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].

Beyond CX: The Next Frontier in Banking
SocialMar 11, 2026

Beyond CX: The Next Frontier in Banking

[New Episode] Joe Pine: What Comes After Customer Experience in Banking. Watch the latest episode with @joepine, the author of Experience Economy: https://t.co/IxymL1KiHq https://t.co/yBfvjgK08C

By Jim Marous
Big Banks Grow Cards in Wealth Hubs; Branches Lag
SocialMar 10, 2026

Big Banks Grow Cards in Wealth Hubs; Branches Lag

Big banks can target wealthy areas for credit card growth. Most others? Branch expansion won’t move the needle. https://t.co/yizKsJvyL9

By Jim Marous
Let Digital Handle Routine; Branches Build Relationships
SocialMar 9, 2026

Let Digital Handle Routine; Branches Build Relationships

Digital handles routine needs. Branches should focus on complex conversations, community engagement, and relationship building. https://t.co/nOTg9IGJlt

By Jim Marous
Digital Ambition Needs Execution, Not Just Hype
SocialMar 9, 2026

Digital Ambition Needs Execution, Not Just Hype

Credit unions have digital ambition heading into 2026. But ambition alone won’t drive results. In this episode, Jesus Garcia of @OceanAir_CU explores the execution gap, branch expansion paradox, and where AI is real versus hype. Watch the full conversation sponsored by...

By Jim Marous
Credit Unions Excel by Executing Fintech Partnerships and AI
SocialMar 8, 2026

Credit Unions Excel by Executing Fintech Partnerships and AI

Strategy decks are everywhere in banking. Execution is where most institutions struggle. Jesus Garcia of @OceanAir_CU discusses what’s actually working in the credit union sector right now, from fintech partnerships to AI adoption. Watch the full episode, sponsored by @Q2_Software: //youtu.be/tGaZ5ZueuVs

By Jim Marous
OceanAir Bridges Credit Union Transformation Gap
SocialMar 7, 2026

OceanAir Bridges Credit Union Transformation Gap

[New Episode] How OceanAir Is Closing the Credit Union Transformation Gap. Interview with Jesus Garcia of @OceanAir_CU. Watch the latest episode on the Banking Transformed Podcast channel on YouTube. Watch the latest episode sponsored by @Q2_Software: https://t.co/VtR2LEbWma https://t.co/cisrp4Lmlv

By Jim Marous
Gen Z Demands Transparency, Speed, Empathy—Banks Must Adapt
SocialMar 6, 2026

Gen Z Demands Transparency, Speed, Empathy—Banks Must Adapt

Are Gen Z customers worth it? Absolutely. But they’re going to demand more transparency, more speed, more empathy, and more control. The real question is: Are banks ready for the friction that comes with higher expectations? https://t.co/pgkCkSGKYM

By Jim Marous
Digital Features Aren’t Transformation; Culture and Process Matter
SocialMar 5, 2026

Digital Features Aren’t Transformation; Culture and Process Matter

The industry has confused adding digital features with true transformation. Having a mobile app and digital account opening doesn’t make you digitally mature. Real transformation changes culture, processes, and mindset. Download the free report now: https://t.co/gNGFxphUMy https://t.co/bz0SeOWTSW

By Jim Marous
CreditOneBank Actually Serves Underserved Consumers, Others Don't
SocialMar 5, 2026

CreditOneBank Actually Serves Underserved Consumers, Others Don't

Almost all financial institutions say they want to support underserved consumers, but few actually ‘walk the walk’ like @CreditOneBank. #creditaccess #financialwellness #ad https://t.co/FvCz5e7Jnp

By Jim Marous
Beyond Features: Redefine Value in an AI-Driven Market
SocialMar 5, 2026

Beyond Features: Redefine Value in an AI-Driven Market

Your products are no longer differentiators. Digital is expected. Rates are aligned. AI compares features instantly. Competing on what you offer is a losing game. We discuss a different path with Allison Netzer, founder and CEO of BrandThnk. Watch the...

By Jim Marous
Agentic AI Turns Data Into Real‑World Life Insights
SocialMar 4, 2026

Agentic AI Turns Data Into Real‑World Life Insights

Traditional analytics looks at balances and transactions. Agentic AI looks at life. Economic shifts, rate changes, career moves, spending patterns, risk signals. That’s where true intelligence begins. https://t.co/bh34uYoOev

By Jim Marous
Product Parity Rendering Banks Invisible, Says Netzer
SocialMar 4, 2026

Product Parity Rendering Banks Invisible, Says Netzer

[New Episode] Product Parity Has Made Banks Invisible. Interview with Allison Netzer, Founder & CEO of https://t.co/QJ33Z67WGS. Watch the latest episode: https://t.co/vlOtQ9OtTq https://t.co/LzWIqjgLSS

By Jim Marous
Innovate Payments or Fade: Big Tech Leads Experience
SocialMar 3, 2026

Innovate Payments or Fade: Big Tech Leads Experience

Real-time payments are table stakes. Big Tech is owning the experience while banks process transactions in the background. If you do not innovate payments, you become invisible. Watch the full episode here: https://t.co/BQNDlxuwMR https://t.co/YiBUQo0kvm

By Jim Marous
Legacy Infrastructure Slows Decisions, Innovation, and Integration
SocialMar 2, 2026

Legacy Infrastructure Slows Decisions, Innovation, and Integration

Legacy infrastructure isn’t just a technology problem. It’s a speed problem. It slows decisioning, innovation, and the ability to connect modern solutions across the enterprise. https://t.co/f6tGEUmM7Q

By Jim Marous
Digital Success Hinges on Bold Change, Not Vendors
SocialFeb 28, 2026

Digital Success Hinges on Bold Change, Not Vendors

The future belongs to leaders willing to take smart risks, challenge legacy processes, and deploy technology the way customers want it used. Digital success isn’t about the vendor. It’s about the will to change. https://t.co/oqVqr3G6ac

By Jim Marous
Real‑time Payments Demand Faster Providers—Are You Ready?
SocialFeb 28, 2026

Real‑time Payments Demand Faster Providers—Are You Ready?

You’re only as fast as your slowest provider. Real-time payments are ready. Are your systems and teams ready? Many institutions are behind. Watch the full video now: https://t.co/qrsFZDRVT6 https://t.co/B7BPNfmvRo

By Jim Marous
Learning Velocity Threatens $847B in Regulated Transformations
SocialFeb 27, 2026

Learning Velocity Threatens $847B in Regulated Transformations

Most regulated industries still rely on 24-month transformation projects. Seventy percent fail to deliver value. That gap puts $847B at risk by 2030. I explore why learning velocity is the real threat. Watch the full episode now: https://t.co/3EzvLwQdvE https://t.co/BesD9wBahx

By Jim Marous
Digital Experience Ownership Drives Modern Financial Relationships
SocialFeb 27, 2026

Digital Experience Ownership Drives Modern Financial Relationships

Primary financial relationship used to be about history and proximity. Now it’s about convenience and daily engagement. If you own the digital experience, you own the relationship. https://t.co/g0okHl57Ma

By Jim Marous
Automation Boosts Call Center Quality Without Sacrificing Trust
SocialFeb 27, 2026

Automation Boosts Call Center Quality Without Sacrificing Trust

Modernizing call center operations can improve service quality and increase conversion opportunities. Automation doesn’t have to erode trust. We explore this with @zaygranet, CEO of @usebland. Watch the full episode: https://t.co/XXRymkLwFx https://t.co/lVvoajEUEM

By Jim Marous
Digital Adoption Drives the Future of Financial Services
SocialFeb 26, 2026

Digital Adoption Drives the Future of Financial Services

The future of financial services is digital. Whether you want to play that way or not. Consumers are opening accounts and transacting digitally more than ever before. https://t.co/mif0VDdckX

By Jim Marous
Effective Onboarding Fuels Customer Retention and Revenue
SocialFeb 26, 2026

Effective Onboarding Fuels Customer Retention and Revenue

You cannot expect strong relationships with weak onboarding. A well structured digital process directly impacts retention and revenue. Download The Power of Customer Permissioned Data for free: https://t.co/0wah7wPuXN https://t.co/QvZQSHbMI8

By Jim Marous
Great Banks Balance Autonomous Innovation with Responsibility
SocialFeb 25, 2026

Great Banks Balance Autonomous Innovation with Responsibility

Autonomous intelligence can drive speed and scale. What defines great financial institutions is how they balance innovation with responsibility. https://t.co/Ashs1ZyYcy

By Jim Marous
Voice AI Revolutionizes Banking, Says Bland CEO
SocialFeb 25, 2026

Voice AI Revolutionizes Banking, Says Bland CEO

[New Episode] @Bland's CEO on How Voice AI is Changing Banking. Interview with @zaygranet of @usebland. Watch the latest episode now: https://t.co/XXRymkLwFx https://t.co/44oPGvHNn8

By Jim Marous
Speed Transforms From Convenience to Competitive Edge
SocialFeb 24, 2026

Speed Transforms From Convenience to Competitive Edge

If I walk into a traditional branch, it’s days for an application, days for adjudication, days for approval. Speed is no longer convenience. Speed is competitive advantage. And today, the advantage is shifting. https://t.co/qZdm6aFQq4

By Jim Marous
Invest in Tech, Data, AI to Outperform Banking
SocialFeb 23, 2026

Invest in Tech, Data, AI to Outperform Banking

Playing catch up is not a strategy. The institutions that outperform are investing in tech skills, data infrastructure, and AI readiness. Get the roadmap in 2026 Retail Banking Trends and Priorities. Download here: https://t.co/oO8kYW1VHc https://t.co/p6BAG6Si63

By Jim Marous
Integration of Digital and Human Creates Competitive Edge
SocialFeb 21, 2026

Integration of Digital and Human Creates Competitive Edge

Competitive differentiation today comes from integration. It is about connecting digital capability with human experience in a way that feels seamless to the customer. https://t.co/Jk20pooXPJ

By Jim Marous
Credit One Teaches Credit Pitfalls and Rebuilding Momentum
SocialFeb 21, 2026

Credit One Teaches Credit Pitfalls and Rebuilding Momentum

@CreditOneBank is building programs like Credit Wreckers to teach people what not to do with credit and help rebuild financial momentum. In this episode, we discuss how with Steve Min. Watch the full video: https://t.co/wUIHckaAy4 https://t.co/kXzIKFYg9G

By Jim Marous
Leadership's Risk Appetite Drives Digital Success
SocialFeb 20, 2026

Leadership's Risk Appetite Drives Digital Success

The biggest barrier to digital success is rarely technological or budget. It is leadership’s willingness to embrace change and take risks. Watch the full episode now: https://t.co/BQNDlxuwMR https://t.co/rgqIU4dXx1

By Jim Marous
Challenger Brands Win Through Clear Purpose, Not Spend
SocialFeb 20, 2026

Challenger Brands Win Through Clear Purpose, Not Spend

Challenger brands do not win by spending more. They win by making clear choices about who they serve and what they stand for. We explore Rival’s study with @EFulwiler in this episode. Watch the full video: https://t.co/Y31f7tnfQ6 https://t.co/M2cWuLR3zt

By Jim Marous
Consumers Misunderstand Credit Scores; Banks Must Rethink Risk
SocialFeb 20, 2026

Consumers Misunderstand Credit Scores; Banks Must Rethink Risk

Most consumers don’t understand how their credit score is calculated, and stigma keeps them from getting help. Financial institutions must rethink risk. We explore this with Steve Min, Chief Credit Officer at @CreditOneBank. Watch the full episode now: https://t.co/wUIHckaAy4 https://t.co/dX96wDMpfj

By Jim Marous
Retail Banking Strategies Lag Behind Execution in 2026
SocialFeb 19, 2026

Retail Banking Strategies Lag Behind Execution in 2026

The 2026 Retail Banking Trends research reveals a clear gap between strategy and execution across digital, payments, AI, and partnerships. Watch the full video: https://t.co/qrsFZDRVT6 https://t.co/pesk3Lrhfe

By Jim Marous
Bank Relevance Demands Challenger Mindset, Not Just Tech
SocialFeb 19, 2026

Bank Relevance Demands Challenger Mindset, Not Just Tech

No amount of technology or marketing will make a bank relevant without a challenger mindset. Culture determines whether innovation ever reaches the customer. We discuss this with @EFulwiler, CEO of Rival. Watch the full episode: https://t.co/Y31f7tnfQ6 https://t.co/hmRJoRouya

By Jim Marous
Serving Customers Banks Shun: CreditOne’s Strategy
SocialFeb 19, 2026

Serving Customers Banks Shun: CreditOne’s Strategy

[New Episode] How to Serve the Customers Most Banks Avoid. Interview with Steve Min, Chief Credit Officer of @CreditOneBank. Watch the latest episode now: https://t.co/wUIHckaAy4 https://t.co/A9qJ3lPsUy

By Jim Marous
Future‑Ready Infrastructure Must Pivot With Market Shifts
SocialFeb 16, 2026

Future‑Ready Infrastructure Must Pivot With Market Shifts

Resilience today means being future ready. Can your infrastructure pivot as rates change, markets shift, or new competitors emerge? https://t.co/jCrVklXEuZ

By Jim Marous
Empower Employees, Not Just Automate, to Meet Expectations
SocialFeb 15, 2026

Empower Employees, Not Just Automate, to Meet Expectations

Automation alone is not the answer. Institutions that replace people instead of empowering them will struggle to meet rising customer expectations. https://t.co/3KhyMMpnPe

By Jim Marous
AI Widens Gap: Leaders Must Keep Learning
SocialFeb 14, 2026

AI Widens Gap: Leaders Must Keep Learning

AI is accelerating the divide between leaders who learn continuously and those who fall behind. Standing still is not a https://t.co/fRpFGuoNlH the full episode: https://t.co/niO7fXOQML https://t.co/vMRrQNi6cA

By Jim Marous
Unified Data Turns Branches Into Profit Engines
SocialFeb 13, 2026

Unified Data Turns Branches Into Profit Engines

Branches can become profit engines, not cost centers, if supported by unified data and modern infrastructure. Execution is the difference. We discuss this with Benjamin Conant of @alkamitech and Co founder of @Mantl_tech. Watch the full video now: https://t.co/Jamreeb077 https://t.co/L1lau9ecEU

By Jim Marous
Half of Banking Leaders' Skills Will Vanish—Learn Continuously
SocialFeb 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
SocialFeb 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
SocialFeb 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
SocialFeb 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
SocialFeb 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
SocialFeb 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
SocialFeb 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
SocialFeb 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
SocialFeb 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
SocialFeb 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
SocialFeb 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
SocialJan 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