Banking's Dual Workforce, with nCino CEO Sean Desmond
09 Jun 2026
Contributed by Lukas
What happens to traditional banking roles when a single employee can execute the responsibilities of ten different jobs? The banking sector is enterin...
How Banks Can Fix the Real Reason Americans Aren't Saving
06 Jun 2026
Contributed by Lukas
Americans are saving less than they have in years, and the banking industry is partly to blame.Jim Marous argues that the savings crisis is partly a d...
Hidden Driver Behind Banking's Next Consolidation
03 Jun 2026
Contributed by Lukas
The U.S. banking industry is about to enter the largest consolidation cycle in a generation, and the institutions most at risk may not be the ones wit...
Why Capital One, Klarna & Coinbase Win AI Search
02 Jun 2026
Contributed by Lukas
Why do the same financial brands keep showing up inside ChatGPT recommendations while many traditional institutions barely appear at all?New research ...
How Chime Beat All Banks at Account Growth
30 May 2026
Contributed by Lukas
Chime now opens more new checking accounts than Chase, Wells Fargo, or Bank of America. And the company’s fastest-growing customer segment is no lon...
What is GEO and Why Does it Matter
27 May 2026
Contributed by Lukas
Your bank may already be invisible.Not on Google. Invisible inside ChatGPT, Claude, and Gemini, where your customers now ask which bank to choose, whi...
Leading Through Banking's Next Normal
26 May 2026
Contributed by Lukas
Banking transformation is rarely limited by technology. More often, it breaks down when teams lose trust, momentum, or clarity during change. In th...
Jack Henry's 2026 Benchmark: Why Banks Lose Deposits to Fintechs
21 May 2026
Contributed by Lukas
Most banks and credit unions say growth is the top priority heading into 2026. At the same time, fintechs are winning the relationships that drive ...
Four AI Moves Every Bank Marketer Needs Now
20 May 2026
Contributed by Lukas
If you earned your marketing degree more than five years ago, you are already playing catch-up. Most banks are mailing in their response to AI. I b...
Building the Agentic Bank With Citi’s Driss Temsamani
19 May 2026
Contributed by Lukas
Most banks still treat AI as a faster way to do the same work. Citibank believes the entire operating model of banking is about to change. Recorded...
Why Banks With More Data Still Don't Understand the Customer
16 May 2026
Contributed by Lukas
Banks are collecting more customer data than ever before. Yet most institutions still do not understand the customer any better. In this Banking In...
What 3.2 Billion AI Conversations Taught Bank of America
14 May 2026
Contributed by Lukas
Most banks still treat AI as a chatbot or efficiency tool. Bank of America built something much bigger. In this live conversation from the Financia...
What Bank Executives Miss About the Fintech Threat
12 May 2026
Contributed by Lukas
Is your bank being unbundled without realizing it? Most banking leaders are still watching the obvious disruptors. But the bigger threat may be hap...
The Silent Attrition Crisis in Banking: How to Detect It Early
09 May 2026
Contributed by Lukas
Most banks think they have an attrition problem under control because the closure numbers still look healthy. But customers are not leaving the way...
Triple New Account Growth in 90 Days
06 May 2026
Contributed by Lukas
Most banks are losing customers after they have already decided to open an account, and it has nothing to do with pricing or competition. The breakdow...
Competing With Giants: How Community Banks Win
05 May 2026
Contributed by Lukas
Ryan Bailey spent 20 years at Bank of America, JPMorgan Chase, TD Bank, Fifth Third, and USAA. Then he took over Cambridge Savings Bank, a 190-year-ol...
Atomic Habits for Banking: How Small Changes Separate Winners
02 May 2026
Contributed by Lukas
James Clear's Atomic Habits is the blueprint for professional change, but most banks are applying it incorrectly. In this episode of the Banking Insig...
Banking's Reality Check: The Real Threat Is You
30 Apr 2026
Contributed by Lukas
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 c...
Primitive & MX are Building an AI Agent Operating System
28 Apr 2026
Contributed by Lukas
Banks have spent three years experimenting with generative AI. Most of those pilots are quietly dying. Not because the technology failed, but because ...
Why External Noise Is Slowing Banking Decisions
26 Apr 2026
Contributed by Lukas
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 e...
Agentic AI: The End of Reactive Banking
22 Apr 2026
Contributed by Lukas
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 ...
Winning The Attention War That's Reshaping Banking
21 Apr 2026
Contributed by Lukas
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, ho...
6 Digital Strategies Banking Must Learn from the Oura Ring
15 Apr 2026
Contributed by Lukas
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-i...
How Branches Can Win Attention and Generate Growth
14 Apr 2026
Contributed by Lukas
In this episode of Banking Transformed, Jim Marous is joined by Amy Hysell, President and CEO of Arizona Financial Credit Union, live from the organiz...
Bank Branches Must Earn Their Place
07 Apr 2026
Contributed by Lukas
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...
From Cash and Cards to Invisible Banking
31 Mar 2026
Contributed by Lukas
The convergence of artificial intelligence, real-time payment rails, open banking, and embedded finance is creating both unprecedented opportunities f...
10 Ways to Become a Customer Obsessed Bank
24 Mar 2026
Contributed by Lukas
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%...
AI is the Operating System of Modern Lending
17 Mar 2026
Contributed by Lukas
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 w...
Beyond Customer Experience with Joe Pine
10 Mar 2026
Contributed by Lukas
For the past decade, financial institutions have poured billions into improving customer experience. Digital journeys. Frictionless onboarding. Person...
Why Credit Union Transformation Is Stalling and How to Fix It
05 Mar 2026
Contributed by Lukas
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...
Banks Must Move Beyond Product Parity
03 Mar 2026
Contributed by Lukas
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...
Why Banks Can't Afford to Wait on Voice AI
24 Feb 2026
Contributed by Lukas
For decades, banks have forced customers into frustrating phone trees and rigid IVR systems—all in the name of efficiency. But what if automation co...
Credit One Bank Serves Those Who Others Won’t
18 Feb 2026
Contributed by Lukas
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 ...
What Liquid Death Can Teach Banks
17 Feb 2026
Contributed by Lukas
Liquid Death reached a $1.4 billion valuation selling water in cans. Meanwhile, banks spent $500 billion on transformation last year and still struggl...
2026 Banking Trends Reveal a Dangerous Execution Gap
16 Feb 2026
Contributed by Lukas
Retail banking leaders have never had more clarity about what needs to change, yet execution continues to lag. In this video, discussing the most crit...
Why Incremental Banking Improvements No Longer Work
10 Feb 2026
Contributed by Lukas
With over $2 trillion in deposits already lost to digital banks and fintechs, incremental banking improvements are no longer a strategy; they’re a l...
Your Gen Z Strategy Is Broken
05 Feb 2026
Contributed by Lukas
Your Gen Z strategy is putting your organization’s growth at risk. New research from Primax, shows that only 12 percent of Gen Z consider a communi...
$200 Trillion at Risk: The New Threat to Banking
03 Feb 2026
Contributed by Lukas
Banking executives know their industry is being disrupted. What they don't know is how much of their balance sheet they've already lost control of. A...
Back-Office Modernization: The New Growth Strategy for Banks
29 Jan 2026
Contributed by Lukas
Banks have spent billions building digital customer experiences. But most are doing it on top of back-office infrastructure built for a different era....
How Stablecoins Will Reshape Financial Services
27 Jan 2026
Contributed by Lukas
From Walmart and Amazon to banks and credit unions, stablecoins are accelerating a banking reset that is already reshaping how payments move. In this...
Why Data-Driven Marketing Fails in Banking
22 Jan 2026
Contributed by Lukas
Most financial institutions say they are data-driven. Far fewer can prove it in customer acquisition and relationship growth success. At a time when m...
the $100 Billion Hidden Fraud Crisis
20 Jan 2026
Contributed by Lukas
Thirty to fifty percent of your fraud losses don't come from hackers or organized crime rings. They come from your own customers disputing legitimate ...
How AI, CX, and Trust Must Coexist
15 Jan 2026
Contributed by Lukas
Banking is no longer competing with the branch down the street. It is competing with every digital experience your customers have before they ever ope...
How Banking Leaders Can Avoid Becoming Obsolete
13 Jan 2026
Contributed by Lukas
Nearly half of the skills banking leaders rely on today will be obsolete within five years. In this episode of Banking Transformed, Jim Marous explor...
High-Tech, Low-Touch Failure: How Banks Can Fix the Experience Gap
06 Jan 2026
Contributed by Lukas
Banks love to claim they are high-tech and high-touch. The truth is, most are neither, and the gap between what institutions promise and what customer...
Why BofA Is Betting on Branches
01 Jan 2026
Contributed by Lukas
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,...
Core Modernization, AI, and the Future of Banking
30 Dec 2025
Contributed by Lukas
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 iPh...
The Banking Growth Opportunity Banks Keep Missing
29 Dec 2025
Contributed by Lukas
Nearly half of U.S. households are living paycheck to paycheck, yet millions of financially capable people are denied access to affordable credit. Tha...
Why Today’s Banking System is Failing Consumers
23 Dec 2025
Contributed by Lukas
The biggest threat to consumer financial health isn’t inflation, stagnant wages, or market volatility, but the financial system itself. Not because ...
AI Is Breaking Banking’s Scale Advantage
16 Dec 2025
Contributed by Lukas
The biggest competitive advantage in banking right now isn’t scale … it’s speed. According to PwC, GenAI is reshaping the balance of power acros...
Banks Are Wasting 50% of Their Marketing Budget
11 Dec 2025
Contributed by Lukas
Consumers don’t want more banking messages — they want relevance. And right now, most banks are wildly out of sync with what their communities act...
Why Do All Banks Look and Feel the Same?
09 Dec 2025
Contributed by Lukas
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 ...
Future of Banking Through the Eyes of a Shark
02 Dec 2025
Contributed by Lukas
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 ...
SpaceX Lessons to Shorten Innovation Cycles
18 Nov 2025
Contributed by Lukas
The secret to breakthrough innovation isn't having more resources. It's all about learning faster. SpaceX went from near-bankruptcy to reshaping a $40...
Digital Banking Transformation Myth
13 Nov 2025
Contributed by Lukas
In this episode of Banking Transformed, Jim Marous exposes why digital transformation in banking is still more myth than reality. Despite massive inve...
The New Playbook for Fraud & Cyber Defense
07 Nov 2025
Contributed by Lukas
Fraud is no longer just a downstream cleanup issue. It’s a direct result of cyber incidents that outpace our organizational structures. Siloed teams...
How Fintech NerdCon is Reimagining Banking Events
04 Nov 2025
Contributed by Lukas
Today, I’m excited to welcome Colton Pond and Simon Taylor, the visionary co-founders of Fintech NerdCon to the Banking Transformed podcast. Fintech...
New Path to Corporate Banking Loyalty
28 Oct 2025
Contributed by Lukas
Today, we're exploring one of banking's most vital yet often overlooked functions: corporate banking account analysis. Though it might not seem glamor...
The Identity-Driven Marketing Playbook
23 Oct 2025
Contributed by Lukas
Financial institutions are overwhelmed with customer data but lack meaningful insights. Banks and credit unions find it difficult to accurately identi...
Beyond the Myths: What’s Happening with Instant Payments?
22 Oct 2025
Contributed by Lukas
Instant payments have officially entered the mainstream — but adoption is still uneven, and questions remain. How is FedNow performing more than a y...
Customer-First, Modular Banking Built for Speed
21 Oct 2025
Contributed by Lukas
Against the backdrop of the iconic Bonneville Salt Flats, where speed records are broken and boundaries are pushed, Colton Pond joined me to interview...
Inside Grasshopper Bank’s Claude AI Integration
14 Oct 2025
Contributed by Lukas
What if your business banking clients could ask a question, in plain English, and get an instant, intelligent answer? No spreadsheets. No manual repor...
Is Your Back Office Ready for the Future?
07 Oct 2025
Contributed by Lukas
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 the...
Agentic AI Meets Open Banking: The Future of Money
30 Sep 2025
Contributed by Lukas
AI is rewriting how value is created and moved, digital assets are making finance programmable, and open banking is turning data into a competitive we...
AI, Apps, and Advice: What’s Next for Banking
23 Sep 2025
Contributed by Lukas
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...
The Hidden Driver of Business Banking Loyalty
18 Sep 2025
Contributed by Lukas
While most financial institutions see payment processing as just a commodity service, the smartest ones are realizing it's actually their secret weapo...
From Products to Platforms: The Future of Banking
17 Sep 2025
Contributed by Lukas
In today’s rapidly changing financial landscape, traditional banking is no longer enough. Customers expect more than just accounts, loans, and trans...
Your Bank's Data Strategy Could Make or Break AI Success
16 Sep 2025
Contributed by Lukas
In banking, every second matters. Fraud happens in milliseconds. Customers demand instant answers. And AI can only deliver value if it’s powered by ...
AI in Banking: From Hype to Measurable Outcomes
09 Sep 2025
Contributed by Lukas
Most banks, including potentially yours, are falling into a dangerous trap. They're announcing AI initiatives, holding innovation showcases, and talki...
Future Strategies for Business Banking Growth
04 Sep 2025
Contributed by Lukas
In this episode of Banking Transformed, John Stuckey from FIS shares insights on the evolving landscape of digital business banking and the strategies...
Winning the Digital Banking Race Across Generations
02 Sep 2025
Contributed by Lukas
Silent attrition may be the biggest threat most banks aren’t talking about — and the stakes are rising fast. The 2025 Generational Trends in Digi...
Unlocking Value Through Data and AI
28 Aug 2025
Contributed by Lukas
As I visit different cities and countries, I find that every financial institution is racing to claim they are “data-driven,” yet, as I dig deeper...
How to Turn Customer Interactions Into ROI
26 Aug 2025
Contributed by Lukas
Every customer conversation – whether in a branch, online, or through a call center – holds the potential to either deepen loyalty or increase att...
Build a Bank Brand Worth Fighting For
19 Aug 2025
Contributed by Lukas
Fintech disruptors like Chime, Revolut, Venmo and the Cash App have shaken up the banking world by positioning themselves against traditional banking'...
When 93% Mobile Adoption Drives Innovation
12 Aug 2025
Contributed by Lukas
Thailand's banking sector is experiencing a remarkable evolution, driven by regulatory innovation, mobile-first consumer behavior, and some of the wor...
The Untold Journey of a Female Tech CEO
05 Aug 2025
Contributed by Lukas
For tech firms serving banks, survival isn’t guaranteed. It takes more than a great product or engineering talent to stay ahead. It requires relentl...
Hidden Costs of Wrong Vendor Selection
31 Jul 2025
Contributed by Lukas
Every week, we hear another story: A major bank's mobile app crashes during peak hours with no vendor support in sight. A credit union's core system u...
From Cash and Cards to Invisible Banking
29 Jul 2025
Contributed by Lukas
The convergence of artificial intelligence, real-time payment rails, open banking, and embedded finance is creating both unprecedented opportunities f...
Rebuilding Banking Loyalty for the Digital Age
24 Jul 2025
Contributed by Lukas
In an age where customers can switch banks with just a few taps on their smartphones, loyalty has shifted from being a nice-to-have marketing tactic t...
Your Customer Onboarding is Broken
22 Jul 2025
Contributed by Lukas
Despite massive investments in digital transformation, most banks and credit unions are still struggling to deliver seamless and intuitive account-ope...
How to Redesign Banking for the AI Age
15 Jul 2025
Contributed by Lukas
How do you transform banks that have been built over centuries for a world where artificial intelligence operates 10 times faster than the digital rev...
Driving Loyalty and Engagement with Insurance Products
10 Jul 2025
Contributed by Lukas
Offering diverse insurance products isn't just about additional revenue streams—it's about building unbreakable customer relationships, especially w...
Move from Mass Marketing to Lifestyle Modeling
08 Jul 2025
Contributed by Lukas
The most critical challenge facing most retail financial institutions is how to accelerate organic growth and customer acquisition in an increasingly ...
The Card Payment Platform Playbook for Community Banking
01 Jul 2025
Contributed by Lukas
Community financial institutions are at a crossroads—they must deliver cutting-edge card payment experiences that rival fintech disruptors and mega-...
Turning Insights into a Competitive Advantage
24 Jun 2025
Contributed by Lukas
Every financial institution today is sitting on a goldmine of customer data, yet most struggle to turn those insights into a real competitive advantag...
What Gen Z Really Wants from Their Bank
17 Jun 2025
Contributed by Lukas
While established institutions offer stability and financial strength, they must overcome perceptions of being stodgy, complex and disconnected from t...
AI-Powered Growth Strategies for Modern Banking
11 Jun 2025
Contributed by Lukas
Despite having established customer bases and trusted brands, many financial institutions struggle to keep pace with the rapid technological evolution...
How TD Bank Creates Unexpectedly Human Experiences
10 Jun 2025
Contributed by Lukas
In an era where financial institutions race to digitize, TD has taken a distinctive approach by ensuring technology serves a deeper purpose: creating ...
Colin Walsh Shares the Status of Varo's Trailblazing Journey
03 Jun 2025
Contributed by Lukas
As part of the Executive Leadership Series, sponsored by Naehas and recorded live at the Financial Brand Forum, i was joined by Colin Walsh, the found...
How KeyBank Competes in the Age of Giants and Disruptors
27 May 2025
Contributed by Lukas
Regional and community financial institutions face unprecedented challenges from both banking giants and nimble fintech startups. But size isn't the d...
Evolution of Product Innovation in the AI Era
22 May 2025
Contributed by Lukas
Product innovation in banking faces significant challenges, including legacy systems, regulatory constraints, risk aversion, and the need to balance d...
Unlocking Growth Mode Series #3 How Banks Are Failing Their Most Valuable Clients
21 May 2025
Contributed by Lukas
While consumer digital banking has seen tremendous innovation, commercial and wealth management sectors often lag behind, creating frustration for som...
An Inside Look at Zions Bank's Core Systems Modernization
20 May 2025
Contributed by Lukas
In an industry where legacy infrastructure often dates back decades, core conversions represent immense challenges and transformative opportunities. A...