Articles by Jim Marous

Jim Marous is a financial industry strategist, co-publisher of The Financial Brand, and one of the top 5 most influential people in banking.

An important part of digital banking transformation is finding ways to hire, train and retain tech savvy Gen Z workers.

Financial institutions must decide how to prioritize investments to respond to fast technological and competitive changes in the industry.

The role of banks in the future will be as secure contextual data repositories in an open banking ecosystem.

Artificial intelligence is critical to digital banking transformation, improving innovation and delivering proactive contextual solutions.

The progress of digital banking transformation continues to be slower than projected according to new insights.

Financial institutions must rethink how they engage and connect with consumers, using personalized, real-time, and consistent communication.

Creating the ultimate customer experience requires that financial institutions build systems to deliver real-time insights.

Innovation in banking needs to be an ongoing process transcending the entire organization, improving efficiency and the customer experience.

The use of AI as part of digital transformation in banking will reduce costs, improve the customer experience,and limit risks.

It's tempting to ride the profit wave, but if banks don't digitally transform now, they may find future success much harder.

Banks and credit unions must address what skills and jobs the future will require, and how to train, re-train and hire to stay competitive.

The growth in use of digital banking is slowing due to lack of consumer education and outdated mobile apps.

The customer experience at banks and credit unions has not improved measurably, despite significant investments in digital transformation.

N26 and Monzo begin introducing their digital-only accounts in the U.S., hoping success achieved overseas translates to victory in America.

Every institution's digital strategy needs to factor in voice banking, as one in three Americans now own at least one smart speaker.

Becoming a truly digital bank takes more than just new technology. It requires a culture that empowers employees and encourages innovation.

Today's consumers expect improvements that combine better personalization, speed, contextuality and privacy.

With banks struggling to deliver a competitive digital solution, the industry must be wary of research that overestimates branch usage.

Banks and credit unions must leverage data and new martech tools to power their creativity in ways that achieve a meaningful ROI.

The majority of traditional banking organizations continue to be slow to respond to digital competitors. Misleading metrics don't help.

The high-profile venture may be just another cryptocurrency, but the integration with digital wallet Calibra may be the real threat to banks.

Much-awaited report from analyst Mary Meeker can help financial marketers climb aboard key internet evolutions while it still matters.