Banking Transformed with Jim Marous
Are you prepared to embrace change, take risks and disrupt yourself in response to the digital disruption in banking? If not, this podcast is for you. Hosted by top 5 banking and fintech influencer, Jim Marous, Banking Transformed highlights the leadership and cultural challenges facing the banking industry. Featuring interviews with some of the top minds in business, this podcast explores how financial institutions can prepare for the future of banking.
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Jack Henry's 2026 Benchmark: Why Banks Lose Deposits to Fintechs
<p>Most banks and credit unions say growth is the top priority heading into 2026.</p> <p><br></p> <p>At the same time, fintechs are winning the relationships that drive future deposits, payments, and engagement.</p> <p><br></p> <p>In this episode, Lee Wetherington from Jack Henry joins me to break down the findings from their 2026 Strategic Benchmark Study and explain why many financial institutions still struggle to act on signals already sitting in their own data.</p> <p><br></p> <p>We discuss silent attrition, payment flow analytics, Gen Z deposit growth, AI investment priorities, and why payments...
Four AI Moves Every Bank Marketer Needs Now
<p>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.</p> <p><br></p> <p>I break down the four AI moves the best banking marketers are running now: targeting that finds micro-cohorts of one, personalization built around the customer instead of the account, predictive analytics that tie marketing to revenue, and whether AI search tools even mention your bank. Each move draws on Banking Transformed interviews with Raja Rajamannar of Mastercard, Andrea Brimmer of Ally, and Olly Downs of Curinos.</p> <p><br><...
Building the Agentic Bank With Citi’s Driss Temsamani
<p>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.</p> <p><br></p> <p>Recorded live at the Financial Brand Forum, Driss Temsamani, Head of Digital at Citi and author of The Agentic Bank, explains why the next phase of AI is not about chatbots or isolated use cases. It is about rebuilding how banks deploy software, organize teams, serve customers, manage operations, and create decisions at scale.</p> <p><br></p> <p>We discuss why software development costs are collapsing, why...
Why Banks With More Data Still Don't Understand the Customer
<p>Banks are collecting more customer data than ever before. Yet most institutions still do not understand the customer any better.</p> <p><br></p> <p>In this Banking Insights episode, I explain why that gap is widening, what Bank of America has built with Erica over 3.2 billion conversations, and why the real advantage in banking is shifting from collecting information to learning from it in real time. </p> <p><br></p> <p>Drawing from my conversation with Jorge Camargo, Head of Digital Platforms at Bank of America, I explore why most personalization strategies still fail, why transaction histories are...
What 3.2 Billion AI Conversations Taught Bank of America
<p>Most banks still treat AI as a chatbot or efficiency tool. Bank of America built something much bigger.</p> <p><br></p> <p>In this live conversation from the Financial Brand Forum, Jorge Camargo, Head of Digital Platforms at Bank of America, explains how Erica evolved from a simple virtual assistant into infrastructure supporting 65 million clients across consumer banking, wealth management, and treasury services. Today, Erica is becoming the foundation for how Bank of America approaches agentic banking.</p> <p><br></p> <p>We discuss what 3.2 billion customer conversations revealed about consumer behavior, why proactive engagement matters more than...
What Bank Executives Miss About the Fintech Threat
<p>Is your bank being unbundled without realizing it?</p> <p><br></p> <p>Most banking leaders are still watching the obvious disruptors. But the bigger threat may be happening behind the scenes, as software platforms, embedded finance, and agentic AI begin to reshape how financial services are delivered and who owns the customer relationship.</p> <p><br></p> <p>In this episode, Rex Salisbury, founder of Cambrian, joins me to discuss what these shifts mean for traditional banking, why legacy moats are weakening, how seriously bankers should take Nubank's long-term U.S. potential, and what leaders need to do...
The Silent Attrition Crisis in Banking: How to Detect It Early
<p>Most banks think they have an attrition problem under control because the closure numbers still look healthy.</p> <p><br></p> <p>But customers are not leaving the way they used to.</p> <p><br></p> <p>They are opening accounts at Chime, SoFi, Robinhood, Cash App, and Acorns while keeping their old bank relationship open. The direct deposit stays, and the account stays active, and even the dashboard says everything is fine.</p> <p><br></p> <p>Meanwhile, more spending, more engagement, and more deposits quietly move somewhere else.</p> <p><br></p> <p>In this episode, I...
Triple New Account Growth in 90 Days
<p>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 breakdown occurs during the account-opening process itself.</p> <p><br></p> <p>If you want to see it clearly, try it on your own mobile app. Start an application and time how long it takes to complete. In many cases, the experience is slow, repetitive, and built around steps that were never designed for a phone.</p> <p><br></p> <p>In this episode, I walk through what changes when that process is simplified...
Competing With Giants: How Community Banks Win
<p>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-old, $7 billion mutual community bank in Massachusetts.</p> <p><br></p> <p>In this Executive Leadership Series episode of Banking Transformed, recorded live at the Financial Brand Forum, Jim Marous and Ryan get into how community banks actually win against the giants. They cover the strategy behind Ivy Bank, Cambridge Savings’ national digital deposit brand, and why Ryan believes half of the smaller banks in the country won’t be here in 10 years.</p> <p><br><...
Atomic Habits for Banking: How Small Changes Separate Winners
<p>James Clear's Atomic Habits is the blueprint for professional change, but most banks are applying it incorrectly. In this episode of the Banking Insights series, I unpack the 1% daily compounding math that dictates why some banks quietly lose competitive ground while others compound forward.</p> <p><br></p> <p>I share my personal journey of losing 80 pounds and rebuilding this video series using the same system. Then I introduce the compounding gap framework, the invisible force that explains why so many strategic plans never become customer behavior.</p> <p><br></p> <p>If your institution feels stuck, this episode...
