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Jim Marous

Jim Marous

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Publisher of the Digital Banking Report and host of the Banking Transformed podcast; leading voice on customer experience and digital transformation [cite: 1, 4].

Recent Posts

Half of Banking Leaders' Skills Will Vanish—Learn Continuously
Social•Feb 13, 2026

Half of Banking Leaders' Skills Will Vanish—Learn Continuously

Nearly half of the skills banking leaders rely on today will be obsolete within five years. Continuous learning is no longer optional. It is the most critical leadership skill. Watch the full episode: https://t.co/niO7fXOQML https://t.co/oNvJXTcWkz

By Jim Marous
Unify Systems, Consolidate Vendors, Make AI Measurable
Social•Feb 12, 2026

Unify Systems, Consolidate Vendors, Make AI Measurable

The next phase of growth requires unifying systems, consolidating vendors, and finally making AI deliver measurable results. We explore how with Benjamin Conant, Chief Product Officer at @alkamitech and Co-Founder of @Mantl_tech. Watch the full episode: https://t.co/Jamreeb077 https://t.co/pwP81bugEI

By Jim Marous
Tech Stack and Agile Leadership Drive Banking Performance
Social•Feb 12, 2026

Tech Stack and Agile Leadership Drive Banking Performance

A strong tech stack supported by change-ready leadership is essential for improved performance in today’s banking environment. Access the free report: https://t.co/0wah7wPuXN https://t.co/afm9zdd3tL

By Jim Marous
Credit Access Remains Lifeline for 40% Struggling Consumers
Social•Feb 10, 2026

Credit Access Remains Lifeline for 40% Struggling Consumers

Check out the panel hosted by @CreditOneBank, where we discussed how access to credit is a financial lifeline, especially given that 40% of consumers have trouble obtaining credit from traditional banking organizations. #financialhealth #financialwellness #creditcards #ad https://t.co/lMc0qdw4Uj

By Jim Marous
Gen Z to Dominate Wealth by 2035; Banks Lag
Social•Feb 8, 2026

Gen Z to Dominate Wealth by 2035; Banks Lag

By 2035, Gen Z will be the largest and wealthiest generation. Yet most banks still struggle to earn their trust and loyalty. Let’s unpack new Banking in Focus research with Carrie Stapp from Primax. Watch the full video: https://t.co/HZQVk7pNbC https://t.co/ER895Ye8b7

By Jim Marous
Tailored Financial Services Beat Generic Products
Social•Feb 7, 2026

Tailored Financial Services Beat Generic Products

Generic financial products cannot compete with services built around personal goals and risk tolerance. https://t.co/IHsIQ2xloC

By Jim Marous
Banks' Balance Sheets Threatened by Stablecoins, AI Agents
Social•Feb 6, 2026

Banks' Balance Sheets Threatened by Stablecoins, AI Agents

Banking leaders know disruption is coming. What they don’t realize is how much of their balance sheet is already at risk from stablecoins, AI agents, and new platforms. We discuss this with Mike Abbott from @Accenture. Watch the full episode:...

By Jim Marous
Retail Banking Moves From Transactions to Relationship‑Focused Experiences
Social•Feb 5, 2026

Retail Banking Moves From Transactions to Relationship‑Focused Experiences

Retail banking is shifting from transactions to relationships. Institutions must get creative with video banking, mobile advisors, and advisory focused branches. Download the free report today: https://t.co/08DiNXh0DA https://t.co/zoyyvBHf0s

By Jim Marous
200 Trillion Dollars of Bank Deposits and Loans at Risk
Social•Feb 5, 2026

200 Trillion Dollars of Bank Deposits and Loans at Risk

[New Episode] Why $200 Trillion in Bank Deposits and Loans Are Now at Risk. With Michael Abbot, Global Banking Lead at @Accenture. Watch the latest episode now: https://t.co/EmxczOgUeq https://t.co/IM4ZiSTiPp

By Jim Marous
Personalized Banking at Scale Will Dominate the Future
Social•Feb 4, 2026

Personalized Banking at Scale Will Dominate the Future

The future of banking belongs to institutions that personalize at scale across the entire customer journey. https://t.co/xopg1mbn5M

By Jim Marous
Tailor Your Branch Strategy to Your Identity
Social•Feb 2, 2026

Tailor Your Branch Strategy to Your Identity

Branch strategy cannot be copied from another institution. It must be defined by who you are as a company and who you serve. https://t.co/O3hS87zXrw

By Jim Marous
Banks Must Embrace Risk to Stay Competitive
Social•Jan 31, 2026

Banks Must Embrace Risk to Stay Competitive

Good marketing requires risk. If your bank refuses to take risks, it cannot evolve or compete in today’s environment. https://t.co/Tmpk1Ux8lW

By Jim Marous
Banks Need Modern Back Offices to Scale Efficiently
Social•Jan 29, 2026

Banks Need Modern Back Offices to Scale Efficiently

[New Episode] Banks Can’t Scale Without a Modern Back Office. With guests, Richard Ullenius and @BrandonSailors from @csg_i. Watch the latest episode: https://t.co/n0Vuv4oh4u https://t.co/8vX6TWAPDB

By Jim Marous
Seamless Omnichannel Banking Boosts Customer Loyalty
Social•Jan 28, 2026

Seamless Omnichannel Banking Boosts Customer Loyalty

Seamless experiences drive loyalty. Meet customers on their terms with a banking journey that moves effortlessly between channels. Read the article: https://t.co/QAWbgEQBZP https://t.co/zxjYnCYX18

By Jim Marous
Stablecoins Set to Transform Financial Services Landscape
Social•Jan 28, 2026

Stablecoins Set to Transform Financial Services Landscape

[New Episode] How Stablecoins Will Reshape Financial Services. Watch our latest episode with @lamontkblack of @DePaulU: https://t.co/pKKUHeEv80 https://t.co/PdwZcM76uV

By Jim Marous
Physical Branches Shape Customer Perception More Than Expected
Social•Jan 27, 2026

Physical Branches Shape Customer Perception More Than Expected

Consumers are used to seeing physical locations, even if they rarely go inside. Presence shapes perception in ways banks often underestimate. https://t.co/8MifwF83r7

By Jim Marous
Banks Must Drive Ongoing Activity, Not Just Ownership
Social•Jan 26, 2026

Banks Must Drive Ongoing Activity, Not Just Ownership

Account ownership is not enough. Banks must design propositions that encourage ongoing activity while building sustainable revenue models. Download the report for free: https://t.co/0wah7wPuXN https://t.co/kupkgsdHhe

By Jim Marous
Banks Should Use Personalization to Build Trust, Not Push Sales
Social•Jan 25, 2026

Banks Should Use Personalization to Build Trust, Not Push Sales

Banks must rethink personalization as a relationship engine, not a sales trigger. Getting this wrong weakens trust over time. Read more here: https://t.co/bBd6Gks1RH https://t.co/N9sg2C4Ct5

By Jim Marous
Data Advantage: Reach Right Consumers, Right Time, Right Channels
Social•Jan 24, 2026

Data Advantage: Reach Right Consumers, Right Time, Right Channels

Data advantage is not about dashboards. It is about connecting with the right consumers at the right time across the right channels. We unpack how with Preston Carroll and Eddie Tu of @FM_Direct. Watch the full episode: https://t.co/ZqirpHta6S https://t.co/aHsytjhuZ4

By Jim Marous
Why Banking Marketing Data Fails—And How to Fix It
Social•Jan 23, 2026

Why Banking Marketing Data Fails—And How to Fix It

[New Episode] Why Marketing Data Fails in Banking and How to Fix It. With Preston Carroll and Eddie Tu of @FM_Direct. Watch the latest episode: https://t.co/ZqirpHta6S https://t.co/IusElPW1cE

By Jim Marous
Generative AI Promises Personalized, Pocket‑sized Insight Despite Hurdles
Social•Jan 22, 2026

Generative AI Promises Personalized, Pocket‑sized Insight Despite Hurdles

There will be mistakes, regulations, and challenges. But generative AI will make us more informed, better served, and more personalized than ever, all from a device in our pocket. https://t.co/7pJLU4gZ91

By Jim Marous
Rethink Dispute Processes to Turn Fraud Into Advantage
Social•Jan 22, 2026

Rethink Dispute Processes to Turn Fraud Into Advantage

Banks can turn first-party fraud from a hidden vulnerability into a competitive advantage if they rethink dispute processes. Join our conversation with @shanthi_peace, CEO of Casap. Watch the full episode: https://t.co/aCTj9YH63K https://t.co/vmuPbei31q

By Jim Marous
Full Customer View Enables Speed and Relevance
Social•Jan 22, 2026

Full Customer View Enables Speed and Relevance

Customers expect relevance and speed. Without a complete view of the customer, representatives cannot deliver either. https://t.co/cvbaoUmh1n

By Jim Marous
Banks Overlook Billion-Dollar Fraud Crisis
Social•Jan 21, 2026

Banks Overlook Billion-Dollar Fraud Crisis

[New Episode] The Billion Dollar Fraud Crisis Most Banks Are Missing. With @shanthi_peace, CEO of Casap. Watch the latest episode now: https://t.co/aCTj9YH63K https://t.co/dJky1nDo6a

By Jim Marous
Consumers Test Financial Services Before Full Commitment
Social•Jan 20, 2026

Consumers Test Financial Services Before Full Commitment

Financial relationships take time. Consumers kick the tires before committing fully, just like buying a used car. Digital players understand this patience. https://t.co/2BdOuNRPaG

By Jim Marous
Embedded Banking Unlocks New Revenue Streams for Banks
Social•Jan 19, 2026

Embedded Banking Unlocks New Revenue Streams for Banks

Embedded banking is creating new revenue opportunities for traditional financial institutions by capturing transactions that happen outside their own channels. Download the free report: https://t.co/08DiNXh0DA https://t.co/NHedOV5MTH

By Jim Marous
Banking Now Competes with Every Digital Experience
Social•Jan 19, 2026

Banking Now Competes with Every Digital Experience

Banking is no longer competing with the branch down the street. It is competing with every digital experience customers have before opening a banking app. Phil Tomlinson and Pragya Agarwal of @TaskUs share their insights. Watch the full episode: https://t.co/Vz857MVBk5...

By Jim Marous
Banking Becomes Proactive, Contextual, Integrated with New Interfaces
Social•Jan 18, 2026

Banking Becomes Proactive, Contextual, Integrated with New Interfaces

When new interfaces meet financial intelligence, banking becomes proactive, contextual, and seamlessly integrated into everyday decisions. https://t.co/Yh0uB8tZFZ

By Jim Marous
Balancing Speed and Trust: Banking’s New Imperative
Social•Jan 18, 2026

Balancing Speed and Trust: Banking’s New Imperative

[New Episode] SPEED VS. TRUST IN BANKING. With Phil Thomlinson and Pragya Agarwal of @TaskUs. Watch the latest episode: https://t.co/Vz857MVBk5 https://t.co/0fOzccerwM

By Jim Marous
Permission‑Based Personalization: AI Must Respect Trust
Social•Jan 14, 2026

Permission‑Based Personalization: AI Must Respect Trust

The future of personalization is permission based. AI must serve customer needs, not cross trust boundaries. https://t.co/dpD6MT21TW

By Jim Marous
Serving the Underserved: Critical Strategy Gap
Social•Jan 14, 2026

Serving the Underserved: Critical Strategy Gap

Serving the underserved is no longer optional for financial institutions. It is the strategy gap holding the industry back, according to this powerful discussion. Watch the full episode now: https://t.co/m6PArSdD2z https://t.co/lwFdWSL0yg

By Jim Marous
Early AI Adoption Secures Lasting Competitive Edge
Social•Jan 13, 2026

Early AI Adoption Secures Lasting Competitive Edge

Being first matters more than ever. Institutions that harness generative AI today can redefine customer experiences and gain lasting advantage. Get the free report: https://t.co/k3GpJ9wvLy https://t.co/qxfNMFDFfa

By Jim Marous
Next‑Gen Financial Centers: Banking Future or Costly Contradiction?
Social•Jan 10, 2026

Next‑Gen Financial Centers: Banking Future or Costly Contradiction?

Are next-generation financial centers the future of banking or the most expensive contradiction in the industry? We tackle this question with Will Smayda, who leads @BankofAmerica’s financial center transformation. Watch the full episode: https://t.co/VPOW1o2ea0 https://t.co/oW2yU7P5Hi

By Jim Marous
Smart Branches Prioritize Advice, Relationships, Community
Social•Jan 10, 2026

Smart Branches Prioritize Advice, Relationships, Community

The future of branches is not fewer locations. It is smarter ones built around advice, relationships, and community. We explore this shift with Will Smayda of @BankofAmerica. Watch the full video: https://t.co/VPOW1o2ea0 https://t.co/AwGHmPSvZz

By Jim Marous
Resilience Requires Modern, Flexible Infrastructure Over Legacy Systems
Social•Jan 9, 2026

Resilience Requires Modern, Flexible Infrastructure Over Legacy Systems

Legacy systems hold too many institutions back. True resilience means having flexible, modern infrastructure ready to support growth and adaptation. https://t.co/s8vOLhI5iN

By Jim Marous
Modernizing Core Delivers Speed, Flexibility, Resilience
Social•Jan 9, 2026

Modernizing Core Delivers Speed, Flexibility, Resilience

Core modernization is not about appearances. It is about speed, flexibility, and resilience that legacy systems cannot deliver. We unpack what this means with Sai Rangachari of @Temenos. Watch the full video: https://t.co/u3T8bi10eb https://t.co/nTrfg3ms91

By Jim Marous
Legacy Core Systems Stifle Banking Innovation in AI Era
Social•Jan 8, 2026

Legacy Core Systems Stifle Banking Innovation in AI Era

Legacy core systems slow innovation, limit personalization, and hold banks back in an AI-driven world. Modern architecture is no longer optional. Joined by Sairam Rangachari, Chief Product Officer at @Temenos. Watch the full video: https://t.co/u3T8bi10eb https://t.co/zl0zx8toz8

By Jim Marous
Outdated Credit Models Stifle Mobility and Bank Growth
Social•Jan 8, 2026

Outdated Credit Models Stifle Mobility and Bank Growth

When outdated credit models deny access, education alone cannot fix the problem. Mobility stalls and banks lose the growth they claim to seek. This episode breaks down why. Watch the full episode: https://t.co/m6PArSdD2z https://t.co/LYFit4gX3H

By Jim Marous
BofA's Unexpected Expansion Strategy Revealed with Will Smayda
Social•Jan 8, 2026

BofA's Unexpected Expansion Strategy Revealed with Will Smayda

[New Episode] Inside BofA’s Surprising Expansion Strategy with Will Smayda of @BankofAmerica. Watch the full episode: https://t.co/VPOW1o2ea0 https://t.co/Sca88jockt

By Jim Marous
Complex Finance Traps Consumers, Benefits Hidden Players
Social•Jan 8, 2026

Complex Finance Traps Consumers, Benefits Hidden Players

Why do consumers struggle with even basic financial choices? And who really benefits from that complexity? I explore these questions with Tarun Ramadorai of the @imperialcollege. Watch the full episode: https://t.co/ULBFc2UkuF https://t.co/QyvYkI9NI3

By Jim Marous
Real‑world AI Deployment Compounds Value over Time
Social•Jan 7, 2026

Real‑world AI Deployment Compounds Value over Time

Institutions that move beyond pilot programs and deploy AI in live environments will create advantages that grow stronger over time. Action compounds value. https://t.co/rvTr4BICNz

By Jim Marous
Outdated Credit Data Bars Millions; Modernize Now
Social•Jan 7, 2026

Outdated Credit Data Bars Millions; Modernize Now

Millions of financially capable people are locked out of credit because banks rely on yesterday’s data describing yesterday’s behavior. This episode explains why that must change. Watch the full episode here: https://t.co/m6PArSdD2z https://t.co/005ysiH05e

By Jim Marous

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