Banking Transformed with Jim Marous

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...

The Community Bank Advantage

26 Nov 2024

Contributed by Lukas

Competing as a $1 billion financial institution puts pressure on operational efficiency and technology investment. However, modest size also presents ...

Banking's Next Chapter: 5th Anniversary Special (Part 2)

19 Nov 2024

Contributed by Lukas

Welcome to the second part of our episode, where we turn the tables in celebration of our 5th anniversary at Banking Transformed, I'm honored to be i...

Banking's Next Chapter: 5th Anniversary Special (Part One)

12 Nov 2024

Contributed by Lukas

Today, we're turning the tables. In celebration of our 5th anniversary at Banking Transformed, I'm honored to be interviewed my senior producer, Lea...

Bridging the Generative AI Readiness Gap

31 Oct 2024

Contributed by Lukas

AI and generative AI are set to revolutionize the financial services industry. But how are banks leveraging these powerful tools, and what challenges ...

NVIDIA Executive Reveals How AI is Reshaping Financial Services

28 Oct 2024

Contributed by Lukas

Against a landscape where 91% of financial institutions are either assessing or deploying AI in production, Malcolm deMayo, global vice president of t...

MindShift: Unlocking Innovation and Humanity in the Age of AI

22 Oct 2024

Contributed by Lukas

In this episode of Banking Transformed, we're joined by Brian Solis, Head of Global Innovation at ServiceNow and author of the newly released book 'M...

Balancing Speed and Safety with Instant Loan Decisioning

16 Oct 2024

Contributed by Lukas

In this episode of Banking Transformed, I sit down with Robert Watts, VP of Consumer Credit at D.L. Evans Bank, a $3 billion community bank serving S...

The Future of Financial Wellness: The Evolution of the Debbie App

08 Oct 2024

Contributed by Lukas

Two years ago, we introduced you to the Debbie app, an innovative rewards platform aimed at improving financial wellness. We're excited to welcome bac...

The Power of a Modern Document Management System

03 Oct 2024

Contributed by Lukas

In an industry where security, efficiency, and client relationships are paramount, having an integrated and democratized document and information mana...

Leveraging Data for Strategic Decisions and CX in Banking

26 Sep 2024

Contributed by Lukas

In this episode of Banking Transformed, we explore the transformative power of data in the financial services industry. Joining us is Jeremiah Lotz, ...

Fast-Tracking Generative AI Transformation in Financial Services

24 Sep 2024

Contributed by Lukas

As financial institutions face growing competition and increasing regulatory pressure, AI could unlock unprecedented efficiency, innovation, and growt...

Winning in an Era of Fragmented Banking Relationships

10 Sep 2024

Contributed by Lukas

In an era of digital transformation reshaping the financial landscape, understanding shifts in consumer behavior is crucial for banks and credit union...

Unlocking Customer Opportunities with a 360-Degree Perspective

05 Sep 2024

Contributed by Lukas

Today we're joined on the Banking Transformed podcast by David Acevedo, president of 360View. David discusses the critical importance of developing ...

How Money20/20 Mirrors Banking's Evolution

03 Sep 2024

Contributed by Lukas

In this episode of Banking Transformed, we sit down with Scarlett Sieber, Chief Strategy & Growth Officer of Money20/20, to explore the remarkable jo...

Balancing Risk and Speed in the New Era of Digital Lending

02 Sep 2024

Contributed by Lukas

In this episode of Banking Transformed, recorded at MeridianLink LIVE in Nashville, I interview Janel Hartin, Senior Loan Administrator at Bangor Sav...

Desire for Data-Driven Personalization Unites Demographic Segments

27 Aug 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...

Unpacking Credit Card Challenges and Opportunities for Growth

22 Aug 2024

Contributed by Lukas

As the credit landscape shifts under the pressures of economic changes, new technologies, and evolving consumer behaviors, financial institutions must...

New Credit Engagement Tool Supports Financial Wellness

20 Aug 2024

Contributed by Lukas

We're excited to have JB Orecchia, CEO of SavvyMoney, joining us again on the Banking Transformed podcast to discuss their groundbreaking new produc...

How Micro-Engagements Generate Sales and Build Loyalty

13 Aug 2024

Contributed by Lukas

Personalized, real-time micro-engagements are more than just a trend – they're reshaping the future of banking. By leveraging technology to create m...

How Generations FCU Has Revolutionized the Speed of Lending

12 Aug 2024

Contributed by Lukas

In this episode of Banking Transformed, recorded at MeridianLink LIVE!, we sit down with Kate Himes, VP of Consumer Lending at Generations FCU, to di...

How Higher Rates are Impacting Consumers & Financial Services

06 Aug 2024

Contributed by Lukas

Today on the Banking Transformed podcast, we're exploring the ripple effects of the recent high interest rate environment on both consumers and finan...

How Alternative Data is Transforming Lending

01 Aug 2024

Contributed by Lukas

As traditional credit scoring methods face increasing scrutiny and limitations, alternative credit data has emerged as a powerful tool for lenders loo...