Banking Transformed with Jim Marous

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The Technical Debt Your Vendors Control

September 09, 2026

Your vendor may own the technology debt. Your institution owns the consequences. Technical debt is usually discussed as a money-center bank problem, so community banks and credit unions hear it and go back to work, because they don't write code. But institutions still contracting with a legacy core are paying the maintenance on that provider's accumulated debt. Outsourcing didn't remove the debt; it changed the relationship to it: a large bank can inspect its own and decide what to repair,...

Fifth Third Succeeds Through Empowered Employees

September 08, 2026

Melissa Stevens has a rule at Fifth Third: your employees are your brand. The chief marketing officer of one of banking's strongest regional brands joins Jim Marous to explain how Fifth Third grows relationships from the inside out, by giving its people the data, the insight, and even the influencer status to become the bank's most trusted voices. Stevens makes the case that customers never experience a bank as a marketing campaign. They experience it as the colleague who answers the qu...

Banking’s AI Gap: Faster Tasks, Same Results

September 07, 2026

We won the adoption argument. Every hand in the room. And the income statement didn't notice. Four years ago, Jim Marous asked a room of bankers how many had used an AI tool in their work, and fewer than one in four hands went up. Last week he asked the same question and nearly every hand in the room went up, many of them belonging to bankers over 50. Adoption in the banking industry has moved faster than almost anything Jim has watched in his career. Over the same period, the share of org...