# The Best Banking Innovation Doesn't Need a Huge Budget

Page: https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931/the-best-banking-innovation-doesn-t-need-a-huge-budget
Text version: https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931/the-best-banking-innovation-doesn-t-need-a-huge-budget.md
Podcast: [Banking Transformed with Jim Marous](https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931)
Published: 2026-06-24T09:00:00+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/FPMN1847965001.mp3
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Duration seconds: 512

## Resource

The best banking innovation isn't about budget. It's about the distance to the customer.Jim Marous unpacks the 16th Edition Innovation in Retail Banking Report from Infosys Finacle and Qorus and explains why most retail banking innovation never reaches scale. Only 31% of initiatives are deployed at scale and delivering, and fewer than 4% of banks have agentic AI running at full scale. The innovations that win share one trait. They become invisible, embedded so naturally into how customers get paid and save that no one even notices the technology. That advantage comes from proximity to the customer moment, not spending power, which is why community banks and credit unions can out-innovate institutions many times their size.Banking Transformed is hosted by Jim Marous, Co-Publisher of The Financial Brand and Owner and Publisher of the Digital Banking Report, with new episodes published multiple times weekly.

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## Transcript

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