Banking Transformed with Jim Marous

The banking industry faces unprecedented pressure to shift from reactive service models to proactive engagement strategies. However, many institutions are still hindered by fragmented customer data, disconnected channels, and limited AI capabilities. Banking's future belongs to institutions that can harness unified data, artificial intelligence, and seamless experiences to predict and fulfill customer needs before they're articulated. I’m joined on the Banking Transformed podcast by Tim Rutten, Chief Marketing Officer at Backbase, to discuss how financial institutions can unlock their growth potential in an increasingly competitive and rapidly evolving market. We discuss how leading banks break down traditional barriers between products, channels, and business units to create cohesive customer journeys that build deeper relationships and unlock new revenue streams. Tim also provides actionable insights on prioritizing high-impact use cases that can be put into action today.

In less than two years, Jenius Bank has surpassed $2 billion in deposits and loans, and recently launched a next-generation mobile and online banking platform that promises to transform how customers understand and manage their finances. The focus has been on leveraging technology to deliver personalized insights, eliminating fees, and helping customers live what they call "richer lives." I’m excited to welcome back John Rosenfeld, President of Jenius Bank, the digital banking division of SMBC MANUBANK to the Banking Transformed podcast. John discusses how digital banking must evolve beyond convenient transactions to become a financial partner that provides actionable insights for customers. By focusing on financial wellness, data optimization, and the mind-money connection, Jenius Bank creating differentiation in a highly competitive digital banking landscape.

Despite having accumulated vast amounts of customer data for decades, many financial institutions struggle to effectively harness this information for strategic advantage. Legacy systems, organizational silos, and competing priorities often leave valuable data isolated and underutilized. Meanwhile, the rapid advancement of artificial intelligence and machine learning technologies has created both immense opportunities and significant challenges for banks trying to keep pace. I'm joined on the Banking Transformed podcast by Lee Wetherington, Senior Director of Corporate Strategy at Jack Henry™ & Associates. Lee has been at the forefront of helping financial institutions navigate these complex data and AI challenges. This episode is sponsored by Jack Henry. Jack Henry™ is a well-rounded financial technology company that strengthens the connections between people and their financial institutions through technology and services that reduce the barriers to financial health – with the purpose of empowering people and communities to gain the financial freedom to move forward. Visit jackhenry.com [http://jackhenry.com/] to learn more. https://www.jackhenry.com/topi... [https://www.jackhenry.com/topics/data-and-ai?utm_campaign=2425-data%20and%20ai-conversion-bgr-brnd&utm_source=affiliate-the%20financial%20brand&utm_medium=podcast&utm_term=202504] * LinkedIn: https://www.linkedin.com/company/6970 [https://www.linkedin.com/company/6970] (Jack Henry) * Facebook: https://www.facebook.com/JackHenryAssociates/ [https://www.facebook.com/JackHenryAssociates/] (Jack Henry) * Twitter/X: https://twitter.com/JH_Fintech [https://twitter.com/JH_Fintech] * Instagram: https://www.instagram.com/jackhenry_fintech/ [https://www.instagram.com/jackhenry_fintech/]

In a world saturated with digital noise, where customer loyalty is increasingly rare, how can traditional banks not just survive, but thrive? I’m joined on the Banking Transformed podcast by Kartik Ramakrishnan, CEO of Financial Services at Capgemini, to discuss the eye-opening findings from their just-released 2025 World Retail Banking Report. This report reveals some concerning trends, including the a vast majority of customers are indifferent or outright dissatisfied with their current banking experiences. Meanwhile, banking executives are struggling to convert prospects into customers, with significant gaps between what consumers want and what banks are delivering. But within these challenges lie extraordinary opportunities for transformation. We explore how leading financial institutions are using the customer-centric "flywheel growth model" to attract, engage, and delight digital-first customers in an increasingly competitive landscape.

In an evolving banking ecosystem, CMOs must approach AI as a transformative force while avoiding the pitfalls of short-term thinking. To drive differentiation, forward-thinking marketing leaders must leverage first-party data foundations, AI tools, and human creativity and stop marketing like it’s in 1999. On today’s episode of Banking Transformed, my friend Eric Fulwiler, who is the co-founder and CEO of the marketing consultancy Rival, joins me to discuss how true marketing innovation will come not from the AI tools themselves but from proprietary customer insights and creative application of AI outputs. Eric also shares practical frameworks for CMOs to evaluate AI investments, build team capabilities, and maintain a strategic perspective amid rapid change while providing tips for ongoing AI learning.