Banking Transformed with Jim Marous

Most banks and credit unions say growth is the top priority heading into 2026.

At the same time, fintechs are winning the relationships that drive future deposits, payments, and engagement.

In this episode, Lee Wetherington from Jack Henry joins me to break down the findings from their 2026 Strategic Benchmark Study and explain why many financial institutions still struggle to act on signals already sitting in their own data.

We discuss silent attrition, payment flow analytics, Gen Z deposit growth, AI investment priorities, and why payments have become the control point in the customer relationship.

This conversation is not just about technology. It’s about how the game of banking is changing.

This episode is sponsored by Jack Henry®. At Jack Henry, we believe the world is a better place with community and regional banks and credit unions. For 50 years, we’ve put financial institutions at the center of our modernization. We’re here to help you innovate faster, differentiate strategically, and compete successfully – with one goal in mind: to improve the financial health of the people you serve.

To learn more about the findings discussed in today's episode, download the full Strategic Benchmark study here: https://discover.jackhenry.com/strategy-benchmark-study-2026

Subscribe to Banking Transformed for new episodes published multiple times weekly.

#BankingTransformed #Banking #DigitalBanking #Fintech #AIinBanking #Payments #BankStrategy #CustomerExperience #FutureOfBanking #GenZBanking

If you earned your marketing degree more than five years ago, you are already playing catch-up. Most banks are mailing in their response to AI.

I break down the four AI moves the best banking marketers are running now: targeting that finds micro-cohorts of one, personalization built around the customer instead of the account, predictive analytics that tie marketing to revenue, and whether AI search tools even mention your bank. Each move draws on Banking Transformed interviews with Raja Rajamannar of Mastercard, Andrea Brimmer of Ally, and Olly Downs of Curinos.

Using AI is no longer the goal, because every bank will get that far. The marketers who win refuse to mail it in and build something a competitor cannot copy. AI marketing has no finish line.

Hosted by Jim Marous, Co-Publisher of The Financial Brand, Owner and Publisher of the Digital Banking Report, and host of the Banking Transformed podcast.

#BankMarketing #AI #marketing #Banking #BankingTransformed #FinancialServices

Most banks still treat AI as a faster way to do the same work. Citibank believes the entire operating model of banking is about to change.

Recorded live at the Financial Brand Forum, Driss Temsamani, Head of Digital at Citi and author of The Agentic Bank, explains why the next phase of AI is not about chatbots or isolated use cases. It is about rebuilding how banks deploy software, organize teams, serve customers, manage operations, and create decisions at scale.

We discuss why software development costs are collapsing, why subject matter expertise becomes more valuable in an AI-driven organization, how agentic systems could reshape customer engagement, and why technologies like blockchain may become foundational to the future of financial services infrastructure.

This conversation goes well beyond automation. It looks at what banking may become once intelligence is embedded into every part of the organization.

Hosted by Jim Marous, Co-Publisher of The Financial Brand and Owner and Publisher of the Digital Banking Report.

#Banking #AI #AgenticAI #DigitalBanking #BankingTransformed #Citi #Fintech #CustomerExperience

Banks are collecting more customer data than ever before. Yet most institutions still do not understand the customer any better.

In this Banking Insights episode, I explain why that gap is widening, what Bank of America has built with Erica over 3.2 billion conversations, and why the real advantage in banking is shifting from collecting information to learning from it in real time.

Drawing from my conversation with Jorge Camargo, Head of Digital Platforms at Bank of America, I explore why most personalization strategies still fail, why transaction histories are not customer insight, and why the institutions that win will be the ones that ask better questions and act on what they learn.

#Banking #DigitalBanking #AI #CustomerExperience #BankingTransformed #Fintech #Erica #BoA

Most banks still treat AI as a chatbot or efficiency tool. Bank of America built something much bigger.

In this live conversation from the Financial Brand Forum, Jorge Camargo, Head of Digital Platforms at Bank of America, explains how Erica evolved from a simple virtual assistant into infrastructure supporting 65 million clients across consumer banking, wealth management, and treasury services. Today, Erica is becoming the foundation for how Bank of America approaches agentic banking.

We discuss what 3.2 billion customer conversations revealed about consumer behavior, why proactive engagement matters more than reactive service, and how Bank of America is moving from AI as a destination to AI embedded throughout the customer experience.

Hosted by Jim Marous, Co-Publisher of The Financial Brand and Owner and Publisher of the Digital Banking Report. Subscribe to Banking Transformed for new episodes multiple times each week.

#Banking #AI #AgenticAI #DigitalBanking #BankingTransformed #BankofAmerica #CustomerExperience #Fintech