Evergreen Podcasts

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Canal • 52 programas

Economía y empresa

Economía y empresa

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Historia

Historia

31/10/2023
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Emprendimiento

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27/10/2022
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01/12/2020

16 jul

Winning the New War for Banking Primacy

Your dashboard says you are their primary bank. You may only be their vault. More than half of the new checking accounts opened today are additional accounts. The direct deposit lands with you. The relationship lives somewhere else. Primacy no longer begins with the transaction. It begins earlier, at the moment a customer asks their first financial question. Last year, 10% of Americans took that question to an AI. This year it is 55%, and 77% among Gen Z. Those conversations are not happening with their bank, even though consumers still trust their financial institution far more than they trust an AI with their money. Jim Marous covers the four questions customers are already asking, and how banks and credit unions can answer them first: instant access to cash with no application and no credit bureau, a payday message that says what is safe to spend, subscription alerts with a one-tap cancel, and an open-ended question bar with a human at the bottom of every answer. Featuring Huntington, Regions, Bank of America and Erica, Fifth Third, and the implementation gap that keeps good ideas from ever reaching a customer.
hace 5 días

Why Your Next CEO Needs More Than Tenure

Deep institutional experience isn't enough for the job ahead. New thinking alone isn't either. Your next CEO has to bring both. CEOs in financial services stay in the seat about 9 years, longer than almost any other industry, at the exact moment AI, data, and new competitors are rewriting what the job requires. Yet only 9% of banks have identified a CEO successor with a timeline and a plan of action, down from 17% a year earlier. Most succession plans are built to replace the person already in the seat rather than to prepare for the job that is coming. In this Banking Insights episode, Jim Marous argues the job now resembles a barbell. One end is credit judgment, relationships known by name, and having run the institution through a cycle where things went badly. The other is fluency in data and AI, command of partnerships, and a temperament that can carry bets, some of which are supposed to fail. The failure falls in the middle, and one person rarely holds both ends, which makes this a team question rather than a hire. Darius Wise of Red Rocks Credit Union shows what that looks like. He spent 15 years in pastoral leadership and arrived with no banking experience, then rebuilt the senior team around people who knew what he did not. His board runs on reverse mentoring, where the credit union's own employees teach the directors how the institution operates. The episode closes on custodian versus builder, and why that has nothing to do with age. 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 thefinancialbrand.com.
19 may

Building the Agentic Bank With Citi’s Driss Temsamani

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
29 jul

How Nubank Could Reprice U.S. Deposits

Nubank can change the economics of deposits that it has never won. The Brazilian digital bank has conditional approval for a U.S. national bank charter and plans to open by 2027, and most coverage is asking whether it can take a meaningful share of the market from American institutions. Jim Marous gives the pragmatic take: Share is the wrong thing to watch. Nubank built more than 130 million customer relationships in Latin America by leading with credit and earning the deposits afterward, in markets where many people had kept their savings at home rather than trust a bank. Its global platform now runs at an efficiency ratio below 20%, compared with a U.S. norm near 60%. That gap is the story. It lets Nubank pay depositors more than a typical U.S. bank or credit union can, and still earn a stronger margin, using deposit rates as an acquisition channel the way it did with Cuenta Nu in Mexico, where the yield went from 9% to 15% and pulled in $3.8 billion in 18 months. The exposure for American institutions shows up as margin, not attrition. Nubank does not have to reprice every deposit in the country. It only has to reset the price of the next dollar you need to keep or replace, and with a national average savings-account rate under half a percent against the best rates near ten times that, your customers are already comparing. Jim Marous is co-publisher of The Financial Brand and host of the Banking Transformed podcast. This Banking Insights episode covers what Nubank built in Brazil, why Chime’s track record shortens Nubank’s path, the one fair-lending question that could slow its rollout, and three moves banks and credit unions should make before someone else sets their deposit floor. Subscribe to Banking Transformed for new episodes multiple times each week.
21 may

Jack Henry's 2026 Benchmark: Why Banks Lose Deposits to Fintechs

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 Strategy 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 accountholder 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 Strategy 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
2 jun

Why Capital One, Klarna & Coinbase Win AI Search

Why do the same financial brands keep showing up inside ChatGPT recommendations while many traditional institutions barely appear at all?New research from EMARKETER found that brands including Capital One, Klarna, Coinbase, PayPal, and Discover consistently rank among the most visible financial companies in AI recommendations.In this episode of Banking Transformed, Jim Marous speaks with Tiffani Montez, principal analyst for financial services at EMARKETER, about what the AI Visibility Index reveals about consumer trust, digital marketing, and the changing dynamics of financial brand discovery.The discussion explores why fintechs dominate some categories while legacy institutions still lead others, how consumer behavior is shifting in the AI era, and what today's financial marketers may still be underestimating about visibility and relevance.#Banking #AI #DigitalMarketing #Fintech #ChatGPT #BankingTransformed
9 jun

The Path to Banking's Dual Workforce, with nCino CEO Sean Desmond

How will bankers and AI agents be working side by side five years from now? For most banks, that is no longer a hypothetical. New global research from nCino (link below) finds that 89% of banking executives expect their organization to be a combination of humans and AI agents within five years, and 84% say agentic AI has already changed how most banking roles operate. Leaders frame this as a move toward higher-value work. 91% say AI lets their people spend more time on the customer-facing tasks that matter most. In this episode of Banking Transformed, host Jim Marous sits down with Sean Desmond, President and CEO of nCino. Sean's view is that the real question is no longer whether to adopt AI but how to turn that activity into measurable outcomes. The research backs him up. Four in five executives say their organization prioritizes AI adoption over return on investment. Sean walks through how nCino moved past experimentation, including a personal agent stack he scoped in a single evening, and why he believes the goal is to raise up what bankers can do rather than take work away from them. In this conversation: The dual workforce: how humans and AI agents are beginning to share the workload, and what shifts when they do. Adoption to impact: why so many banks can point to AI activity but not yet to AI return, and how Sean thinks they close that gap. Beyond the sandbox: moving AI from test environments onto live production data without breaking governance. The data reality: why 94% of executives want one end-to-end AI solution while 93% still struggle with siloed or inconsistent data. Sponsored by nCino:nCino's inaugural AI in Banking Benchmark surveyed 150 senior banking executives and the results tell a story of high confidence with a striking blind spot. Nearly 9 in 10 say AI agents are the future, but only 1 in 5 are tying it to revenue. #BankingTransformed #nCino #DualWorkforce #AgenticAI #AIinBanking #FutureOfBanking #Fintech
16 may

Why Banks With More Data Still Don't Understand the Customer

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
2 may

Atomic Habits for Banking: How Small Changes Separate Winners

James Clear's Atomic Habits is the blueprint for professional change, but most banks are applying it incorrectly. In this episode of the Banking Insights series, I unpack the 1% daily compounding math that dictates why some banks quietly lose competitive ground while others compound forward. I share my personal journey of losing 80 pounds and rebuilding this video series using the same system. Then I introduce the compounding gap framework, the invisible force that explains why so many strategic plans never become customer behavior. If your institution feels stuck, this episode provides the four-law framework to identify where your system is breaking down and what to do about it tomorrow morning. Subscribe to Banking Transformed for weekly insights on the future of financial services, and tell me in the comments: which of the four laws is breaking down inside your bank right now? In This Episode • The 1% daily compounding math applied to institutional banking strategy • The difference between goals and the systems that actually produce them • The compounding gap: the invisible force behind declining growth • Identifying which of the four laws of behavior change is failing in your organization Referenced Episodes Insight Video #9: Agentic AI in Banking Insight Video #6: The Oura Ring Business Model #AtomicHabits #BankingTransformed #DigitalBanking #RetailBanking #CompoundingGap
02/09/2020

Episode 2: There Will Never Be Another Camelot

After the assassination of her husband, Jackie Kennedy was unhappy that journalists were beginning to write assessments of his presidency, deciding for themselves how his time in the White House would be remembered. In fact, she had her own idea of what his legacy should be— so she took matters into her own hands. This podcast is a companion to Paul Brandus's new book, "Jackie: Her Transformation from First Lady to Jackie O," now available in stores and online. For extra information on this episode and to access a transcript, head over to our website! Follow host Paul Brandus on Twitter here. Make sure to follow Evergreen Podcasts on Twitter, Instagram, Facebook, and LinkedIn! Learn more about your ad choices. Visit megaphone.fm/adchoices

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