# Future of Bank Segmentation Is Conversational

Page: https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931/future-of-bank-segmentation-is-conversational
Text version: https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931/future-of-bank-segmentation-is-conversational.md
Podcast: [Banking Transformed with Jim Marous](https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931)
Published: 2026-07-13T10:00:00+00:00
Episode link: https://thefinancialbrand.com/banking-podcasts
Audio file: https://www.podtrac.com/pts/redirect.mp3/chrt.fm/track/A27C8C/traffic.megaphone.fm/PLAS6655765433.mp3
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JSON: https://stenobird.com/v1/public/podcasts/banking-transformed-with-jim-marous-343931/episodes/future-of-bank-segmentation-is-conversational
Duration seconds: 585

## Resource

Your bank has a birth date for every customer and almost no idea who any of them really are. In this Banking Insights Video, Jim Marous argues that age-based segmentation is failing at both ends of the range, the 72-year-old living on his phone and the 22-year-old who wants a human for her first loan, and that the way forward is a better question. He traces how a date of birth became banking's most overused shortcut, what Bank of America's Erica reveals about expressed need at scale, and why the future of segmentation is a conversation. The episode covers why within-generation differences now run deeper than those between generations, how a compliance requirement became a customer-strategy crutch, and a repeatable loop any bank can run: Ask, listen, deliver value, and earn the next question. Hosted by Jim Marous, Co-Publisher of The Financial Brand and host of Banking Transformed. Follow the show so the next one finds you. #Banking #Fintech #CustomerExperience #DigitalBanking #BankMarketing

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## Transcript

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