Podcast
Banking Transformed with Jim Marous
Hosted by Evergreen Podcasts · EN
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.
40episodes
Episodes
Newest firstAll episodes
The Path to Banking's Dual Workforce, with nCino CEO Sean Desmond
Yesterday00:37:03Tap to summarizeWhat happens to traditional banking roles when a single employee can execute the responsibilities of ten different jobs? The banking sector is entering the era of the dual workforce. New global research from nCino reveals that 9 in 10 banking executives expect humans and AI agents to work side by side within five years, yet only 20% can currently prove their AI investments drive revenue growth. In this episode of Banking Transformed, host Jim Marous sits down live at nSight with Sean Desmond, CEO and President of nCino, to dissect "The Path to One." Sean shares how he bypassed traditional corporate friction to build a custom "CEO Agent Stack" in under 90 minutes using Anthropic's Claude, enabling him to proactively track market threats and pipeline shifts before his morning coffee. What You'll Learn: • Collapsing the Org Chart: How complex commercial lending workflows that required 7 to 10 professionals are being compressed down to a single human manager overseeing an interconnected agent stack. • Eliminating the Handoff: Why reducing the number of people in a workflow cuts cycle times and minimizes costly errors. • Moving Beyond the Sandbox: Overcoming rigid internal governance to safely move AI tools out of test environments and onto live production data. • The New M&A Kingmaker: Why the impending wave of bank consolidation will be won by agile institutions built on an agentic operating model. Banking Transformed publishes new episodes multiple times each week. Subscribe wherever you listen, and if this conversation gives you something you can act on Monday morning, leave a review. nCino's inaugural AI in Banking Benchmark surveyed 150 senior banking executives and the results tell a story of high confidence with a striking blind spot. Nearly 9 in 10 say AI agents are the future, but only 1 in 5 are tying it to revenue. nCino CEO Sean Desmond joins Banking Transformed to unpack what's driving that gap and what banks need to do about it. #AgenticAI #Banking #AI #Fintech #FutureOfBanking #nCino #DualWorkforce #BankingTransformed #podcast
Transcribe →How Banks Can Fix the Real Reason Americans Aren't Saving
4d ago00:07:45Tap to summarizeAmericans 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 decades making spending effortless while leaving saving to willpower, and the programs that actually changed behavior, from Christmas Clubs to round-ups to retirement auto-enrollment, all worked the same way: they built a system and removed the decision. The uncomfortable part is why the industry never automated everyday saving behaviors.This episode covers the difference between a knowledge problem and a behavior problem, what Bank of America, Ally, SoFi, and Acorns understood that most institutions ignored, why the clearest signal a customer can send so often goes unanswered, and the single change that would do more than any new technology.Subscribe for new Banking Insights each week as part of the Banking Transformed podcast.#BankingTransformed #Banking #DigitalBanking #FinancialWellness #BehavioralEconomics #Fintech #Saving
Transcribe →Hidden Driver Behind Banking's Next Consolidation
1w ago00:08:36Tap to summarizeThe 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 sheets. They will be the ones that waited too long to modernize. Drawing on conversations with executives running institutions with $2 billion in assets to over a trillion, and research in conjunction with Alkami Technologies, this episode reframes what resilience means in 2026 and what it requires of leadership.Topics covered: • Why this consolidation cycle is structurally different from the 1990s wave or the post-2008 wave • Why digital maturity now predicts revenue performance more reliably than scale does • What separates the institutions positioned to acquire from the ones positioned to be acquired • Why the grace period banks used to have for technology adoption is gone • The new definition of resilience that determines who survives this cycle #BankingConsolidation #DigitalMaturity #BankingAI #BankingLTransformed #Banking
Transcribe →Why Capital One, Klarna & Coinbase Win AI Search
1w ago00:43:14Tap to summarizeWhy 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 brands including Capital One, Klarna, Coinbase, PayPal, and Discover consistently rank among the most visible financial companies in AI recommendations.In this episode of Banking Transformed, Jim Marous speaks with Tiffani Montez, principal analyst for financial services at EMARKETER, about what the AI Visibility Index reveals about consumer trust, digital marketing, and the changing dynamics of financial brand discovery.The discussion explores why fintechs dominate some categories while legacy institutions still lead others, how consumer behavior is shifting in the AI era, and what today's financial marketers may still be underestimating about visibility and relevance.#Banking #AI #DigitalMarketing #Fintech #ChatGPT #BankingTransformed
Transcribe →How Chime Beat All Banks at Account Growth
2w ago00:11:23Tap to summarizeChime 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 households. It is higher-income consumers looking for a banking experience that feels simpler, faster, and less frustrating.In this Insight Video, Jim Marous breaks down the Chime flywheel and explains why the company’s growth is not really about fintech technology. Most of the tools driving Chime’s success already exist inside traditional banking today.The difference is operational focus, product innovation, and a willingness to remove customer friction that many institutions still defend economically.This episode explores direct deposit primacy, engagement-driven economics, referral growth, product innovation, and why Chime may be exposing a much larger leadership challenge across retail banking.#Banking #DigitalBanking #Fintech #Chime #BankingStrategy #CustomerExperience #BankInnovation #BankingTransformed
Transcribe →What is GEO and Why Does it Matter
2w ago00:09:08Tap to summarizeYour 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 which financial app is worth their time. The AI gives them three names. Yours may not be one of them.Jim Marous breaks down the eMarketer AI Visibility Index data, the five specific moves a bank marketer can start this week, and the Monday Morning Test every banking leader should run before their next executive meeting. Featuring data from Tiffani Montez at eMarketer and David Evans of The Financial Brand.#BankingInsights #AIinBanking #GenerativeEngineOptimization #DigitalBanking #JimMarous
Transcribe →Leading Through Banking's Next Normal
2w ago00:47:22Tap to summarizeBanking 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 Financial Brand Forum, Pinnacle Financial Partners Chief Digital and Product Solutions Officer Liz Wolverton discusses what leaders get wrong about mergers, AI adoption, and digital transformation. We explore how to reduce uncertainty during disruption, how AI should be introduced as a teammate instead of a threat, and why urgency without empathy can derail even the best strategy. Hosted by Jim Marous, Co-Publisher of The Financial Brand and Owner and Publisher of the Digital Banking Report. #Banking #AI #DigitalTransformation #Leadership #ChangeManagement
Transcribe →Jack Henry's 2026 Benchmark: Why Banks Lose Deposits to Fintechs
3w ago00:53:45Tap to summarizeMost 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 engagement. In this episode, Lee Wetherington from Jack Henry joins me to break down the findings from their 2026 Strategy Benchmark Study and explain why many financial institutions still struggle to act on signals already sitting in their own data. We discuss silent attrition, payment flow analytics, Gen Z deposit growth, AI investment priorities, and why payments have become the control point in the accountholder relationship. This conversation is not just about technology. It’s about how the game of banking is changing. This episode is sponsored by Jack Henry®. At Jack Henry, we believe the world is a better place with community and regional banks and credit unions. For 50 years, we’ve put financial institutions at the center of our modernization. We’re here to help you innovate faster, differentiate strategically, and compete successfully – with one goal in mind: to improve the financial health of the people you serve. To learn more about the findings discussed in today's episode, download the full Strategy Benchmark study here: https://discover.jackhenry.com/strategy-benchmark-study-2026 Subscribe to Banking Transformed for new episodes published multiple times weekly. #BankingTransformed #Banking #DigitalBanking #Fintech #AIinBanking #Payments #BankStrategy #CustomerExperience #FutureOfBanking #GenZBanking
Transcribe →Four AI Moves Every Bank Marketer Needs Now
3w ago00:09:59Tap to summarizeIf 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 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. Using AI is no longer the goal, because every bank will get that far. The marketers who win refuse to mail it in and build something a competitor cannot copy. AI marketing has no finish line. Hosted by Jim Marous, Co-Publisher of The Financial Brand, Owner and Publisher of the Digital Banking Report, and host of the Banking Transformed podcast. #BankMarketing #AI #marketing #Banking #BankingTransformed #FinancialServices
Transcribe →Building the Agentic Bank With Citi’s Driss Temsamani
3w ago00:47:46Tap to summarizeMost 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 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. We discuss why software development costs are collapsing, why subject matter expertise becomes more valuable in an AI-driven organization, how agentic systems could reshape customer engagement, and why technologies like blockchain may become foundational to the future of financial services infrastructure. This conversation goes well beyond automation. It looks at what banking may become once intelligence is embedded into every part of the organization. Hosted by Jim Marous, Co-Publisher of The Financial Brand and Owner and Publisher of the Digital Banking Report. #Banking #AI #AgenticAI #DigitalBanking #BankingTransformed #Citi #Fintech #CustomerExperience
Transcribe →