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Updated 04/09/2025
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Updated 19/04/2023

10 FEB

Why Incremental Banking Improvements No Longer Work

With over $2 trillion in deposits already lost to digital banks and fintechs, incremental banking improvements are no longer a strategy; they’re a liability. Today, I'm joined by Benjamin Conant, Chief Product Officer at Alkami and Co-founder of MANTL, to discuss insights from their new 2026 Banking Predictions Report and what it reveals about why banks and credit unions are quietly falling behind. The discussion focuses on unifying systems that have operated in silos for decades, turning branches into profit engines, finally making AI deliver results, and consolidating vendors who can create solutions at speed and scale. Institutions that endure the next three years won't be the ones making minor updates to failing systems. They'll be the ones willing to take bold actions and operate with the urgency and resilience that the future demands. This isn’t a debate about following trends. It’s about how you execute.

10 Feb

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38 min
16 FEB

2026 Banking Trends Reveal a Dangerous Execution Gap

Download the free 2026 Retail Banking Trends and Priorities sponsored by Q2: https://tinyurl.com/2yrce223 Retail banking leaders have never had more clarity about what needs to change, yet execution continues to lag. In this video, discussing the most critical insight from the 2026 Retail Banking Trends and Priorities research, Jim Marous examines where transformation efforts stall across digital experience, payments, AI, and partnerships, and why incremental progress is no longer enough to keep pace with customer expectations or non-bank competitors. This discussion challenges leaders to move beyond pilots and roadmaps, confront the trade-offs they’ve been avoiding, and focus on the few decisions that actually drive meaningful change. If you’re responsible for strategy, digital transformation, or growth in 2026, this discussion offers a clear-eyed look at what’s holding the industry back and what it will take to move forward.

16 Feb

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13 min
6 DAYS AGO

Credit One Bank Serves Those Who Others Won’t

About 25% of Americans can’t get a credit card from a major bank, and more than half are one or two missed paychecks from a credit crisis. Yet most financial institutions still design their products for prime borrowers and pretend the rest of the market doesn’t exist.In this episode of Banking Transformed, I sit down with Steve Min, Chief Credit Officer at Credit One Bank, who has built a business around the customers most banks would rather turn away. We talk about why two-thirds of consumers don’t understand the basics of how their credit score is calculated, why the stigma around imperfect credit keeps people from getting help, and what it actually takes to rebuild a credit profileSteve explains how Credit One approaches risk differently, why its Credit Wreckers program teaches people what not to do with their credit, and how building financial momentum can help borrowers qualify for better products over time. If your institution claims to serve the underserved, this conversation will challenge whether you’re actually doing it.Resources:CreditWreckers.comForWhatsAhead.comThis episode of Banking Transformed is sponsored by Credit One Bank Credit One Bank is a financial services company and one of the fastest-growing credit card issuers in the U.S. Founded in 1984 and headquartered in Las Vegas, Credit One Bank offers a full spectrum of credit card products including cash back and points-based cards as well as high-yield certificate of deposit and savings accounts. Credit One Bank is also an official partner of the Las Vegas Raiders and the Official Credit Card of NASCAR, the Vegas Golden Knights and Best Friends Animal Society. Learn more at CreditOneBank.com, in our Newsroom or on social media (@CreditOneBank) on Facebook, Instagram, YouTube, and LinkedIn.

6 days ago

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23 min
3 FEB

$200 Trillion at Risk: The New Threat to Banking

Banking executives know their industry is being disrupted. What they don't know is how much of their balance sheet they've already lost control of. According to Accenture, more than $200 trillion in global bank deposits and loans are now at risk, and that threat isn’t coming from another bank. It’s coming from stablecoins, AI agents that can automatically optimize finances, and platforms that can quickly move cash, often outside the traditional banking system. Today's guest is Mike Abbott from Accenture. His team's new report on the top banking trends for 2026 reveals some uncomfortable truths. Seventy percent of IT spending still goes to maintaining outdated systems. Margin compression could reduce US bank pre-tax income by 22%. And many of those loyal customers who've stayed with their bank for seven years? The research calls them "lazy loyalists." The real question for banking leaders isn’t whether this shift is happening, but how much of the balance sheet they’ll still control when it does. Mike joins us to discuss how banks can respond to threats moving faster than their modernization efforts.

3 Feb

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47 min
17 FEB

What Liquid Death Can Teach Banks

Liquid Death reached a $1.4 billion valuation selling water in cans. Meanwhile, banks spent $500 billion on transformation last year and still struggle to stand out. The gap isn't money - it's courage. Most banks are still designed to protect the status quo. Risk avoidance dominates, small changes are called progress, and true creativity rarely makes it through the internal process to reach customers. Challenger brands like Liquid Death don’t win because they spend more or market louder. They win because they decide who they’re for, what to stand for, and how to build a culture that supports being a challenger, even when it creates discomfort. I’m joined by Eric Fulwiler, co-founder and CEO of Rival. We discuss their recent study of the top 50 challenger brands and what makes them distinctive. We also uncover what has to change if financial institutions want to stand out instead of blending in.

17 Feb

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45 min
5 FEB

Your Gen Z Strategy Is Broken

Your Gen Z strategy is putting your organization’s growth at risk. New research from Primax, shows that only 12 percent of Gen Z consider a community or regional bank their primary financial institution. Will these Gen Z consumers move their parents' relationship out of your institution? By 2035, Gen Z will be the largest and wealthiest generation in history. And 72 percent say they face financial challenges unlike those of any other generation. They're seeking a financial partner who understands their reality far beyond a simple transaction. The bottom line is that customer loyalty is thin, opening accounts at new institutions is easy, and growth is no longer guaranteed. Today on Banking Transformed, I'm joined by Carrie Stapp, Vice President of Marketing at Primax. We're unpacking what the Banking in Focus research report reveals about what's broken in how banks approach Gen Z – and what you need to fix now before future growth moves elsewhere. This episode of Banking Transformed is sponsored by Primax Primax provides banks with payment processing services and an expansive array of value-added technology and solutions. Primax’s customizable solutions, including risk management, mobile and online card management, data and analytics, loyalty programs, marketing, strategic consulting, delinquency management and contact center services, help banks profitably grow their portfolios and deliver an unparalleled experience to their accountholders. With a longstanding commitment to service excellence, Primax has been designing and providing support services for banks throughout the U.S. and the Caribbean for over 40 years. For more information, visit www.primax.us.

5 Feb

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37 min
22 JAN

Why Data-Driven Marketing Fails in Banking

Most financial institutions say they are data-driven. Far fewer can prove it in customer acquisition and relationship growth success. At a time when marketing costs are rising, response rates are under pressure, and every institution has access to the same channels, data is often the difference between growth and wasted spend. Today’s conversation is about how data actually drives results, not dashboards, not buzzwords, but measurable connections with the right consumers at the right time. We are going to talk about how modeling, channel orchestration, and analytics are reshaping direct marketing for banks and credit unions, and why doing this well is becoming a competitive necessity. I am joined by Preston Carroll, Director of Data and Analytics, and Eddie Tu, Principal Statistical Analyst at Franklin Madison Direct. Together, they work at the intersection of data science, marketing strategy, and financial services growth. Today, we will unpack what actually works, where institutions get it wrong, and how leaders can move from data awareness to data advantage. This episode of Banking Transformed is sponsored by Franklin Madison Franklin Madison Direct is a premier direct marketing agency within the Franklin Madison Group. Specializing in performance-driven strategies, FM Direct empowers financial and insurance brands to connect with their ideal audiences and achieve outstanding growth. The agency supports clients in expanding their customer base profitably through diverse acquisition channels, including direct mail, paid search, paid social, and display advertising. https://franklinmadisondirect.com/

22 Jan

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39 min
1 JAN

Why BofA Is Betting on Branches

What if the biggest myth in banking is that customers don’t need branches anymore? Because every time Bank of America opens a new financial center, digital sales in that market jump by 50 percent. Physical presence isn’t competing with digital — it’s accelerating it. Now, Bank of America is putting $750 million behind a bet the rest of the industry walked away from too soon, opening 150 new financial centers across 60 markets by 2027 at more than $5 million per location. Bold? Yes. Contradictory? Maybe. But the timing suggests something deeper: after shrinking from 6,000 branches to about 3,700, they now believe the future isn’t fewer branches… it’s smarter ones. These next-generation centers aren’t transaction factories. They’re advisory hubs staffed by 12,000 relationship bankers, designed to anchor communities and handle the conversations digital can’t — at least not yet. My guest on the Banking Transformed podcast, Will Smayda, leads this transformation. He’ll explain why Bank of America is expanding while others retreat and what these new financial centers reveal about how clients actually want to bank. So, here’s the question we all need to wrestle with: Is this the future of the branch — or the most expensive contradiction in banking?

1 Jan

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45 min
30/12/2025

Core Modernization, AI, and the Future of Banking

Every bank today is trying to appear modern. But you can’t operate a digital institution with a core system that hasn’t been updated since the iPhone was introduced. After years of adding new features on top of outdated infrastructure, the limitations become clear: legacy cores slow innovation, hinder personalization, and make it nearly impossible to compete in an AI-driven world. Modernization is no longer just a tech project. It’s a strategic choice for whether a bank can stay competitive. Banks adopting unified, modern architectures aren’t doing it for appearances; they’re doing it because it provides the speed, flexibility, and resilience that legacy systems cannot match. The good news? Modernizing no longer requires years of planning and implementation. Progressive methods are giving banks safer, lower-risk options to move forward. Today on the Banking Transformed Podcast, I’m joined by Sai Rangachari, Chief Product Officer at Temenos, to explore what modern core banking really entails, why it’s important now, and how banks can update without disrupting their operations.

30/12/2025

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53 min
9 FEB · BONUS

I Relaxed Too Much During A Massage... | r/TIFU (Rerun)

In this episode of Reddit Readings, we cover top posts from Reddit r/tifu. We hear about massages, Halloween costumes, testicle implants, and many more funny fuck ups! See ⁠acast.com/privacy⁠ for privacy and opt-out information. Learn more about your ad choices. Visit megaphone.fm/adchoices

9 Feb · Bonus

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29 min

Our podcasts are capturing the every-day color and diversity of modern makers. From entrepreneurs and musicians, to philosophers and artists, our storytelling podcasts have something for everyone.

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