{"podcast":{"title":"Banking Transformed with Jim Marous","slug":"banking-transformed-with-jim-marous-343931","podcast_index_feed_id":343931,"rss_url":"https://feeds.megaphone.fm/bankingtransformed","website_url":"https://thefinancialbrand.com/podcasts/","image_url":"https://megaphone.imgix.net/podcasts/aaf96f8e-b6fb-11ea-89a5-3756e924605b/image/BT_Rock_Jim_Square_Logo_5-28-23_REV_300_dpi.png?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress","author":"Jim Marous","episode_count":523,"summary":"Are you prepared to embrace change, take risks and disrupt yourself in response to the digital disruption in banking? If not, this podcast is for you. Hosted by top 5 banking and fintech influencer, Jim Marous, Banking Transformed highlights the leadership and cultural challenges facing the banking industry. Featuring interviews with some of the top minds in business, this podcast explores how financial institutions can prepare for the future of banking.","last_synced_at":"2026-07-21T22:19:03.307110+00:00","page_url":"https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931"},"episode":{"title":"The Best Banking Innovation Doesn't Need a Huge Budget","slug":"the-best-banking-innovation-doesn-t-need-a-huge-budget","published_at":"2026-06-24T09:00:00+00:00","page_url":"https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931/the-best-banking-innovation-doesn-t-need-a-huge-budget","show_page_url":"https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931","url":"https://thefinancialbrand.com/banking-podcasts","audio_url":"https://www.podtrac.com/pts/redirect.mp3/chrt.fm/track/A27C8C/traffic.megaphone.fm/FPMN1847965001.mp3","summary":"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.","meta_description":"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 R…","key_points":[],"chapters":[],"topics":[],"duration_seconds":512,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/banking-transformed-with-jim-marous-343931/episodes/the-best-banking-innovation-doesn-t-need-a-huge-budget/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931/the-best-banking-innovation-doesn-t-need-a-huge-budget.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}