Cover art for podcast Banking Transformed with Jim Marous

Banking Transformed with Jim Marous

189 EpisodesProduced by Evergreen PodcastsWebsite

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 … read more

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Essentials to Transformation Success in Banking

July 5th, 2022

43:17

Transformation is both an overused word and an underdeveloped concept at most financial institutions. Successfully embraced, transformation can help …

Be Prepared for the Engagement Banking Revolution

June 28th, 2022

31:25

Data, analytics, and new technologies are transforming the art and science of personalized customer experiences. Customer engagement of the future is …

From Personalization to Profits in Banking

June 23rd, 2022

48:33

Consumers want their financial providers to provide integrated experiences that leverage insights to create intuitive engagements. To accomplish this, banks and credit unions need to build the data infrastructure and …

An Inside Look into Morgan Stanley’s Evolving Brand Strategy

June 21st, 2022

52:59

With a long history of leading marketing efforts at various financial organizations, Alice Milligan was named the chief marketing officer of Morgan Stanley in May 2021 in conjunction with the acquisition of E-Trade by …

WeBank: A Model for the Future of Digital Banking

June 14th, 2022

46:58

WeBank is considered by many to be the most progressive digital bank in the world. Launched in 2014, WeBank provides financial services to over 300 million individuals and 2.7 million small businesses.

Recently, WeBank …

Delivering Financial Education to Customers and Communities

June 9th, 2022

45:41

Providing trust through personal financial education is an imperative for the entire finance services sector. It is also a cornerstone to building engagement across the entire customer journey.

The need for financial …

Banking Strategies to Withstand an Economic Downturn

June 7th, 2022

47:40

The banking industry has a once-in-a-generation opportunity to transform legacy business models to become more competitive and more resilient during economic downturns.

By integrating data, analytics, advanced …

The Unique App That Makes Financial Education Rewarding

May 31st, 2022

40:00

Capturing the attention of GenZ and digital-first consumers is an ongoing challenge. Financial well-being is a major goal for these segments … but engagement is elusive.


Zogo is an award-winning app that gamifies …

How Economic Instability Will Impact the Banking Industry

May 26th, 2022

31:04

The economic outlook for 2022 is being impacted by rapid inflation, geopolitical shocks, rising interest rates, and unemployment numbers that loom as …

How to Make ESG a Cornerstone of Your Bank’s Business Model

May 24th, 2022

45:13

More than ever, consumers want to associate with companies that are committed to environmental, social, and governance issues. This includes where they do their banking.


But, while almost every financial institution is …

How Banking Can Win Big in the Subscription Economy

May 19th, 2022

28:39

Old revenue models are dead. Financial institutions must rethink their business models and create new growth levers to be future-ready.


Subscriptions make our customers’ lives easier with the touch of a button, a …

How Banking-as-a-Service has Made Webster Bank Future-Ready

May 17th, 2022

48:37

Banking-as-a-service (BaaS) provides a great opportunity for existing financial institutions to reach a greater number of customers at a lower cost by teaming up with non-traditional financial and non-financial …

Reimagining Customer Engagement with Intelligent Texts

May 12th, 2022

39:20

Many financial institutions struggle when it comes to building engagement with customers in a timely and impactful manner. More than ever, there is a …

Banking on the Metaverse

May 10th, 2022

33:43

It’s been 30 years since the term Metaverse was coined, but big money and big hype is now making its way into daily conversations in banking and beyond.


With the convergence of hundreds of millions of people with …

Why New Banks are Taking Over the World

May 3rd, 2022

42:57

While we are not seeing the end of banking, we are observing a changing of the guard in financial services. Powered by a deluge of funding, fintech firms are altering the battlefield for customers and relationships.


7 Steps to Building a Winning Content Marketing Strategy in Banking

April 28th, 2022

45:48

Content marketing is an important part of creating a powerful experience in banking. Done well, it can help attract, inform, and engage your target …

Marcus Acquires Fintech Firms to Become Dominant Banking Power

April 26th, 2022

37:41

In the past six years, Marcus has used an acquisition strategy to create a digital platform for consumer loans, credit cards, high-yield savings, …

Low-Code/No-Code Fuels Agile Digital Banking Transformation

April 21st, 2022

35:59

Keeping pace with an increasingly changing marketplace has never been so difficult. No place is this more evident than in creating the IT solutions …

Should Bankers Fear Apple’s Future Growth Strategy?

April 20th, 2022

32:42

Bloomberg reported that Apple is launching an initiative code-named “Breakout” to bring more financial services capabilities in-house.


It is believed that Apple wants to own the entire payments supply chain, minimizing …

Reimagining The Future of Digital Delivery at Capital One

April 19th, 2022

36:23

The pandemic greatly accelerated the consumer desire to adopt digital-first banking experiences. That said, consumer preference for how to do banking has also become increasingly hybrid.


Few financial institutions have …

Using Data to Acquire, Engage and Retain Banking Customers

April 14th, 2022

36:36

More than ever, delivering banking experiences rooted in personalized engagement is an expectation from every customer. More than just a requirement for communication, financial institutions must also develop …

Simplifying Bank Marketing in the Age of Complexity

April 12th, 2022

42:44

Financial marketing has become increasingly complex as data and technology provides the opportunity for instant, personalized engagement. As consumer …

How Sofi Intends to Become the Center of the Financial Universe

April 5th, 2022

51:03

SoFi is on a mission to move beyond its roots as a direct-to-consumer fintech organization, to become a financial services platform that will enable …

Customer Identity: Balancing Security and Seamless Experiences

March 31st, 2022

28:14

In a digital world where convenience, time savings and instant access reign supreme, a physical-first banking experience is no longer the preferred option for most consumers. But how can you verify the identity of …

Can Traditional Banks Keep Up With Payments Transformation?

March 29th, 2022

42:10

The increasing scale and pace of change has been a constant characteristic of the payments landscape, driven by rapidly changing customer …

How Bank of America Personalizes Financial Wellness for 67 Million Customers

March 22nd, 2022

40:14

Financial institutions have struggled engaging consumers with budgeting and financial health tools. Bank of America's approach has been to address …

Financial Institutions Can No Longer Ignore Cryptocurrencies

March 17th, 2022

44:30

According to a report by J.P. Morgan, close to 300 banks are planning to roll out Bitcoin trading on mobile apps in the first half of 2022. Another …

Reimagining Money Experiences in Banking

March 15th, 2022

42:06

Over the past several years, my team at the Digital Banking Report has asked financial institutions globally what their primary objective was. Overwhelmingly, it has been to create better customer experiences.


The …

How to Make Banking Better in 2022

March 8th, 2022

55:10

The banking industry has never been under more pressure to change. The challenge is not whether digital transformation will occur, but whether the right priorities will be set and whether the speed of change will be …

KeyBank: Leveraging Targeted Scale for Differentiation and Growth

March 7th, 2022

40:02

Situated on the asset spectrum between large national banks and community financial institutions, regional banks face the challenge of scale to make …

The Future of Commerce Includes Digital Currency

March 3rd, 2022

40:23

Recently, NCR increased their ability to deliver a complete digital currency solution to its customers, including the ability to buy and sell …

Blockchain, NFTs, Web 3.0, and Technologies Enabling the Metaverse

March 1st, 2022

38:05

If there was any doubt about the mainstream acceptance of cryptocurrency, you didn’t need to look any further than the ads during this year’s SuperBowl, where three of the top five apps whose ads delivered the strongest …

Why AI and Machine Learning is The Future of Bank Differentiation

February 17th, 2022

34:05

Data and advanced analytics lie at the core of every financial institution wanting to build stronger engagement capabilities. Unfortunately, many organizations continue to struggle to apply data that will improve the …

OakNorth: A Blueprint for Future Bank Success

February 15th, 2022

45:01

Businesses are becoming big business in banking. Unfortunately, most businesses have trouble getting fast and flexible financing.

Founded in 2013, OakNorth is a fintech bank that focuses on making loans to small- to …

Retail Banking Trends to Watch in 2022

February 8th, 2022

43:13

The pandemic represented a tipping point for financial institutions, forcing them to accelerate digital transformation, rethink business models, and illustrate a level of empathy for employees, customers, and …

How Banks Can Create a White Label Response to BNPL Threat

February 4th, 2022

33:41

The need for quick innovation is greater than ever, with advanced, cost-effective solutions needed by legacy banking organizations to keep pace with …

Improving Financial Health for All Requires Unprecedented Action

February 1st, 2022

45:16

While government intervention in response to the COVID-19 pandemic helped many people improve their financial situations, most people in the United States continue to struggle with their financial health.


The question …

In-House Incubator Creates Innovation Within Legacy Provider

January 27th, 2022

30:15

Digital payment adoption and use has surged around the world. As a result, prioritizing payments innovation is a critical area of focus for banks, …

Nova Credit: Helping Immigrants Realize the American Dream

January 25th, 2022

37:25

More than one million immigrants arrive in the U.S. every year, and it is predicted that immigration will drive 82% of new population growth by 2050. …

Payments Innovation Drives Growth at American Express

January 18th, 2022

34:36

The future of payments includes a world where consumers and businesses can move funds to anywhere in the world, instantaneously, 24/7/365, with full …

Technology Drives the Customer Experience at Chase

January 11th, 2022

53:55

There has never been a more exciting time to leverage customer insight, technology, and an innovation culture to drive improved customer experiences …

Open Banking is the Foundation for Digital Transformation

December 28th, 2021

27:14

During the holidays, we are sharing our most popular podcasts we did in 2021 that set the stage for 2022. In this Banking Transformed podcast from …

U.S. Bank: A Case Study in Digital Banking Transformation Success

December 21st, 2021

45:43

As we enter the holidays, we are sharing our most popular podcasts we did in 2021 that do a great job of setting the stage for 2022. In this Banking …

Contextual Engagement Requires Better Use of Data and AI

December 16th, 2021

38:55

The importance of using data, analytics and advanced marketing technologies has never been greater. Consumers expect their financial institutions to …

Looking to 2022 and Beyond: New Rules for a New World

December 14th, 2021

45:30

Over the past 20 months, we have experienced personal and business transformation that has impacted every aspect of our lives. With change happening faster than ever, we are about to experience a radical new future that …

Banking Differentiation Through Relentless Innovation

December 7th, 2021

43:14

As the competitive marketplace in financial services expands and diversifies globally, it is more critical than ever for organizations to drive innovation and differentiation.


But, innovation and differentiation requires …

Designing a Future-Ready Branch Network

December 2nd, 2021

42:57

To differentiate product and service offerings going forward, legacy financial institutions must focus on building a distribution network that combines the qualities of human interaction with the power of new …

The X1 Credit Card: A Unique Option for Younger Consumers

November 30th, 2021

33:11

The X1 credit card harnesses the power of technology to offer higher credit limits, an aggressive rewards program, and unique automated features …

A Solution to Future-Proof Legacy Banking Platforms

November 24th, 2021

34:36

The importance of a digital banking platform that is flexible, powerful and affordable has never been more important. Banking organizations of all …

Square: An Increasingly Strong Player in Financial Services

November 23rd, 2021

37:42

In March of 2021, Square Financial Services officially launched its bank after receiving its Industrial Loan Company license from the FDIC a year prior. The Salt Lake City-based bank, is owned by Square, a fintech worth …

Masterclass in Innovation, Transformation and the Future of Banking

November 16th, 2021

53:12

Every financial institution must evaluate how to adapt technology strategies to support business change, operational resiliency and digital response. …

Digital Core Transformation as a Catalyst for Success

November 11th, 2021

44:16

Most core banking operations run on aging platforms that were deployed in the 1980s and 1990s. These platforms are either homegrown or heavily customized since their origination.

The needs of the digital consumer and …

The Business Case for Financial Inclusion in Banking

November 9th, 2021

38:43

Recent events have put a spotlight on the urgent need for financial institutions to advance financial inclusion initiatives. Beyond responding to …

How Data, Speed and Simplicity Can Drive Loan Growth

November 4th, 2021

34:37

In lending, the best offer usually wins. While some consumers still make the decision based on rate, an increasing number base their borrowing decision on the speed and simplicity of the process.

S&P Global Market …

The Power of Data, Analytics and the Cloud in Bank Marketing

November 3rd, 2021

43:42

The banking industry is in the midst of an exciting revolution in which power has shifted from the financial institution to the consumer. Consumers …

Building an Emotional Connection in Banking

October 26th, 2021

50:00

With consumers spending an average of 7.5 hours a day on various media platforms, ‘convenience’ in banking must now expand beyond store-centric factors to delivering digital convenience, with speed, simplicity, and …

Modernizing Complex Banking Customer Engagements

October 21st, 2021

27:24

An important component of digital banking transformation is to be able to improve efficiency and productivity in your organization while also helping employees to serve customers better.


With complex customer …

The Rise of Technosocialism: An Opportunity of a Lifetime

October 19th, 2021

52:25

The premise of the book, The Rise of Technosocialism, is that mankind is coming to a fork in the road. Climate change, emerging artificial intelligence, social and economic upheaval, and the clash between patriotic …

5 Keys to a Successful Data-Driven Strategy in Banking

October 14th, 2021

42:54

As a financial institution is preparing to engage in a data-driven strategy, where do they begin? First, it’s important to understand that data …

Smaller Banks Risk Losing Digital Customers

October 12th, 2021

41:12

According to a recent Harris Poll, 40% of respondents said they are likely to leave their primary financial institution for digital banking that …

The Need to Create Differentiated Digital Banking Experiences

October 7th, 2021

37:25

Capco recently published research offering insights into how banks can modernize their digital banking experience to include the personalization customers expect and prefer.

The study finds that regardless of age, over …

Buy Now, Pay Later: A Digital Solution to an Age Old Problem

October 6th, 2021

36:48

With consumers strapped for cash during these turbulent times, traditional and non-traditional financial firms are expanding financing options to …

The Great Banking Debate Rewind

October 5th, 2021

50:27

Recently, I had the opportunity to join Ron Shevlin in a unique debate on the future of financial services. Refereed by Jason Henrichs, the CEO at Alloy Labs Alliance, this debate was done in the style of championship …

Mastering Quantum Marketing in Banking

September 28th, 2021

59:40

Marketing is at the center of a massive transformation, driven new technologies, real-time data analytics, and major scientific advances that will …

Digital Banking Pioneer Shares Secrets of Success

September 21st, 2021

38:31

What can legacy financial institutions learn from the first online-only bank? Founded in 1999, First Internet Bank reimagined the traditional banking model as the first state-chartered, FDIC-insured institution to …

How to Create an Inclusive Digital Experience

September 16th, 2021

40:48

Inclusive and accessible digital experiences are more important now than ever before.

61 million adults in the US live with a disability and the …

The Importance of a Challenger Mindset

September 14th, 2021

40:22

What makes a fintech firm or challenger bank different from a legacy financial institution? Is it the products offered or the digital platform? Or is it deeper than that?

In discussions with dozens of fintech …

The Increasing Need for Talent, Inclusion and Diversity in Banking

August 31st, 2021

43:28

As more companies navigate the return-to-office movement, management teams are faced with an increased urgency of finding, training and retaining quality talent while also creating an inclusive environment for hybrid …

Creating Lovable Experiences Through Innovation Simplicity

August 24th, 2021

27:39

Historically, the banking industry viewed innovation as a way to add more to a product or service. The focus was often on technology, competitive …

What Happens When Every Brand is a Bank?

August 17th, 2021

36:04

Embedded finance enables businesses to seamlessly integrate financial services into their business models, providing banking, credit, payments, or other services — efficiently and at the consumer’s point of need.


Bitcoin: The Next Battlefield for Retail Banking Customers

August 10th, 2021

31:43

Bitcoin is taking another step toward mainstream adoption, as customers of some U.S. banks will soon be able to buy, hold and sell bitcoin through …

How Innovation Can Accelerate Digital Transformation

August 4th, 2021

40:11

Leveraging modern technology, data, analytics and digital distribution, market leaders can use innovation to support new business models and create …

Digital Transformation: Not Just for Big Banks

July 29th, 2021

42:57

Research shows that the biggest banks and fintech firms are doing best at delivering digital experiences, while smaller banks and credit unions often struggle.


How can mid-tier organizations keep pace with consumer and …

Winning the Battle for Trust Against Fintech Firms

July 27th, 2021

43:25

According to a recent study from Ernst & Young, 37% of consumers now say a FinTech firm is their most-trusted financial services brand, compared with 33% who name a bank as their most-trusted brand. More concerning …

Differentiation Requires Personalized Digital Banking Experiences

July 20th, 2021

31:56

Consumers have grown to expect personalized digital experiences across all channels and throughout the entire customer journey. Much more than just good targeting for offers, organizations need to engage contextually, …

LendingClub is Well Positioned for Future Growth

July 13th, 2021

37:41

In February of this year, LendingClub closed the acquisition of Radius Bank, becoming a full-spectrum fintech marketplace bank and among the first …

Why a Big Bank Executive Jumped to a Digital Credit Union

July 6th, 2021

37:53

Founded in 1935, Alliant Credit Union was created to serve the employees of United Airlines. With most members traveling across the globe, the top 10 credit union had far fewer branches than other firms its size. Today, …

Bad Data Sells, Better Data Serves

July 1st, 2021

37:04

More than ever in the past, data and applied analytics is being used to transform business models and create more personalized, streamlined experiences tailored to the needs and preferences of consumers and businesses …

How Microsoft Embraced Data Transformation

June 29th, 2021

46:52

Data is the foundation for the entire digital transformation process, allowing organizations to make better real-time decisions and enable the movement from being product-led to being experience-led organizations.


Firms …

Keys to Success for Community Banking

June 22nd, 2021

43:56

At a time when the competitiveness in the banking industry is more intense than ever, and the need for digital transformation has never been greater, is the viability of smaller community organizations at risk? Is there …

Turning Market Disruption Into Innovation Opportunity

June 15th, 2021

34:45

McKinsey found that 90% of executives “believe that the COVID-19 crisis will fundamentally change the way they do business over the next five years.” Unfortunately, only 21% “feel confident that they are prepared to …

How Banking Can Thrive in a Post-Pandemic Reality

June 8th, 2021

41:39

The pandemic disrupted the entire planet, changing consumer behavior, altering business and government assumptions, and dramatically impacting business plans. The future is still unclear, but the opportunities (and …

Driving Digital Sales in Financial Services

June 1st, 2021

49:33

The way people and businesses shop for and buy financial services has been altered dramatically since the pandemic. No longer needing to go to a physical location, consumers can do their research, purchasing and ongoing …

The Importance of a Modern Banking Platform

May 27th, 2021

39:09

Modern technology is providing institutions with opportunities that expand well beyond traditional financial services. As part of digital banking …

The Evolution of the Branch Strategy at Citi

May 25th, 2021

39:43

The pandemic has caused many banks to rethink their branch network strategy. For banks to be positioned for a future that includes greater reliance …

Using Data and Insights to Drive Growth in Banking

May 18th, 2021

33:08

What is the foundation used to drive growth in an financial institution? If it's not data - it should be. Banks and credit unions have a wealth of …

The Future of Payments is Fast, Seamless, Safe and Embedded

May 13th, 2021

38:42

Before the rise of PayPal, Venmo, and dozens of other new payment solutions, banks didn't look at the payments function as an epicenter for …

What Defines a Digital Banking Winner?

May 11th, 2021

37:51

Despite increased investment in digital initiatives, financial institutions continue to be concerned that they are falling behind with digital transformation efforts that are needed to build real, long-term competitive …

The History of Fintech Transformation

May 4th, 2021

45:25

In 2009, Shamir Karkal and several colleagues created the first digital-only bank of its kind in the U.S. Struggling to describe the benefits of a …

The Importance of Global Payments Functionality

April 29th, 2021

31:02

Competition in the financial services sector has never been more intense. Banking boundaries, that once were defined geographically, have expanded …

Improving Customer Experiences With Alternative Data

April 27th, 2021

41:34

In order to survive in an increasingly competitive market, financial organizations must be able to correctly identify consumers to streamline the account opening and credit application processes. This includes those …

Is the Future of Community Banks at Risk?

April 20th, 2021

40:35

Some experts predict the demise of community banking organizations, that are challenged by changed consumer behavior, outdated infrastructure, an …

Winning in a World of Digital Giants

April 13th, 2021

40:52

The marketplace is being disrupted by firms that were built on digital platforms. Their agility, foundation of data, analytics and modern technology …

Secrets of a Rockstar Chief Digital Banking Officer

April 6th, 2021

46:31

More than at any time in the past, the largest banks in the U.S. have capitalized on their customers’ increased willingness to use digital financial services. U.S. Bank, the sixth largest bank in the country, has been …

Innovation in Digital Account Opening and Onboarding

April 1st, 2021

38:39

Consumers are shopping for products and services, opening accounts, and building relationships using the channels they prefer. More than ever before, this is done on a mobile phone or online.


The only way to support new …

Digital Banking Transformation During Uncertain Times

March 30th, 2021

47:22

Companies that use disruption as an opportunity for innovation emerge from it stronger, while companies that merely attempt to 'weather the storm' until things go back to normal miss an opportunity to thrive.


Rethinking the Future of Distribution

March 25th, 2021

37:59

Banks and credit unions are rethinking their distribution strategies as more people than ever are using digital channels. Despite this shift, closing all branches is not the best alternative. Neither is keeping them all …

Speed, Simplicity and Empathy Drive CX in Banking

March 23rd, 2021

45:43

The majority of financial institutions rank improving customer experience as their top mission, but few organizations get rave reviews. In fact, …

The Business Case for Sustainability and Doing Good

March 16th, 2021

42:38

Doing good for the community, employees and customers goes well beyond philanthropy. Organizations need to look within to embed sustainability and social responsibility strategies into their business model, their …

How to Compete for Buy Now, Pay Later (BNPL) Customers

March 9th, 2021

34:52

Buy now, pay later (BNPL) solutions have grown in prominence as new players and payments incumbents are battling for market share. This includes …

The Rise of Big Tech Platforms in Banking

March 2nd, 2021

27:55

The pandemic has served to accelerate the relevance and importance of open banking as consumers become more willing to try alternative banking providers to get their digital banking needs met. At the same time, there …

The Product Expansion Strategy of Marcus by Goldman Sachs

February 23rd, 2021

34:41

Over the past year, Marcus by Goldman Sachs has continued to expand offerings, including teaming up with Amazon and Walmart to offer loans to sellers …

The Power of a Data-Driven Culture at TD Bank

February 16th, 2021

45:22

One of the biggest problems facing legacy banking organizations today is leveraging data and advanced analytics to drive digital transformation, …

Digital Transformation Success at a $60 Billion Bank

February 9th, 2021

37:01

According to the Digital Banking Report, the top priority of the majority of financial institutions is to advance digital transformation. But what is …

Google: Friend or Foe to Legacy Banks?

February 2nd, 2021

38:13

Late last year, it was announced that Google Pay will partner with legacy financial institutions in the development and distribution of checking accounts through a new service called Google Plex. In addition, Google …

Personalized Videos: The Future of Customer Engagement

January 26th, 2021

38:33

As a result of the pandemic, people were forced to adopt digital alternatives to their traditional way of doing banking. This shift was not always …

How to Win in the Experience Economy

January 19th, 2021

37:24

How can organizations compete for customers, time, attention and money in an increasingly digital world where time is limited, attention is scarce and the ability to genuinely engage with consumers has become more …

What's Next: 2021 Banking and Fintech Trends to Watch

January 12th, 2021

49:07

The pandemic changed the business landscape for all industries … possibly none more dramatically than financial services. Already being impacted by non-traditional players, financial institutions needed to shift in an …

How to Build the Best Mobile Banking App

January 5th, 2021

35:09

Mobile banking usage is rising quicker than ever as a result of the pandemic. With close to 50% of consumers stating that mobile is a top-three …

Keys to Successful Leadership in the Future

December 29th, 2020

42:09

Research from the Digital Banking Report has found that the biggest barrier to successful digital transformation is legacy leadership and culture …

Digital Banking Transformation Never Stops at Chase

December 22nd, 2020

42:17

As the largest U.S. bank, Chase is committed to a strong multichannel strategy, building new branches while also being a leader in digital banking …

Tinkoff: Russia’s Challenger Bank of the Future

December 15th, 2020

47:02

Founded in 2006, Tinkoff is Russia’s largest online challenger bank offering a huge range of services, including mobile personal and business accounts, investment and insurance products, as well as being Russia’s …

Starling: Not Your Typical Challenger Bank

December 8th, 2020

40:09

We have had the opportunity to interview many fintech start-ups and challenger banks on the Banking Transformed podcast. None are like Starling Bank.


First of all, Starling was founded by a woman with a legacy banking …

How Will Banking Evolve as We Enter 2021?

December 1st, 2020

36:05

When COVID-19 hit, the banking industry was caught off-guard, needing to provide financial services without physical structures, deliver relief to consumers and small businesses in ways never imagined, accelerate …

Closing the Gender Gap in Banking and Fintech

November 24th, 2020

31:57

Banking has historically been an industry founded by men, run by men, with products created for men. Recently, progress has been made, but the gender bias in banking still runs deep. Surprisingly, this same bias exists …

Delighting Customers by Removing Friction from Banking

November 17th, 2020

40:54

The best way to increase sales, loyalty and customer satisfaction is to reduce the effort needed to proceed along the customer journey. Jeff Bezos said, “When you reduce friction – make something easy – people do more …

Building a Culture of Innovation in Times of Crisis

November 10th, 2020

34:28

The outbreak of the COVID-19 posed great challenges to the global economy and people’s daily lives, and has had far-reaching consequences beyond the spread of the disease. It has changed the way consumers perform …

Banking Can't Ignore The GenZ Potential

November 3rd, 2020

49:48

While almost every financial institutions wants to market to, and build relationships with, the Gen Z consumer, few organizations understand who the Gen Z consumer is, what they want from a brand, how to market to them, …

The Future of Banking Starts Now

October 27th, 2020

41:54

Before the pandemic, digital transformation was optional for many organizations. When COVID-19 took hold, necessity dictated that all organizations …

WeBank: The Most Advanced Digital Bank in the World

October 20th, 2020

36:31

When you think of global leaders in digital banking, the conversation must start with Tencent-backed WeBank, the first digital-only bank in China. Launched at the end of 2014, WeBank has experienced astounding growth, …

The Role of Banking in the Future of Digital Identity

October 13th, 2020

36:38

According to a recent survey by Deloitte, nearly two-thirds of respondents said that global digital identity will be very important in the future despite the fact that digital IDs are still largely underused in the …

Can Two Legacy Banks Become a Digital Banking Leader?

October 7th, 2020

31:51

In late 2019, BB&T and SunTrust combined to become the 6th largest bank in the country, serving 10 million households. Looking at the strategic …

OCC Provides Path For Banking Revolution

October 6th, 2020

49:33

In May of this year, Brian Brooks took office as Acting Comptroller of the Currency (OCC). During his short tenure, Brooks has already made …

Jumpstarting Your Career During a Pandemic

September 29th, 2020

38:02

There has never been a more important time for executives to evaluate their position in the marketplace and to determine their future path to personal and professional success. No matter what your position in an …

Most Digital Lending Not Ready for Prime Time

September 25th, 2020

33:28

In a post-COVID world, financial institutions must deliver innovative credit options, on-demand, in an almost instantaneous manner. To accomplish this feat – which had previously only been offered by fintech firms – …

How to Build a Digital Banking Lifestyle ‘Super App’

September 22nd, 2020

38:31

Dubai-headquartered Emirates NBD has the distinction of being a legacy bank fully committed to innovation, digital transformation and …

Dave: A Digital Banking Platform for the Underserved

September 15th, 2020

26:38

Even before the pandemic, there was a financial crisis where many consumers had difficulty making ends meet, causing missed monthly payments or …

BankMobile: From Fintech Bank to TechFin Platform

September 8th, 2020

45:40

In 2014, BankMobile was launched as a division of Customers Bank. As opposed to relying only on organic growth, BankMobile quickly grew with a B2B2C …

Varo: The First Nationally Chartered Fintech Bank

September 1st, 2020

31:04

Until recently, fintech firms have usually partnered with traditional banks to provide banking services as opposed to going through the lengthy and costly process of getting their own bank charters.


Breaking away from …

Wealthfront: Transforming From a Robo-Advisor to a Digital Bank

August 25th, 2020

44:14

The battle to become the primary financial relationship for consumers continues to intensify, with the lines blurring between traditional banks, digital banks, robo-advisors and tech firms offering financial services.


Financial Marketing Takes Center Stage

August 18th, 2020

31:42

The Digital Banking Report has just completed research on the impact of the pandemic on financial marketing. We found that changes in almost every area of financial marketing were more dramatic than in any of the …

How COVID-19 Redefined Consumer Expectations in Banking

August 11th, 2020

37:58

While COVID-19 forced people into a digital-only lifestyle, there was still a desire for humanized experiences. Some banks and credit unions were prepared to deliver these personalized digital engagements, while others …

The Power of Social Media Influencers in Banking

August 4th, 2020

33:09

In a world impacted by COVID-19, brand recognition and authenticity have never been more important, while the reach of traditional marketing channels continue to erode. This is where influencer marketing can help.

With …

COVID-19 Provides Wake-Up Call for Cloud Banking

July 28th, 2020

43:52

The COVID-19 crisis has put a spotlight on the outdated tech infrastructures of many traditional financial services companies. As cloud computing has matured, banks and credit unions have hesitated to embrace the …

What Makes Navy Federal a Perennial CX Leader?

July 21st, 2020

30:02

With an immediate shift to a work-at-home reality and increased use of digital channels, organizations need to think beyond immediate operational challenges, anticipating consumer’s need for increased emotional …

Challenger Bank Grows by Supporting Financial Inclusion

July 14th, 2020

29:09

Most traditional banks were unprepared for the flight to digital that occurred due to COVID-19. Mobile-only challenger bank Current has seen customer growth skyrocket during the pandemic, appealing to lower-wage earners …

CaixaBank: Innovation Drives Digital Transformation

July 7th, 2020

35:44

At no time has the importance of innovation and the deployment of advanced technologies in banking been more evident than today. With more consumers …

How Citi Maintains Customer Loyalty During a Pandemic

June 30th, 2020

31:26

COVID-19 has had an immediate impact on loyalty and reward programs due to the unprecedented period of low travel and entertainment. As people stopped flying, staying in hotels, and eating out, loyalty programs had to …

Marcus by Goldman Sachs: Digital Banking Built for the Consumer

June 23rd, 2020

33:46

Many fintech firms struggle to gain scale, funding and brand recognition in an increasingly crowded banking ecosystem. Leveraging the power of …

Four Seismic Shifts That Are Changing Banking

June 16th, 2020

38:16

The banking industry had been warned for decades to become more innovative, transform to digital, embrace new technologies and become more aware of …

Banking Must Move Beyond Rhetoric On Social Issues

June 9th, 2020

34:38

The world is faced with uncertain times caused by the global pandemic combined with demands for increased equality, diversity and inclusion. Beyond …

Is There a Fintech Fallout on the Horizon?

June 2nd, 2020

30:57

In the past decade, the marketplace has seen the development of more banking competitors than in the previous hundred years. From solution specific …

Why COVID-19 Will Stimulate Innovation in Banking

May 26th, 2020

38:11

The COVID-19 crisis has impacted both humanity and business in an instantaneous and dramatic way. But, while each pandemic throughout history has been unique, each has brought about massive changes in the way we live, …

Data and Advanced Analytics: A Key to Survival

May 19th, 2020

1:01:46

Data and advanced analytics are the foundation of every organization. Beyond improving efficiency and understanding business success, the power of data and predictive modeling can improve the understanding of consumer …

Leadership Excellence in Crisis: An Interview with Tom Peters

May 12th, 2020

42:20

The best and most respected leaders shine the brightest during times of crisis. Not relying on a crisis management plan, the best managers surround themselves with the best people and provide a platform for growth for …

How Fintech Unicorn Lemonade is Disrupting Insurance

May 5th, 2020

41:28

The financial services industry is known for century-old institutions with rules and policies that are often outdated, yet preserved by regulations. …

COVID-19 Impact on Future of Retail Banking

April 29th, 2020

38:44

The COVID-19 pandemic is the most serious challenge to retail banking in almost a century. Retail banks have had to rethink distribution, support government relief programs and manage remote workforces, all while trying …

The Digital Banking Tipping Point

April 28th, 2020

36:14

According to Malcolm Gladwell, a ‘tipping point’ is the moment of critical mass, when an idea, trend or behavior crosses a threshold and spreads like …

COVID-19 is Fast-Tracking Digital Transformation

April 21st, 2020

49:03

In the book, 'Disrupt Yourself', by Whitney Johnson, it is suggested that the disruptions and changes that matter most start with personal disruptions and change. There is no doubt that the COVID-19 crisis has disrupted …

The Future of Work Post COVID-19

April 15th, 2020

37:57

After COVID-19, the world around us will be changed forever. In a matter of weeks, working from home has become the norm, not the exception. The virus has forced a reckoning of how we view work, travel, engagement with …

Financial Irrationality During COVID-19 Crisis

April 14th, 2020

30:42

Despite the best intentions, consumers do not always act rationally with regards to money management. While we all know that we should limit debt and …

Building a Culture-Driven Virtual Bank

April 7th, 2020

28:03

I had the unique opportunity to visit WeLab as part of my visit to China in early January. WeLab uses proprietary risk management technology and …

Banking Must Improve Financial Wellness For All

March 31st, 2020

35:24

According to the 2019 U.S. Financial Health Pulse report, less than 30% of Americans could be considered financially healthy, with millions of …

COVID-19 Will Change the Way Consumers Bank Forever

March 26th, 2020

33:47

The number of bank branches and the number of people visiting bank branches has been decreasing for years. As a result of recent events, many …

Organizations Should Double Down on Innovation Now

March 25th, 2020

33:06

The push for digital banking amid the growing emphasis on social distancing has put a spotlight on those organizations that have lagged behind the marketplace with digital delivery and digital transformation. But, can …

Marketing During Times of Disruptive Change

March 24th, 2020

35:33

The marketing profession has moved from art to science, with the use of new technologies powered by artificial intelligence (AI), with a level of …

How AI Can Revolutionize Banking

March 17th, 2020

36:18

Financial institutions that are leaders in the use of data and AI are quickly differentiating themselves in a marketplace that puts a premium on data-backed decisions and intelligent interactions.

 

AI brings the …

Globalization of Fintech and Banking in the Age of Disruption

March 10th, 2020

34:28

The marketplace is in a state of confusion and disruption as the coronavirus outbreak impacts the banking ecosystem and all industries worldwide. Changing valuations and funding options for legacy and non-traditional …

Transforming Customer Experiences with Personalization

March 3rd, 2020

36:20

In a digital world, consumers want experiences that are highly personalized and contextual. From the way they search to the way they shop, view content or do banking, consumers expect organizations to know them, look …

The Importance of Attracting Rebel Talent

February 25th, 2020

30:21

Traditional organizations find rebels to be disruptive troublemakers who make processes and decisions more difficult. Legacy organizations that are …

Why Digital Transformations Fail

February 18th, 2020

33:15

Digital transformations have an exceeding high failure rate despite being one of the most important components of a firm's long-term survival. Digital transformation requires must more than just a flashy mobile app or …

Cultivating a Disruption Mindset

February 11th, 2020

28:59

We have often discussed the correlation between innovation and digital transformation, and the positive impact on consumer satisfaction, investment …

China: Emergence of a Tech and Innovation Superpower

February 4th, 2020

42:55

The debate about what city is the fintech capital of the world continues, as more players enter the market and more money is invested into the very active fintech ecosystem. Is the fintech capital London, New York, the …

The Chinese Fintech Revolution

January 28th, 2020

45:39

China is quickly becoming home to the largest fintech ecosystem in the world, benefiting from historically low use of traditional banking, high smartphone penetration, a changing demographic and a consumer acceptance of …

Current State of Digital Banking Transformation

January 21st, 2020

32:33

Digital Banking Report has just released a study on the current state of digital transformation in the banking industry. This research not only looks at the digital transformation maturity of banking today, but also the …

The Technology Fallacy

January 14th, 2020

30:44

A great deal of recent research finds that simply buying the best or newest technology will not create digital transformation success. Beyond …

Banking Distribution Strategies for the Next Decade

January 7th, 2020

28:35

The ability to compete in the future will require new systems, new processes and a new culture. One option is to build a successor bank that would be …

How to Win Tomorrow's Digital Consumer

December 31st, 2019

26:58

Consumers insist on experiences that are personalized, friction-free and that make their lives easier. It’s no longer enough for organizations to state they are making improved customer experiences a priority. The …

Biggest Fintech Winners of 2019

December 24th, 2019

30:43

Automation and digital technology aimed at improving financial services continues to impact the banking ecosystem. From mobile payments to digital …

The Future of Fintech Investments

December 17th, 2019

24:12

After a record-breaking 2018, fintech investment activity continues strong in 2019, as new start-ups take aim at traditional banks and credit unions that are slow to update back offices, change outdated business models, …

The Importance of Customer Success Management

December 10th, 2019

29:57

Buying the right technology solution is only the beginning of the digital transformation journey. Organizations need onboarding support from …

Keys to Becoming a Digital Bank

December 3rd, 2019

34:30

Digital transformation in banking cannot occur without rewiring back-office processes, including streamlining operations and integrating data sets. But the most important transformation that must occur is with the …

Reinventing the Customer Experience in a Digital World

November 26th, 2019

26:50

Organizations in all industries need a new operating model that puts the customer’s needs at the center of all digital transformation strategies. This can be achieved by redesigned customer journeys, new products and …

The Power of Design in Digital Transformation

November 19th, 2019

25:19

Digital transformation is a challenge for organizations due to legacy infrastructure, internal silos, lack of a clear vision and resistance to change. Design thinking can help firms overcome many of these challenges, …

AI and the VoiceFirst Revolution

November 12th, 2019

29:48

The power of voice-based interactions has grown exponentially with the addition of always-on systems, combined with advanced analytics (AI), …

One-on-One With Steve Wozniak

November 7th, 2019

9:15

A Silicon Valley icon and philanthropist, Steve Wozniak helped shape the computing industry by co-founding Apple Computer with Steve Jobs in 1976. …

Personal Growth During Times of Digital Disruption

November 5th, 2019

26:06

Digital disruption is impacting today's worker more than ever, with sociologists believing that today's worker will need to 'reinvent themselves' …

Principles of Becoming an Algorithmic Leader

October 29th, 2019

26:00

Digital transformation is not as much about technology as it is about the leadership and cultural changes that are required to respond to a new …

The Power of Open Innovation Platforms

October 22nd, 2019

25:23

Every financial institution is looking for the next ‘big idea’ or ‘next generation’ digital app that will differentiate an organization by making banking easier and deployment of products and services less costly. With …

A Practitioner’s Guide to Digital Transformation

October 15th, 2019

28:07

Many people talk about digital transformation in financial services, but few have actually built a digital banking organization from the bottom up. What are the strategies and components of success? What are the …

How Mobile Drives Digital Transformation

October 8th, 2019

32:22

Mobile initiatives are aligning with emerging technologies to become the centerpiece of most enterprise-wide digital transformation efforts at banks …

Building One to One Digital Relationships

October 1st, 2019

32:52

It is imperative to build and maintain a customer-centric business during periods of digital transformation. To accomplish this, firms must focus on …

A Futurist's View of Banking and Technology

September 24th, 2019

31:13

Digital disruption is occurring globally, impacting not only the way products and services are consumed, but how they are marketed and delivered …

It's Time to Rethink the Innovation Process

September 17th, 2019

21:00

The future of innovation is not defined by technology. Innovation is defined by doing something new and different that works. Organizations hoping to …

The Magic of Digital Transformation at Disney

September 11th, 2019

13:24

Disney is a great example of an organization that has changed tremendously through the years, leveraging data and new technology without forgetting …

Contextual Data is Changing the Future of Banking

September 3rd, 2019

27:34

The financial services industry has seen a great deal of disruption from digital-based alternatives. Many of these challengers use advanced …

How to Humanize Digital Experiences in Banking

August 13th, 2019

19:35

In a digital world, consumers can acquire enough information about a product or service on a smartphone or online to make a purchase decision without ever asking a question of a customer service representative or …

Status Quo is Not an Option

August 13th, 2019

10:26

Gary Vaynerchuk (Gary Vee) is a serial innovator, social media icon, chairman of VaynerX, and the active CEO of VaynerMedia. He wants you to have a proactive approach to marketing and be willing to disrupt yourself to …

Leadership Lessons for Bankers from the Former CMO of Kodak

June 10th, 2019

12:51

In this exclusive interview, Jeffrey Hayzlett, the former CMO of Kodak, discusses the importance of strong leadership, the need for a well-defined …

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