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Jim Marous
Co-Publisher at The Financial Brand
Cleveland, United States
Named as one of the most influential people in banking and a Top Fintech Influencer to Follow, Jim Marous is an internationally recognized financial industry strategist, co-publisher of The Financial Brand, host of the podcast Banking Transformed, and the owner and publisher of the Digital Banking Report. Marous advises on innovation, portfolio growth, customer experience, marketing strategies, channel shift, payments, and digital transformation within the financial services industry.
As a sought after keynote speaker, author and recognized authority on disruption in the financial services industry, Marous has been featured by CNBC and CNN, The Wall Street Journal, New York Times, The Financial Times, The Economist, The American Banker, Accenture and the Irish Tech News and has spoken to audiences worldwide. Jim has also advised the White House on banking policy and is a regular contributor and guest host for the Breaking Banks broadcast hosted by Brett King.
Available For: Advising, Authoring, Influencing, Speaking Travels From: Cleveland, Ohio
Speaking Topics: future of banking and finance, digital transformation, banking innovation, AI
Jim Marous
Points
Academic
0
Author
1411
Influencer
2582
Speaker
61
Entrepreneur
40
Total
4094
Points based upon Thinkers360 patent-pending algorithm.
How Will The Coronavirus Impact The Banking Ecosystem?
The Financial Brand
March 12, 2020
Here's how the entire financial ecosystem is being rocked as banks and credit unions around the world deal with the impact of COVID-19, and why it's more important than ever to make significant adjustments to your business model in light of the new competitive landscape.
Innovation in Banking Demands Supportive Culture from Top Down
The Financial Brand
October 08, 2018
Digital transformation requires an innovation structure and foundation or it will not occur. You can't run a good hackathon just to impress the investment public. Successful innovation projects depend on high-level corporate support, enthusiasm at the company's grassroots, and a culture that ensures that deserving innovations will move from concept to reality. Otherwise financial creativity will wither.
Are Your Prepared to Embrace Change, Take Risks and Disrupt Yourself?
The Financial Brand
May 13, 2018
The banking industry is changing at a pace never before seen. Digital transformation has become an imperative for financial institutions of all sizes. The transformation goes beyond technology, however, requiring people and organizations to embrace change, take risks and disrupt themselves. Who is up for this challenge?
Tags: Digital Transformation, FinTech, Change Management
Consumers Prefer Digital Banking Capabilities Over Branch Proximity
LinkedIn
August 23, 2017
Banks have historically expanded branch networks to drive market exposure, increase customer acquisition and support deposit growth. With a bank on every corner, storefront signage drove consideration and influenced purchase decisions, with consumers going from branch to branch collecting product brochures and asking questions
Banking Industry Fails to Meet Personalization Expectations
LinkedIn
August 23, 2017
Consumers expect their financial institution to understand their needs and deliver personalized solutions similar to what they receive from Google, Amazon, Facebook and Apple.
Voice Payments Take Center Stage as Google and Walmart Partner to Compete with Amazon
LinkedIn
August 23, 2017
It is becoming clear that the next battle in the tech world will be around voice-driven digital assistants, such as the Apple Siri, Amazon Alexa, Microsoft Cortana, Google Assistant/Now and Samsung Bixby/Viv.
Get the Latest in Retail Banking Research
LinkedIn
August 08, 2017
Each report includes proprietary global research, analysis and insights that can help you build winning strategies. We break all of the research down by size and type of organization, so that you can compare your digital banking capabilities against your peers.
The Future of Banking Depends On Open Banking APIs
LinkedIn
August 08, 2017
Open banking enables third parties to develop new products and services through use of APIs. By working together and taking advantage of APIs, banks and fintech firms can leverage their complementary strengths, enhancing the customer experience much more than either entity could do on its own.
Will Augmented and Virtual Reality Replace the Bank Branch?
LinkedIn
August 08, 2017
The traditional bank branch network is in a massive state of transition. Offices are shrinking or closing altogether, with digital tools being introduced to support both transactional and advisory roles. But, while more than 8,000 U.S. bank branches have closed over the past decade, and as many as 90% of transactions taking place online, the number of bank employees has remained relatively stable.
Digital Payments Approaching Universal Acceptance
LinkedIn
August 07, 2017
In the world of payments, consumers want transactions to work securely and seamlessly within their daily lives. This is true with bill pay, person-to-person (P2P) payments and even with checks.
The Rise of the Digital-Only Banking Customer
LinkedIn
August 07, 2017
Are banks and credit unions keeping up with consumer demands when it comes to digital banking offerings? With 46% of consumers using only digital channels for their banking, expectations are outpacing experiences at most organizations.
Banking Must Move From Mobile-First to AI-First
LinkedIn
June 21, 2017
While there are many important technological trends impacting the banking industry, none may be more important that artificial intelligence (AI) and the ability to use data, advanced analytics and digital technology to deliver a better customer experience.
Not All Mobile Banking Apps Are Created Equal
LinkedIn
June 21, 2017
While retail banking customers now prefer the mobile channel to all other channels for interaction, not all mobile banking apps are created equal, according to a study from J.D. Power.
The Future of Banking Depends On Open Banking APIs
LinkedIn
June 21, 2017
Open Banking enables third parties to develop new products and services through use of APIs. By working together and taking advantage of APIs, banks and fintech firms can leverage their complementary strengths, enhancing the customer experience much more than either entity could do on its own.
The Rise of the Digital-Only Banking Customer
LinkedIn
June 13, 2017
Are banks and credit unions keeping up with consumer demands when it comes to digital banking offerings? With 46% of consumers using only digital channels for their banking, expectations are outpacing experiences at most organizations.
Will Augmented and Virtual Reality Replace the Bank Branch?
LinkedIn
June 13, 2017
Despite the rise in digital banking, an advantage of branch banking continues to be the value of personal interaction. But, could the benefits of face-to-face interaction be incorporated into augmented reality (AR) and virtual reality (VR) solutions?
While there are many important technological trends impacting the banking industry, none may be more important that artificial intelligence (AI) and the ability to use data, advanced analytics and digital technology to deliver a better customer experience.
Top #Fintech Influencer Interview with Jax Finance
LinkedIn
May 06, 2017
In a top 20 #Fintech Influencer interview with Jax Finance, I share what the future of finance is going to look like, how investement strategies in FinTech are going to change and what the biggest trends right now are.
Banking Industry Still Taking Small Steps with Big Data
LinkedIn
March 10, 2017
The vast majority of banking and financial firms globally believe that the use of insight and analytics creates a competitive advantage. The industry also realizes that they are sitting on a vast reservoir of data and insight that can be leveraged for product development, personalized marketing and advisory benefits.
Predictive Analytics is the Future of Financial Marketing
LinkedIn
March 06, 2017
Analytics has been at the core of retail bank marketing for decades. But despite the proliferation of data, the ability to effectively leverage insights for a personalized customer experience and enhanced profitability has remained elusive.
Closing the Digital Divide Between Banks and Customers
LinkedIn
March 03, 2017
There has never been a time where the focus on the customer experience has been greater. The banking industry needs to re-imagine how they deliver and measure customer satisfaction to be able to meet growing consumer expectations.
Lemonade: The Mobile-Based, AI-Fueled Insurance Industry Disruptor
LinkedIn
March 02, 2017
Lemonade, the mobile-based, peer-to-peer insurance startup has been been dubbed, “The Uber of insurance”. Providing consumers with policies at a fraction of the cost of what competitors offer, can this start-up disrupt a major category of financial services?
Needs Identification and Transparency Results in Sales Success
LinkedIn
March 01, 2017
Recent disclosures around deceptive sales practices at Wells Fargo has forced banks and credit unions to review their own procedures. A study by JD Power provides insight into ways the industry can improve sales results while regaining the trust of consumers.
Marketers Unprepared for Data-Driven Future
LinkedIn
February 27, 2017
New technologies and advanced analytics have the potential to create an exceptional customer experience. Unfortunately, most banking organizations continue to use the same outdated, siloed processes.
Named one of the most influential people in banking.
Partner with an energetic and compelling presenter who earns the highest ratings at industry events. Reward your audiences with one of the world’s most recognized financial services experts.
Jim Marous is consistently rated as one of the top 5 most influential people in banking and one of the most sought after keynote speakers for industry and corporate events. Known for his understanding of the disruption in the banking industry, Marous is the co-publisher of The Financial Brand, and owner and publisher of the Digital Banking Report. Jim speaks on innovation, digital transformation, customer experience, marketing strategies, channel distribution, payments and change management.
Jim has been featured on CNBC, CNN, Forbes, The Wall Street Journal, New York Times, The Financial Times, The Economist, The American Banker, Fintech Finance and Accenture and has spoken to audiences worldwide.
Marous has also advised the White House on banking policy and is a contributor for Forbes and the Breaking Banks radio show.
DIGiTAL BANKING REPORT
Digital Banking Report
February 01, 1994
Recognized as one of the most influential people in banking and a top 5 global influencer, Jim Marous is the owner and publisher of the Digital Banking Report and co-publisher of The Financial Brand.
The subscriber-based Digital Banking Report (previously the Online Banking Report), focuses on key digital challenges and opportunities in the financial services industry. Published 9 times a year, the Digital Banking Report provides in-depth analysis to financial institution executives globally.
Jim Marous – Keynote Speaker Promo Sizzle Reel
Jim Marous
June 14, 2018
One of the most influential people in banking, and a top 5 Fintech influencer, Jim Marous is the co-publisher of The Financial Brand, and owner and publisher of the Digital Banking Report. Marous speaks on innovation, customer experience, marketing strategies, channel distribution, payments and digital transformation.
Jim has been featured by CNBC, CNN, The Wall Street Journal, New York Times, The Financial Times, The Economist, The American Banker, Accenture, Fox News and Forbes and has spoken to audiences worldwide.
Marous has also advised the White House on banking policy and is a regular contributor and guest host for the Breaking Banks radio show.
Your business needs to embrace these tech trends to dominate
TCNTV
September 03, 2020
September 2020 - Jim Marous is an internationally recognised financial industry expert and a banking advisor to the White House. Jim speaks with The Capital Network’s Executive Director Lelde Smits about the next big technology trends of this century.
“In the future, the [banking] interface will not be a branch, a computer, or even a phone”
Kantox
February 22, 2017
Similar to many financial and non-financial industries, retail banking is directly affected by new innovations and developments such as AI, machine learning, contextual design or the cloud. The way these will impact the current market players and the opportunities they open to newcomers is something still to be seen.
The influencer interview: Jim Marous, publisher of the Digital Banking Report and co-publisher of The Financial Brand
Bobs Guide
February 20, 2017
Jim Marous is a regular keynote speaker with a wealth of experience in banking, financial services innovation and consumer trends. When he's not speaking at conferences, he regularly writes for the The Financial Brand, a media outlet and website for financial marketers and executives. He is also the owner and publisher of the Digital Banking report.
Bank Marketing: Dump Data Scientists -- Try Marketing By Walking Around
Forbes
March 09, 2016
The “2016 Guide to Financial Marketing” published by the Digital Banking Report doesn’t actually say banks should give up on marketing analytics, but in showing how bad they are at it, the report inadvertently makes a pretty strong case for dumping sophisticated customer data analysis and trying something else.
Jim Marous Interview: 2016 Banking Trends Recap
MONEY SUMMIT
March 07, 2016
This week we interviewed Jim Marous, owner and publisher of the Digital Banking Report and co-publisher of The Financial Brand. Marous recently released the 2016 Retail Banking Trends and Predictions report, where he and his team present highlights from their panel of nearly 100 financial industry global influencers. The report is worth downloading in full, which you can do
FINTECH, CX & LESSONS FROM INNOVATORS
Accenture
January 01, 2016
Named as one of the most influential people in banking and a top 5 Fintech Influencer to Follow, Jim Marous is an internationally recognized financial industry strategist, co-publisher of The Financial Brand and the owner and publisher of the Digital Banking Report. Marous advises on innovation, portfolio growth, customer experience, marketing strategies, channel shift, payments and digital transformation within the financial services industry.
Veteran Banker Bets Branchless Banking’s Time Is Here… Finally6
THE WALL STREET JOURNAL
June 08, 2015
A finance-industry veteran is launching a new branch-less bank, betting that the explosion in smartphone adoption means the time in finally here for a bank that interacts with its customers almost entirely on a mobile app
Target Marketing: Banks Pitch Products Through Smartphones
AMERICAN BANKER
June 20, 2014
Imagine walking into an auto dealership with your smartphone in hand and, moments after arriving, the phone buzzes with a message from your bank offering options for car loans.
Banking with Apple? Millennials prefer Google, Amazon
CNBC
May 28, 2014
Apple products have disrupted the phone, computer and music markets, but support for the tech giant to move into financial services is flagging.
An Accenture survey out Tuesday showed just 34 percent of millennials—and 20 percent of respondents aged 35 to 54—would bank with Cupertino, California-based Apple if it offered those services. More millennials would bank with Google and Amazon, according to the survey, part of a broader report titled "Everyday Bank: A New Vision for the Digital Age."
Making millennials “Sticky” The changing role of the CMO in the financial services industry
The Economist Intelligence Unit
January 01, 2013
Confident. Connected. Open to change. That’s how
the Pew Research Center describes the millennial
generation in its definitive 2010 study Generation
Next.
Why Do All Banks Look and Feel the Same?
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December 09, 2025
In this video, Jim Marous broadcasts from Miami’s Wynwood Arts District — one of the most vibrant creative hubs in the world. Using the evolution of Wynwood as a backdrop, Jim explores why so many financial institutions struggle to differentiate, why creativity has become a strategic imperative,
Future of Banking Through the Eyes of a Shark
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December 02, 2025
Today on Banking Transformed, I sit down with someone who never holds back – Kevin O’Leary from Shark Tank. We recorded this conversation live at the Catalyst Strategic Summit in Austin, where Kevin and I explored one of the biggest questions facing the industry today: What is the real future of
SpaceX Lessons to Shorten Innovation Cycles
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November 18, 2025
The secret to breakthrough innovation isn't having more resources. It's all about learning faster. SpaceX went from near-bankruptcy to reshaping a $400 billion industry by compressing learning loops from years to weeks.
This isn't just a space story. It's a blueprint for any regulated industry. If
Digital Banking Transformation Myth
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November 13, 2025
In this episode of Banking Transformed, Jim Marous exposes why digital transformation in banking is still more myth than reality. Despite massive investment and ambitious strategies, only 7% of banks achieve their intended digital outcomes.
Drawing on insights from the 2025 Retail Banking Trends an
The New Playbook for Fraud & Cyber Defense
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November 07, 2025
Fraud is no longer just a downstream cleanup issue. It’s a direct result of cyber incidents that outpace our organizational structures. Siloed teams still overlook weak signals, coordinated attacks manage to get through, and losses grow across different channels. That’s why banking leaders need
How Fintech NerdCon is Reimagining Banking Events
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November 04, 2025
Today, I’m excited to welcome Colton Pond and Simon Taylor, the visionary co-founders of Fintech NerdCon to the Banking Transformed podcast. Fintech NerdCon is an event with no meetings, no sales booths … just top-tier networking with fintech operators and builders. It’s what happens when a fi
New Path to Corporate Banking Loyalty
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October 28, 2025
Today, we're exploring one of banking's most vital yet often overlooked functions: corporate banking account analysis. Though it might not seem glamorous, this is where billions of dollars in revenue are gained or lost, and where the gap between a loyal corporate client and a frustrated one is often
Tags: FinTech
The Identity-Driven Marketing Playbook
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October 23, 2025
Financial institutions are overwhelmed with customer data but lack meaningful insights. Banks and credit unions find it difficult to accurately identify their customers across scattered digital channels, monitor customer behavior from the initial contact to conversion, and demonstrate which marketin
Beyond the Myths: What’s Happening with Instant Payments?
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October 22, 2025
Instant payments have officially entered the mainstream — but adoption is still uneven, and questions remain. How is FedNow performing more than a year after launch? What’s driving momentum, what’s holding institutions back, and what will it take for real-time payments to finally reach critica
Customer-First, Modular Banking Built for Speed
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October 21, 2025
Against the backdrop of the iconic Bonneville Salt Flats, where speed records are broken and boundaries are pushed, Colton Pond joined me to interview three visionary banking leaders who are breaking through the traditional limitations of legacy core banking systems. This unique setting perfectly mi
Inside Grasshopper Bank’s Claude AI Integration
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October 14, 2025
What if your business banking clients could ask a question, in plain English, and get an instant, intelligent answer? No spreadsheets. No manual reports. Just the client, their data, and AI working together.
It sounds like science fiction, but it's happening right now. Grasshopper Bank has become t
Is Your Back Office Ready for the Future?
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October 07, 2025
The future of banking isn't coming – it's already here. And yet, a staggering 46% of retail financial institutions admit they're either early in their digital transformation journey or still in planning stages.
At the heart of this inertia lies a familiar bottleneck: legacy core systems. While ov
Tags: FinTech
Agentic AI Meets Open Banking: The Future of Money
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September 30, 2025
AI is rewriting how value is created and moved, digital assets are making finance programmable, and open banking is turning data into a competitive weapon.
To become resilient, one must understand the collision between cutting-edge technology and centuries-old financial systems. How is open banking
AI, Apps, and Advice: What’s Next for Banking
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September 23, 2025
As we passed the midway point of 2025, we're witnessing a fascinating convergence: social media has become the new town square for financial decisions, mobile apps are overtaking traditional banking channels, and after years of digital self-service, Americans are seeking human financial advice at le
The Hidden Driver of Business Banking Loyalty
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September 18, 2025
While most financial institutions see payment processing as just a commodity service, the smartest ones are realizing it's actually their secret weapon for strengthening commercial relationships, boosting non-interest income, and building real competitive advantages in a growing market.
From Products to Platforms: The Future of Banking
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September 17, 2025
In today’s rapidly changing financial landscape, traditional banking is no longer enough. Customers expect more than just accounts, loans, and transactions—they want personalized, real-time value delivered seamlessly across every touchpoint in their lives. That’s where ecosystem banking comes
Your Bank's Data Strategy Could Make or Break AI Success
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September 16, 2025
In banking, every second matters. Fraud happens in milliseconds. Customers demand instant answers. And AI can only deliver value if it’s powered by live, real-time data. Yet many banks are still relying on batch reports and outdated systems, making decisions based on yesterday’s insights.
AI in Banking: From Hype to Measurable Outcomes
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September 09, 2025
Most banks, including potentially yours, are falling into a dangerous trap. They're announcing AI initiatives, holding innovation showcases, and talking about digital transformation, but when it comes to measurable business results, 70% have nothing to show for their investment.
Future Strategies for Business Banking Growth
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September 04, 2025
In this episode of Banking Transformed, John Stuckey from FIS shares insights on the evolving landscape of digital business banking and the strategies financial institutions need to adopt for future growth.
The discussion examines how market needs have evolved for business banking clients, the effe
Winning the Digital Banking Race Across Generations
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September 02, 2025
Silent attrition may be the biggest threat most banks aren’t talking about — and the stakes are rising fast.
The 2025 Generational Trends in Digital Banking study reveals that only 56% of digital banking consumers expect to maintain their current relationship over the next year, while the rest
Unlocking Value Through Data and AI
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August 28, 2025
As I visit different cities and countries, I find that every financial institution is racing to claim they are “data-driven,” yet, as I dig deeper, I find that few are truly turning data into meaningful action.
From personalizing member experiences to unlocking operational efficiency, the abili
How to Turn Customer Interactions Into ROI
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August 26, 2025
Every customer conversation – whether in a branch, online, or through a call center – holds the potential to either deepen loyalty or increase attrition. Yet too often, those interactions create frustration, higher costs, and lower satisfaction scores.
Build a Bank Brand Worth Fighting For
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August 19, 2025
Fintech disruptors like Chime, Revolut, Venmo and the Cash App have shaken up the banking world by positioning themselves against traditional banking's pain points, yet most established banks continue to compete on incremental improvements rather than bold differentiation.
When 93% Mobile Adoption Drives Innovation
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August 12, 2025
Thailand's banking sector is experiencing a remarkable evolution, driven by regulatory innovation, mobile-first consumer behavior, and some of the world's most stringent operational requirements. Leading this transformation at one of the region's most influential financial institutions is our guest
Tags: FinTech
The Untold Journey of a Female Tech CEO
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August 05, 2025
For tech firms serving banks, survival isn’t guaranteed. It takes more than a great product or engineering talent to stay ahead. It requires relentless innovation, the ability to scale without losing agility, a deep understanding of financial institutions' pain points, and above all, visionary lea
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How Will The Coronavirus Impact The Banking Ecosystem?
Innovation in Banking Demands Supportive Culture from Top Down
The Financial Brand
Consumers Prefer Digital Banking Capabilities Over Branch Proximity
Banking Industry Fails to Meet Personalization Expectations
Voice Payments Take Center Stage as Google and Walmart Partner to Compete with Amazon
Get the Latest in Retail Banking Research
The Future of Banking Depends On Open Banking APIs
Will Augmented and Virtual Reality Replace the Bank Branch?
Digital Payments Approaching Universal Acceptance
The Rise of the Digital-Only Banking Customer
Banking Must Move From Mobile-First to AI-First
Not All Mobile Banking Apps Are Created Equal
The Future of Banking Depends On Open Banking APIs
The Rise of the Digital-Only Banking Customer
AI is the New UI
Top #Fintech Influencer Interview with Jax Finance
Banking Industry Still Taking Small Steps with Big Data
Predictive Analytics is the Future of Financial Marketing
Closing the Digital Divide Between Banks and Customers
Lemonade: The Mobile-Based, AI-Fueled Insurance Industry Disruptor
Needs Identification and Transparency Results in Sales Success
Marketers Unprepared for Data-Driven Future
Jim Marous
DIGiTAL BANKING REPORT
“In the future, the [banking] interface will not be a branch, a computer, or even a phone”
Jim Marous Interview: 2016 Banking Trends Recap
Banking with Apple? Millennials prefer Google, Amazon
Why Do All Banks Look and Feel the Same?
