Evergreen Podcasts

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Business

Business

Updated Semiweekly
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Comedy

Updated Weekly
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Books

Updated 2025-05-06
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History

Updated 2024-12-23
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Personal Journals

Updated Weekly
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Politics

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Film Reviews

Film Reviews

Updated 2024-12-05

5d ago

TIFU by identifying my friend's father's penis and ruining dinner

Tired of ads? Listen early and ad free by becoming a member for as little as $1.99/month: patreon.com/rrshow. This week on The RR Show: TIFU by identifying my friend's father's penis and ruining dinner - by givemethatllamaback TIFU by offering drugs to a child in uniform - by sandbag747 TIFU picking up the wrong person from the airport and getting pulled over at gun point by the Police. TIFU by telling someone he had something on his trailer dragging - by kaz_54 TIFU by wearing my late grandfather's shoes to a job interview - by WinterRuff Complete our survey and enter to win a $50 gift card: https://www.surveymonkey.com/r/CCXFNC6 Learn more about your ad choices. Visit megaphone.fm/adchoices
3d ago

Your Rewards Program Secret Weapon

The most valuable thing a rewards program does has almost nothing to do with the reward. Bank of America reopened its rewards program this year and has enrolled more than five million people since May. Jim Marous opened a checking account at one of its branches specifically to hear how the associate would explain it, and what he got was not a product pitch. The program gave that employee a legitimate reason to talk about his whole relationship with the bank, what he would receive right away, and what would change if he brought more of his banking over. That conversation, rather than the cash back, is the part a community bank or credit union can learn from. The episode looks at why most programs cannot have that conversation. The average customer now keeps deposit accounts at three different institutions, and one in five moved money away from their primary institution in the previous three months. Under a typical tiered construct, 80% of customers account for only 14% of deposits, so most of the book sits outside anything the institution would call premium recognition. Jim frames the design problem as a door and a ladder: the door decides who gets in at all, the ladder tells them where they can go next, and most institutions put the hurdle at the door and build nothing above it. He also takes on the affordability objection directly, separating merchant-funded offers from the debit interchange exemption, and he shows what a useful relationship conversation sounds like in three sentences. The episode closes with four decisions any institution can make, including one that costs nothing: deciding which group of customers you will recognize automatically, because of who they are rather than what they hold. Research from Curinos, J.D. Power, PYMNTS Intelligence and the Federal Reserve, with examples from Bank of America and PNC, and material from Jim's interview with Shikha Narula, Head of Consumer Deposits and Rewards at Bank of America. About: Banking Transformed is hosted by Jim Marous, top five banking industry influencer and Co-Publisher of The Financial Brand. Banking Insights episodes deliver the most important strategic ideas in ten minutes, for the executive who wants the takeaway without the deep dive. Subscribe to the Digital Banking Report at digitalbankingreport.com.
Sep 7

I staged a robbery to steal from the store where I work

Tired of ads? Listen early and ad free by becoming a member for as little as $1.99/month: patreon.com/rrshow. This week on The RR Show: I staged a robbery to steal from the store where I work - by ThrowWAYaway2422 I lied to a blind neighbor and told him I moved away My friend gave me a pet who died in the next day. I never told him and I pretend to have the same pet. - by napstq My mom has secretly been ruining all my relationships and I only figured it out recently. - by Mundane_Mushroom_122 When I was a kid (11 and younger), I vandalized my primary (elementary) school numerous times. - by Ajwuvsu I used the gas card of an old job for 3 years to fuel up my car Complete our survey and enter to win a $50 gift card: https://www.surveymonkey.com/r/ Learn more about your ad choices. Visit megaphone.fm/adchoices
4d ago

Bank of America's Loyalty Rewards Reset

Bank of America dropped the $20,000 minimum. 5 million clients enrolled. For most of the last decade, a large bank rewards program was something a client earned their way into. Bank of America’s preferred rewards program required $20,000 in balances, making loyalty a benefit of affluence rather than a feature of everyday relationships. BofA Rewards moved the entry point to any eligible checking account, making 30 million clients eligible immediately. More than 5 million have enrolled since, with 1.5 million of those in the first month. Shikha Narula, Head of Consumer Deposits and Rewards at Bank of America, joins Jim Marous to explain why checking was the non-negotiable anchor, how the higher tiers were made better rather than diluted, and why the lifestyle benefit threshold came down from $1 million in assets to $100,000. She also details what a primacy shift actually looks like in the data: direct deposits moving over, more card transacting, and a change in the top-of-wallet card. The most useful finding for other banks and credit unions is about channels. 80% of enrollments happen digitally in two taps, but Narula is clear that digital is the fulfillment channel and financial center associates are the catalyst. Roughly 20,000 new-to-bank clients open a checking account and enroll every week, 2.5 times the pre-launch rate. Narula closes with her advice to any leader planning a change at this scale, starting with associate education long before launch. Banking Transformed is hosted by Jim Marous, Co-Publisher of The Financial Brand and Owner of the Digital Banking Report. Subscribe for new episodes multiple times each week.
Aug 31

Entitled mom is mad I won’t let her kids scam me

Tired of ads? Listen early and ad free by becoming a member for as little as $1.99/month: patreon.com/rrshow. This week on The RR Show: Entitled mother thinks I should give my diabetics snacks to her daughter Dad refused to give rides because I was "taking advantage of him" is now unable to drive. Entitled mother doesn’t realize I am her daughters free ‘Uber’ Mom demanded I pay kids for shoveling Submit your stories at jrice@evergreenpodcasts.com! Complete our survey and enter to win a $50 gift card: https://www.surveymonkey.com/r/CCXFNC6 Learn more about your ad choices. Visit megaphone.fm/adchoices
5d ago

Marketing is Still Not AI Ready

2026 State of Financial Marketing report is available for free at https://www.digitalbankingreport.com/trends/2026-state-of-financial-marketing/?YouTube More than half of the banks and credit unions in our 2026 State of Financial Marketing research have generative AI operational or better inside marketing. Not one of them describes its customer data as real-time and AI-ready. That gap runs in a straight line through the study. Generative AI raised production capacity, while thin data and almost no predictive decisioning keep the output from being relevant. 55% are not using predictive AI at all. 1% rate AI-driven content and creative as effective, the lowest score on the tactics chart, against the largest planned budget increase in the research. We funded the layer that produces marketing and held flat the layer that decides who should receive it, when it should arrive, and whether it worked. It also explains the distance between what this industry says about personalization and what it does. 83% sit at segment-based personalization or below and 1% call themselves hyper-personalized. Two-thirds of what we call personalization is choosing which audience receives a message, which is list selection under a newer name. Jim walks through what that looked like when he ran marketing at a bank, sorting a core tape by ZIP code and balance tier, and what has genuinely improved since. None of it is a reason to wait. Good solution providers build strong targeting on imperfect data every day. Imperfect data can't recognize what just happened to a customer and respond while it is still happening. Personalization and decisioning is also the least outsourced marketing function in the study at 13%, even though a lack of internal talent is the second-largest barrier, which means this industry outsources its strengths and protects its weaknesses. ABOUT: Jim Marous is Co-Publisher of The Financial Brand, Owner and Publisher of the Digital Banking Report, and host of the Banking Transformed podcast.
Sep 2

How to Find Real Differentiation in Banking

Most institutions aren't undifferentiated. Their differences are unwitnessed. Cover the logo on the mobile app, the website and the branch sign, and most leadership teams cannot pick their own institution out of a lineup. Jim Marous opens this episode with that test, then turns it around: the problem is rarely that a bank or credit union has nothing worth choosing. The problem is that the advantage was built somewhere no customer will ever see or feel it. The spine of the episode is an exercise Jim ran with a board recently. Everybody writes one sentence explaining why a customer banks with them, in the customer's words, and then the room crosses out anything that fails three tests. Distinctive, meaning the institution down the street could not write the same sentence. Valuable, meaning a customer has actually named it as the reason they chose or stayed, which most rooms cannot answer because nobody ever asked. And witnessed, meaning a customer can see, feel, measure or describe it through the channels they really use, and so can the prospect still deciding whether to start. From the diagnosis come four moves: capture the customer's own words at the opening, at the anniversary, and on the way out; put a number in front of the customer once a year; publish real voices rather than institutional language; and approve nothing that cannot survive the same three tests. The episode closes on the harder question, which is what an institution should do when nothing survives at all. About: Banking Transformed is hosted by Jim Marous, a top five banking industry influencer and Co-Publisher of The Financial Brand. Banking Insights episodes deliver the most important strategic ideas in under ten minutes, for the executive who wants the takeaway without the deep dive. Subscribe to the Digital Banking Report at digitalbankingreport.com.
Aug 11

How to Maximize Relationship Depth

A new account costs a bank or credit union over $400 to win, yet more than 40% go inactive within the first year. In this episode of Banking Transformed, Jim Marous talks with Har Rai Khalsa, co-founder and CEO of Swaystack, about closing the gap between account opening and account activation. Har Rai explains why the first 30 to 60 days decide primacy, why onboarding has to be product-specific, and how "reboarding" the existing base surfaces value institutions already own. He shares the results behind the approach, from a 5% portfolio-wide lift in direct deposit to a 71% increase in account openings with no added ad spend, and makes the case that activation is self-funding and that "silent attrition," not weak account opening, is the real threat to loyalty and profitability. Hosted by Jim Marous, Co-Publisher of The Financial Brand. Subscribe to Banking Transformed for new conversations on account activation, onboarding, primacy, and the future of banking.
2024-02-05

The Black Panther Tank Battalion: S/Sgt. Ruben Rivers

Staff Sergeant Ruben Rivers served in the Army during World War II. He was a member of the 761st tank battalion, a primarily all black battalion nicknamed the Black Panthers. The panthers were considered an experiment by the U.S. military. At the time, the military was segregated, and they didn’t think black soldiers had the intellect or ability to operate tanks. The 761st had to train for two years before being deployed, as opposed to the usual few months. Rivers and the rest of the Black Panthers arrived in Normandy in 1944. During 183 days of continuous combat, the Panthers traveled through six countries and liberated 30 towns on their march to Germany, becoming the first african american tank battalion to see combat. One day near Geubling, France, River’s tank hit a mine, causing shrapnel to shred Rivers’ leg to the bone. He repeatedly refused morphine and evacuation, not wanting to leave his battalion. A few days later, the panthers encountered a German anti-tank unit, and their commanding officer ordered a retreat. Seeing the location of the enemy, Rivers radioed and said “I see ‘em, We’ll fight ‘em!”. He and another tank engaged the enemy, providing cover fire for the rest of the panthers as they withdrew. Suddenly River’s tank was hit by two high powered artillery shells, killing him and wounding the rest of the crew. Rivers’ Medal of Honor recommendation was initially denied, but it was a long shot considering that at that point, no African American had received the award for their actions in either of the world wars. Over 50 years later, Staff Sergeant Ruben Rivers was posthumously awarded the Medal of Honor for his fighting spirit and daring leadership. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 27

What do you want to pass down to the next generation?

When Ariana’s father passed away, her first son, Toby, was just 6 months old. Luckily, she had spent her pregnancy recording her father’s memories of his childhood in Iran, his immigrant journey to America, and his life’s work as a psychiatrist. In this episode, Ariana shares how she sees her father in her now-adult son, and they celebrate the publication of her children’s book, Baba’s Gift, based on her father’s recordings. Everyone has a story worth sharing.

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