Podlipodcast player Webplayer

ABA Banking Journal Podcast

ABA Banking Journal Podcast

How consumer deposits drive full relationship banking

ABA Banking Journal Podcast · May 15, 2026 · 14:59

0:0014:59

Listen in the Podli app 🎧

Follow your favourite podcasts, listen offline and in the car with CarPlay and Android Auto, and always pick up where you left off. Free to try.

In an environment with higher-yielding options, how can banks compete for effectively for deposits? On the latest episode of the ABA Banking Journal Podcast — presented by Nexcess — Marc Womack, who leads the U.S. consumer deposits franchise at TD Bank, discusses his approach to maximizing data, customizing deposit offerings, developing valuable product bundles and using both physical and digital touchpoints to meet consumer needs.

<span data-descript-pasteboard= "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

Episodes: ABA Banking Journal Podcast

PodliGet the free Podli app
↓ App