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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Nov 13, 2026 · 44:40
TD Bank's digital leader on letting customers choose their own path to open an account. This Flashback Friday episode revisits a 2025 interview recorded at the Financial Brand…
Nov 11, 2026 · 9:44
Download the Digital Banking Report, Retail Banking Data and Insight Maturity, sponsored by NGDATA: https://www.digitalbankingreport.com/trends/retail-banking-data-and-insights-ma…
Nov 10, 2026 · 41:47
Citizens Bank says banks stand out by being simple to deal with and human when it matters. Karen Swiatocha leads branch distribution transformation at Citizens Bank. In this…
Nov 9, 2026 · 7:56
A financial institution that assigns a relationship manager to a small business promises that someone will know the business, and satisfaction with those managers fell 35 points…
Nov 6, 2026 · 43:51
Banks and credit unions must stand out by picking one rival to position against, according to author Laura Ries. This Flashback Friday episode features my 2025 conversation with…
Nov 4, 2026 · 10:38
A bank or credit union can make regular saving as easy to start and keep going as Acorns does. Acorns says its customers have invested more than $7.3 billion from spare change…
Nov 3, 2026 · 44:34
Brett King says the primary financial relationship will belong to an AI agent. Brett King, author of Bank 5.0, returns to Banking Transformed to explain why he believes the…
Nov 2, 2026 · 9:01
Get the 2026 State of Financial Marketing report, sponsored by Vericast: https://www.digitalbankingreport.com/trends/2026-state-of-financial-marketing/?IV61 A bank or credit…
Oct 30, 2026 · 44:01
Dr. Lamont Black explains how stablecoins could cost banks and credit unions interchange, data and deposits. This Flashback Friday revisits one of our most popular interviews,…
Oct 29, 2026 · 16:58
A Coinbase-commissioned study by The Block Research found that 7 of the 10 largest U.S. banks have tested stablecoins or tokenized deposits for settlement, and the other 3 have…
Oct 28, 2026 · 9:16
Download the Innovation in Retail Banking report: https://www.digitalbankingreport.com/trends/innovation-in-retail-banking-2025/?IV60 U.S. Bank gets customer improvements from…
Oct 27, 2026 · 40:18
Financial institutions should make it easy to do business with them their first priority. One community bank got account opening to 2 minutes and 13 seconds and increased…
Oct 26, 2026 · 10:53
Download the 2026 Retail Banking Trends and Priorities report from the Digital Banking Report: https://www.digitalbankingreport.com/trends/2026-retail-banking-trends-and-prioritie…
Oct 23, 2026 · 41:35
Victor Alexander explains how a $185 billion bank takes on giants and fintechs by funding fewer priorities and finishing them. Flashback Friday: In this 2025 interview from The…
Oct 21, 2026 · 11:11
Get the 2026 Retail Banking Trends and Priorities report from the Digital Banking Report: https://digitalbankingreport.com/?YouTubeIV58 Banks and credit unions can compete with…
Oct 20, 2026 · 31:18
Download the free Innovation in Retail Banking report, with insights from 170+ banking executives worldwide: https://www.digitalbankingreport.com/dbr/dbr314 Bancolombia built a…
Oct 19, 2026 · 9:07
A bank or credit union that waits for balances to grow before helping a customer start investing may be handing the relationship to Robinhood Banking. Robinhood Banking has…
Oct 16, 2026 · 39:56
Banks can give each customer a VIP on the phone with voice AI, if trust comes first. Bland CEO Isaiah Granet says his AI already handles more than 3 million phone calls a week.…
Oct 14, 2026 · 10:05
Hear the full conversation with Jorge Camargo of Bank of America on Banking Transformed: https://www.youtube.com/watch?v=KibFqG47KzQ Banks and credit unions can let customers see…
Oct 13, 2026 · 42:13
Community banks and credit unions keep pace by putting their own data to work for customers. Many community banks and credit unions already have the technology, data and insights…
Oct 12, 2026 · 9:31
PayPal and Venmo already have brand recognition and a huge customer base. Can they become your customers' primary bank in the future? PayPal's CEO has shared their plan for the…
Oct 9, 2026 · 13:18
Microsoft's financial services data chief forecast in 2023 how banks would use generative AI. Charles Morris now leads agentic enterprise strategy at Truist, and his early calls…
Oct 8, 2026 · 10:48
Download Alkami's 2026 Generational Trends in Digital Banking research: https://www.alkami.com/resources/research/2026-generational-trends-in-digital-banking-report/?YouTubeIV54…
Oct 6, 2026 · 38:24
A $3.2 billion credit union chooses its digital partners from member surveys, and the results show. Chartway Credit Union runs $3.2 billion in assets and serves 265,000 members,…
Oct 5, 2026 · 10:15
Agentic AI: Powering the Self-Driving Bank: https://www.digitalbankingreport.com/trends/agentic-ai-powering-the-self-driving-bank/ A bank or credit union that judges Meta's Muse…
Sep 30, 2026 · 10:45
Bank and credit union leaders are misjudging what frustrates their customers most, and the fix starts with leaders hearing those customers firsthand. In a ServiceNow study of…
Sep 29, 2026 · 36:12
Most banks and credit unions chase new deposits before growing the relationships they already have. Megan Pannier of Fiserv says onboarding has been an industry priority for 25…
Sep 28, 2026 · 10:35
Read the research: https://finhealthnetwork.org/programs/financial-health-pulse Hear the podcast: https://youtu.be/VNylQkBCmBM?t=412 A customer of more than 20 years, rarely late…
Sep 23, 2026 · 8:10
Download the 2026 Retail Banking Trends and Priorities report for free: https://www.digitalbankingreport.com/trends/2026-retail-banking-trends-and-priorities/?YouTubeIV50 This is…
Sep 22, 2026 · 47:48
Lifecycle campaigns beat acquisition by 2 to 6 times. Acquisition still gets the budget. Marquis analyzed thousands of campaigns across more than 100 banks and credit unions and…
Sep 21, 2026 · 10:45
Somebody is going to walk an extra lap around the block tonight because the ring on their watch isn't closed. Nobody is paying them to do it. That is gamification, and it is the…
Sep 16, 2026 · 10:44
The most valuable thing a rewards program does has almost nothing to do with the reward. Bank of America reopened its rewards program this year and has enrolled more than five…
Sep 15, 2026 · 29:25
Bank of America dropped the $20,000 minimum. 5 million clients enrolled. For most of the last decade, a large bank rewards program was something a client earned their way into.…
Sep 14, 2026 · 11:46
2026 State of Financial Marketing report is available for free at https://www.digitalbankingreport.com/trends/2026-state-of-financial-marketing/?YouTube More than half of the…
Sep 9, 2026 · 10:33
Your vendor may own the technology debt. Your institution owns the consequences. Technical debt is usually discussed as a money-center bank problem, so community banks and credit…
Sep 8, 2026 · 46:02
Melissa Stevens has a rule at Fifth Third: your employees are your brand. The chief marketing officer of one of banking's strongest regional brands joins Jim Marous to explain…
Sep 7, 2026 · 10:46
We won the adoption argument. Every hand in the room. And the income statement didn't notice. Four years ago, Jim Marous asked a room of bankers how many had used an AI tool in…
Sep 2, 2026 · 11:11
Most institutions aren't undifferentiated. Their differences are unwitnessed. Cover the logo on the mobile app, the website and the branch sign, and most leadership teams cannot…
Sep 1, 2026 · 59:17
Customer experience expert Jay Baer is stepping away from the keynote stage after 17 years and moving deeper into the world of tequila. He joins Jim Marous for a Banking…
Aug 31, 2026 · 10:47
Your NPS went up again last quarter. It still can't tell you which customers actually sent you somebody. Gallup studied more than 24,000 banking customers. Run the standard…
Aug 26, 2026 · 12:04
There is a $1.7 trillion blind spot sitting inside your bank or credit union right now. The Census Bureau counts 29.8 million businesses in the United States with no employees at…
Aug 25, 2026 · 51:48
Only 18% of banks have integrated AI workflows. Everyone else is automating the past. Most banks and credit unions are using artificial intelligence to make yesterday’s work…
Aug 24, 2026 · 11:47
Your institution is spending real money to bring people to the front door, and most of them never get through it. Cornerstone Advisors found 3.36 digital checking applications…
Aug 19, 2026 · 9:47
Organic Relationship Growth is Easier Than Prospecting and Available Daily Your cheapest growth engine is the customer whose transaction history you're already holding. Every…
Aug 18, 2026 · 50:39
Lay a new core over a broken process, and the process just runs faster. Darius Wise told his staff the credit union was not good at what it did. Red Rocks was coming off two…
Aug 17, 2026 · 9:22
Banks and credit unions rate higher than the fintechs on buy now, pay later. J.D. Power scores bank programs at 704 for customer satisfaction, compared with 603 for fintechs.…
Aug 12, 2026 · 11:14
Deep institutional experience isn't enough for the job ahead. New thinking alone isn't either. Your next CEO has to bring both. CEOs in financial services stay in the seat about…
Aug 11, 2026 · 42:48
A new account costs a bank or credit union over $400 to win, yet more than 40% go inactive within the first year. In this episode of Banking Transformed, Jim Marous talks with…
Aug 10, 2026 · 10:24
Your bank knows the customer. The employee sitting across from that customer usually does not. Banks and credit unions have spent millions learning about the people they serve,…
Aug 5, 2026 · 10:42
Branch networks in the United States are growing again, yet only 9% of consumers name branches as their preferred way to bank. Both facts are true because the branch’s job has…
Aug 4, 2026 · 42:43
Nick Cowell, Principal and US retail banking leader at Deloitte, joins Jim Marous to unpack the firm's new series, 2050: Banking Beyond, and the question at its center: in 25…
Aug 3, 2026 · 9:18
The platform may have been designed to transform the institution, but often, the institution ends up redesigning the platform instead. Two institutions purchase the same digital…
Jul 29, 2026 · 9:37
Nubank can change the economics of deposits that it has never won. The Brazilian digital bank has conditional approval for a U.S. national bank charter and plans to open by 2027,…
Jul 28, 2026 · 40:46
Banks and credit unions have never known more about their customers. So why does so much of banking still feel impersonal? In this episode, David Acevedo, Vice President at…
Jul 27, 2026 · 9:18
We can have all the trust in the world, but still lose the moment. Consumers aren’t asking many of their first financial questions in a bank branch anymore. They’re asking them…
Jul 22, 2026 · 9:47
The five biggest U.S. banks just cleared more than $49 billion in a single quarter, and most coverage treated it as a record profits story. The more important signal sits…
Jul 21, 2026 · 45:04
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, digital sales in that market…
Jul 20, 2026 · 10:03
A charter can take your products. It can't take your relationships — unless you let it. In the first half of 2026, two dozen companies lined up to become banks, nearly matching…
Jul 16, 2026 · 10:24
Your dashboard says you are their primary bank. You may only be their vault. More than half of the new checking accounts opened today are additional accounts. The direct deposit…
Jul 14, 2026 · 49:12
What actually mattered in banking during the first half of 2026 — and what was just noise? Jim Marous welcomes Ron Shevlin, Chief Research Officer at Cornerstone Advisors, back…
Jul 13, 2026 · 9:45
Your bank has a birth date for every customer and almost no idea who any of them really are. In this Banking Insights Video, Jim Marous argues that age-based segmentation is…
Jul 9, 2026 · 34:31
A six-minute loan process comes down to a handful of decisions any institution can make. Jim Marous talks with Adam Cadmus of The Atlantic Federal Credit Union and Benjamin…
Jul 8, 2026 · 8:42
On June 25, 2026, Google launched a new Google Finance app. It looks like a market-data tool. It is the opening move in Google’s banking reset, and Google doesn’t need to become…
Jul 7, 2026 · 40:12
There is a quiet danger in banking. You get very good at one thing, and you keep doing it right up until the market shifts under you. Barclays built one of the largest card…
Jul 6, 2026 · 11:39
The next bank run will not look like a run. No crowd, no panic, just balances leaving quietly as customers’ AI agents move money to a better rate while everyone sleeps. In this…
Jul 1, 2026 · 8:46
A newly opened account usually starts in third place. Here is how banks turn new customers into primary relationships in the first 90 days. The average checking customer now uses…
Jun 30, 2026 · 48:38
Ron Johnson created the Apple Store and the Genius Bar. Here is what banks can learn from him about trust, branch design, and the future of human experience in banking. In this…
Jun 27, 2026 · 9:43
SoFi is not winning by cross-selling harder. It is building a bank where members reach for the next product on their own.In this episode, Jim Marous breaks down how SoFi moved…
Jun 24, 2026 · 8:32
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 Banking Report from Infosys…
Jun 23, 2026 · 36:23
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 live at nSight in Charlotte,…
Jun 20, 2026 · 7:57
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 feels programmed, from the…
Jun 17, 2026 · 9:11
"The banking industry spends billions competing for deposits, loans, and new accounts. But what if the real competition starts much earlier? In this episode of Banking Insights,…
Jun 16, 2026 · 34:36
Traditional financial institutions often view the credit-underserved market as a liability. In this episode of Banking Transformed, Michael Coleman, CMO of Credit One Bank, joins…
Jun 15, 2026 · 10:11
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 mature peers, and they are not…
Jun 10, 2026 · 10:56
Sixty-five million Americans cannot fully participate in the economy that most people take for granted. For many, the issue is not irresponsibility. It is a medical crisis,…
Jun 9, 2026 · 37:03
How will bankers and AI agents be working side by side five years from now? For most banks, that is no longer a hypothetical. New global research from nCino (link below) finds…
Jun 6, 2026 · 7:45
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 design failure. Banks spent…
Jun 3, 2026 · 8:36
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 with the weakest balance…
Jun 2, 2026 · 43:14
Why do the same financial brands keep showing up inside ChatGPT recommendations while many traditional institutions barely appear at all?New research from EMARKETER found that…
May 30, 2026 · 11:23
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 longer financially stressed…
May 27, 2026 · 9:08
Your bank may already be invisible.Not on Google. Invisible inside ChatGPT, Claude, and Gemini, where your customers now ask which bank to choose, which credit card to trust, and…
May 26, 2026 · 47:22
Banking transformation is rarely limited by technology. More often, it breaks down when teams lose trust, momentum, or clarity during change. In this live conversation from The…
May 21, 2026 · 53:45
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 future deposits, payments, and…
May 20, 2026 · 9:59
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 break down the four AI moves the…
May 19, 2026 · 47:46
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 live at the Financial Brand…
May 16, 2026 · 8:32
Banks are collecting more customer data than ever before. Yet most institutions still do not understand the customer any better. In this Banking Insights episode, I explain why…
May 14, 2026 · 45:57
Most banks still treat AI as a chatbot or efficiency tool. Bank of America built something much bigger. In this live conversation from the Financial Brand Forum, Jorge Camargo,…
May 12, 2026 · 54:26
Is your bank being unbundled without realizing it? Most banking leaders are still watching the obvious disruptors. But the bigger threat may be happening behind the scenes, as…
May 9, 2026 · 10:22
Most banks think they have an attrition problem under control because the closure numbers still look healthy. But customers are not leaving the way they used to. They are opening…
May 6, 2026 · 11:18
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…
May 5, 2026 · 44:54
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…
May 2, 2026 · 8:45
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%…
Apr 30, 2026 · 52:22
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 change and still isn’t changing…
Apr 28, 2026 · 48:24
Banks have spent three years experimenting with generative AI. Most of those pilots are quietly dying. Not because the technology failed, but because no one could prove the…
Apr 26, 2026 · 9:16
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 even begins. Many institutions…
Apr 22, 2026 · 8:22
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 AI to drive real-time…
Apr 21, 2026 · 33:20
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, host Jim Marous is joined by…
Apr 15, 2026 · 9:26
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-innovating the banking…
Apr 14, 2026 · 50:21
In this episode of Banking Transformed, Jim Marous is joined by Amy Hysell, President and CEO of Arizona Financial Credit Union, live from the organization’s new Biltmore Branch…
Apr 7, 2026 · 18:11
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 U.S. market is…
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