Banking Transformed with Jim Marous
Episodes
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...
Aligning Technology and Strategy for Banking Success
15 May 2025
Contributed by Lukas
This episode of the Banking Transformed podcast, as part of the Experience Factor series, sponsored by Q2, tackles the persistent gap between recogniz...
How U.S. Bank is Building a Resilient Digital Bank
13 May 2025
Contributed by Lukas
As financial institutions navigate an increasingly complex digital landscape, they face the dual challenge of driving innovation while maintaining the...
Unlocking Growth Mode Series #2 Bridging Digital Banking Implementation Gaps
07 May 2025
Contributed by Lukas
In the financial services industry, we often see a critical gap between technological potential and practical implementation. Financial institutions m...
How the CBA Is Navigating Washington's Shifting Political Landscape
06 May 2025
Contributed by Lukas
With significant shifts in Washington's political dynamics and new regulatory challenges emerging across the banking sector, our discussion today will...
Banking Under Siege: Building Resilience Against Rising Fraud
01 May 2025
Contributed by Lukas
Since 2020, financial institutions have faced a perfect storm – rising funding costs, increased delinquencies, and now, a dramatic surge in sophisti...
How Ally Bank is Using AI to Reshape Financial Services
29 Apr 2025
Contributed by Lukas
In an industry where customer trust is paramount, financial institutions like Ally are navigating the delicate balance between rapid innovation and ro...
Unlocking Growth Mode Series #1 Unlocking Banking's Growth Mode
23 Apr 2025
Contributed by Lukas
The banking industry faces unprecedented pressure to shift from reactive service models to proactive engagement strategies. However, many institutions...
How Jenius Bank is Revolutionizing Banking with Personalized Insights
22 Apr 2025
Contributed by Lukas
In less than two years, Jenius Bank has surpassed $2 billion in deposits and loans, and recently launched a next-generation mobile and online banking ...
From Data Overload to Strategic Insights
17 Apr 2025
Contributed by Lukas
Despite having accumulated vast amounts of customer data for decades, many financial institutions struggle to effectively harness this information for...
How Top Banks Are Turning Customer Experience into Sustainable Growth
15 Apr 2025
Contributed by Lukas
In a world saturated with digital noise, where customer loyalty is increasingly rare, how can traditional banks not just survive, but thrive? I’m j...
Stop Marketing Like It’s 1999
08 Apr 2025
Contributed by Lukas
In an evolving banking ecosystem, CMOs must approach AI as a transformative force while avoiding the pitfalls of short-term thinking. To drive differe...
Beyond the Hype: AI Applications Transforming Banking
03 Apr 2025
Contributed by Lukas
According to Avanade's latest AI Value Report, 59% of these institutions have already embarked on AI transformation journeys, with a third claiming co...
ProSight Doubles Down on Helping the Banking Industry Thrive
01 Apr 2025
Contributed by Lukas
As financial institutions navigate rapid technological change, evolving customer expectations, and increasingly complex regulatory environments, indus...
Revolutionizing Small Business Banking in 2025
25 Mar 2025
Contributed by Lukas
Small businesses are facing unprecedented challenges alongside remarkable opportunities as they respond to the digitalization of engagement, an uncert...
How Experience-Driven Design Is Revolutionizing Physical Engagement
19 Mar 2025
Contributed by Lukas
As financial institutions navigate the challenges of digital transformation while maintaining relevant physical spaces, organizations must focus on re...
Building Engagement at Speed and Scale
04 Mar 2025
Contributed by Lukas
Financial institutions face unprecedented challenges in product innovation and customer communication. From managing complex compliance requirements t...
Unlocking Patterns of Success in Digital Transformation
25 Feb 2025
Contributed by Lukas
In today’s rapidly evolving world of fintech and digital transformation, success is often painted as a glamorous journey of resilience and grit. But...
2025 Banking Forecast: Why Technology Alone Won't Drive Growth
19 Feb 2025
Contributed by Lukas
The 2025 Retail Banking Trends and Priorities Report reveals an industry in transition. While 51% of institutions are actively implementing digital tr...
Breaking Down Barriers to Deploy GenAI Solutions Faster
12 Feb 2025
Contributed by Lukas
While banks have successfully implemented GenAI for internal processes and back-office operations, they struggle to achieve meaningful ROI on customer...
Transforming Banking Data into Customer Value
11 Feb 2025
Contributed by Lukas
Several key data trends are transforming the competitive landscape of banking. First, the emergence of Agentic AI is prompting institutions to reconsi...
Alternative to Core Replacement That Redefines Digital Finance
05 Feb 2025
Contributed by Lukas
Legacy core systems, often decades old, restrict innovation and limit the ability to offer personalized digital products. Traditional "rip and replace...
Maximizing Value from Technology Investments
04 Feb 2025
Contributed by Lukas
Three-quarters of banks report that legacy infrastructure poses significant barriers to implementing new digital solutions. This creates a complex cha...
Unlocking Value Through Data-Enabled Core Systems
28 Jan 2025
Contributed by Lukas
Financial institutions of all sizes face mounting pressure to compete with tech giants, global banks and nimble fintechs while meeting rising customer...
Digital Banking Evolution: Lessons from the Innovation Frontlines
22 Jan 2025
Contributed by Lukas
Banks and credit unions must innovate faster and deliver flexible, scalable, and differentiated offerings to keep up with account holders' changing ex...
The Great Banking Reset: Merging High-Tech with High-Touch
21 Jan 2025
Contributed by Lukas
The banking industry stands at a pivotal crossroads as we approach 2030. While the past quarter-century was defined by digital transformation, which b...
How to Create a Website Presence That Generates New Business
14 Jan 2025
Contributed by Lukas
A strong web presence isn't just an advantage—it's essential for survival and growth. In today's competitive market, a powerful digital footprint ca...
Creating Dynamic Personal Banking Experiences at Scale
08 Jan 2025
Contributed by Lukas
According to recent Q2 research, 74% of people across generations want more personal banking experiences, and 70% trust their financial institutions ...
How to Close the Digital Maturity Gap in Business Banking
07 Jan 2025
Contributed by Lukas
The recently released Business Banking Digital Maturity Report provides unprecedented insights into how financial institutions transform their busin...
Crafting Unique Business Banking Experiences
24 Dec 2024
Contributed by Lukas
Mid-sized financial institutions face unprecedented challenges. They must compete with larger banks that have massive technology budgets and nimble fi...
Payments and Embedded Finance Evolution: The Citi Experience
17 Dec 2024
Contributed by Lukas
Embedded financial products and flexible payment solutions are reshaping how consumers interact with banking services. As commerce increasingly shifts...
Desire for Data-Driven Personalization Unites Demographic Segments
11 Dec 2024
Contributed by Lukas
Today on the Banking Transformed podcast, we’re joined by Jaime Dominguez, Principal Product Marketer at Q2, to discuss their groundbreaking report...
Banking 2025: Digital Revolution Meets Economic Reality
10 Dec 2024
Contributed by Lukas
Traditional financial institutions are rapidly evolving in response to technological innovation, changing consumer expectations, and economic uncertai...
Building an Award-Winning Mobile Banking Experience
05 Dec 2024
Contributed by Lukas
Digital banking success hinges on more than lists of features and technological capabilities. First principles thinking in banking design starts with ...
Banking 2025: Industry Experts Map the Path Forward
03 Dec 2024
Contributed by Lukas
Traditional financial institutions face mounting pressure from fintech disruptors, big tech companies, and evolving regulatory frameworks. The rise of...