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].

Seamless Omnichannel Banking Boosts Customer Loyalty
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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?
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
SocialJan 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
Single-Core Banking: Essential Insights for Modern Banks
SocialJan 7, 2026

Single-Core Banking: Essential Insights for Modern Banks

[New Episode] The Single-Core Advantage: What Banks Must Know Now with Sairam Rangachari of @Temenos. Watch the full episode now: https://t.co/u3T8bi10eb https://t.co/PHwFDofv1v

By Jim Marous
Financial System Intentionally Makes Decisions Needlessly Complex
SocialJan 6, 2026

Financial System Intentionally Makes Decisions Needlessly Complex

From savings to loans to retirement, financial decisions are harder than they should be. The system is not broken. It is designed this way. We discuss why with co-author of Fixed, Tarun Ramadorai of the @imperialcollege. Watch the full episode:...

By Jim Marous
Banking’s Biggest Gap: Inaction, Not Technology.
SocialJan 6, 2026

Banking’s Biggest Gap: Inaction, Not Technology.

The biggest gap in banking today is not technology. It’s inaction. While many institutions debate risk, others are moving forward and learning in real time. Standing still is the most dangerous choice of all. https://t.co/SywxxsYmHW

By Jim Marous
Serving the Underserved Is No Longer Optional
SocialJan 6, 2026

Serving the Underserved Is No Longer Optional

[New Episode] 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/gChE8uddFq

By Jim Marous
Most Financial Products Aim to Make Consumers Fail
SocialJan 5, 2026

Most Financial Products Aim to Make Consumers Fail

[New Episode] Most Financial Products Are Designed to Make Consumers Fail with co-author of Fixed, Tarun Ramadorai, Professor at the @imperialcollege. Watch the full video: https://t.co/ULBFc2UkuF https://t.co/0rIOCxB0zX

By Jim Marous
Transparency in Data Use Builds Trust and Engagement
SocialJan 5, 2026

Transparency in Data Use Builds Trust and Engagement

Transparency matters. Banks that show exactly how customer data drives better experiences gain trust and engagement. Learn more in the free report: https://t.co/8tDqGmzCp6 https://t.co/W6BGneNP4I

By Jim Marous