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Banking Transformed with Jim Marous

LLH Media

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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576 episodes
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English

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Today · 7 min
Closing the Relationship Gap in Business Banking
An assigned relationship manager promises a small business that someone will know them, yet satisfaction with those managers fell 35 points among the newest customers. Jim Marous breaks down J.D. Power’s latest findings and four actions banks and credit unions can take, starting with a real conversation during onboarding.
Friday · 43 min
Why Being a Better Bank Isn’t Enough, with Laura Ries
In this Flashback Friday, Laura Ries, author of The Strategic Enemy, explains why banks and credit unions claiming to be better won’t be believed, and why picking one rival to position against works instead. She shares how visual hammers, a narrow idea repeated often and employees who live the brand promise can make an institution stand out.
Wednesday · 10 min
Acorns and the Saving Habit Banks Can Build
Acorns customers have invested more than $7.3 billion from spare change alone, yet most banks and credit unions still haven’t made regular saving that easy. Jim Marous breaks down what Acorns gets right and how any institution can build a savings tool customers turn on and keep using.
Tuesday · 44 min
Brett King on Bank 5.0 and the Rise of AI Agents
Brett King, author of Bank 5.0, believes the primary financial relationship will belong to an AI agent, not a bank. He joins Jim Marous to explain why banks that can’t connect to the new agent-first infrastructure could be acquired by the mid-2030s.
November 2 · 9 min
Banking Websites Must Be Built for AI Search
Customers trust their bank’s own website more than any other source, and more of them are bringing AI along to compare products. Jim Marous shows how a product page that says who an account is for, what it costs and how to avoid the fee can win both the customer and the AI tool helping her.
October 30 · 44 min
Stablecoin Threats to Banking
In this Flashback Friday, former Federal Reserve economist Dr. Lamont Black explains how stablecoins could cost banks and credit unions interchange, data and deposits once the GENIUS Act takes effect in 2027. He shares why smaller institutions can move faster than they think and where to start now.
October 29 · 16 min
Is Your Bank Ready for Stablecoins and AI Agents?
7 of the 10 largest U.S. banks have tested stablecoins or tokenized deposits for settlement, and most stablecoin transfers happen outside banking hours. Recorded at Money 20/20, Pavel Kashuba of CoinsPaid Solutions joins Jim Marous to explain what that means for deposits, interchange revenue and how long your bank or credit union can afford to wait.
October 28 · 9 min
Inside U.S. Bank’s Innovation Culture
Jim Marous says U.S. Bank has the most impressive innovation culture in American banking, and its method is one any bank or credit union can copy. He breaks down how U.S. Bank moves customer improvements from idea to launch by tying work to business priorities, bringing risk in early and setting success measures before work starts.
October 27 · 40 min
Why Easy Banking May Beat Delighting Customers
Banking is something people need to do, not want to do, and the best experience gives customers their time back. Derek Corcoran, author of Designing for Need, joins Jim Marous to explain how one community bank got account opening down to 2 minutes and 13 seconds, and Jim pushes back on what that means for knowing your customers.
October 26 · 10 min
Money 20/20: A Firehose Dose of Where Banking Is Heading
Money 20/20 showed banks and credit unions what’s coming: AI agents that move money, new payment rails and rules still being written. Jim Marous breaks down what institutions should prepare for and why caution about AI agents is no reason to stop.
October 23 · 41 min
Why KeyBank Says No to Good Ideas
In this Flashback Friday from The Financial Brand Forum 2025, KeyBank’s Victor Alexander explains why a $185 billion bank says no to good ideas so it can finish the ones that matter. He shares how that focus shapes KeyBank’s approach to mass affluent clients, fintech partnerships and AI as a growth driver.
October 21 · 11 min
9 Growth Strategies for Banks and Credit Unions in 2027
Most banks and credit unions know what digital transformation requires, yet 93% still haven’t fully reached their goals. Jim Marous lays out nine specific tasks any institution can start now, from a clear North Star to opening an account in 3 to 5 minutes.
October 20 · 31 min
Why a Bank Built a Fintech to Compete With Itself
Bancolombia built a digital bank to compete with itself, and Nequi now serves 24 million customers. CIO Fidel Vargas joins Jim Marous to share what U.S. banks and credit unions can learn from Latin America’s pace of innovation, from in-house tech to generative AI that cut contact center costs by more than 20%.
October 19 · 9 min
A New Threat to Banks and Credit Unions from Robinhood
Robinhood Banking passed $3 billion in deposits by starting with customers who were already investing. Jim Marous follows a customer named Daniel as he starts investing $50 a month elsewhere and shares a simple test that shows whether your bank or credit union is ready to keep that relationship.
October 16 · 39 min
Voice AI Personalized for Each Banking Customer
What if every customer had a VIP banker in their phone who answered by name at any hour? In this Flashback Friday, Bland CEO Isaiah Granet tells Jim Marous how voice AI can make that happen for banks and credit unions, as long as trust comes first.
October 14 · 10 min
You Can Replicate Amazon’s Powerful New Tool
Most banks and credit unions guess what customers need from data those customers never see, and when the guess is wrong, trust takes the hit. Jim Marous shares what Bank of America learned from 3 billion Erica conversations and three simple questions any institution can start asking this week.
October 13 · 42 min
Turning Data Into Better Banking
Community banks and credit unions already have the technology and data to compete with the biggest banks, but many are waiting too long to use it. Jack Henry CEO Greg Adelson joins Jim Marous to explain why the execution gap keeps widening and how to close it without losing the service, relationships and trust that set community institutions apart.
October 12 · 9 min
Could Venmo Become Your Customer's Primary Bank?
In this Banking Insights episode, Jim Marous breaks down what Venmo's debit card economics, Teen Accounts, and a rejected $53 billion buyout bid actually say about where that trust is headed next, and what it would cost your bank or credit union if a customer's paycheck lands there first.
October 9 · 13 min
A Look Back: The 2023 AI Forecast for Banking
In February 2023, two months after ChatGPT went public, Microsoft's Charles Morris told Jim Marous how banks would really use generative AI, and many of his calls held up. In this first Flashback Friday, revisit his predictions and see how far your own bank or credit union has moved since.
October 8 · 10 min
How to Win Millennial and Gen Z Customers
Millennials and Gen Z open 67% of new primary checking accounts, but community banks and credit unions are winning only 21% of them. Jim Marous uses his own son's banking to show where these relationships really go and lays out six moves to win them back.

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