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.

Personalized, proactive experiences are what consumers want in banking. Data and analytics are ways to deliver, but progress lags badly.

Personalization strategies not only support improved results in customer acquisition and cross-selling. They are now a basic expectation.

Adding a checking account to the Marcus' offerings will make this 6 year-old brand a formidable player in the digital-only banking ecosystem.

Innovation is not only about front-end, online experiences, but technologies, processes and bank leadership changes that must be mastered.

Banks and credit unions must provide data-driven personalized solutions that help consumers become more financially secure.

BofA is counting on huge increases in digital engagement through new products and channels to translate into increased market share.

Banks use data, analytics and technology to satisfy the need to be nimble. But that's just half the digital transformation needed for growth.

To capitalize on BaaS opportunities, banks must develop new solutions by collaborating with the right partners quickly.

The tech giant's startup acquisition could enhance credit card penetration in the U.S. and beyond while improving Apple Pay engagement.

Financial institutions must use data, analytics, machine learning and new technologies to understand and build engagement with customers.

The future of branches is not just about footprint, but how physical delivery integrates with digital capabilities to deliver better CX.

The importance of delivering personalized, omnichannel financial solutions has increased even as 'primary financial account' changes.

CEO Chris Gorman shares KeyBank's digital banking transformation strategy, and how they leverage technology and innovation for growth.

Banking will be far different in 2025 due to competitive changes, accelerated use of digital technology and several surprising factors.

In a world of commodity banking brands, financial players can stand out from competitors by building an emotional connection with customers.

A 'failure analysis' at the beginning of new projects lets team members draw on personal experiences to imagine how setbacks might occur.

Data and AI in banking will improve back-office systems, decisioning, customer engagement, and financial institutions' operating model.

Many of the skills that Olympic champions possess are the same skills that can help banks and credit unions be successful.

To succeed, banks will need to be proactive, forward-looking and open to change, as opposed to building business models around old paradigms.

The ability to share deep insights across the organization is seen as essential for successful digital banking transformation.

As a record number of bank branches are shuttered, those remaining are reimagined for greater efficiency and improved experiences.

The large gap between marketer and consumer perceptions about delivering excellent CX shows that financial institutions have much work to do.