『Banking Transformed with Jim Marous』のカバーアート

Banking Transformed with Jim Marous

Banking Transformed with Jim Marous

著者： LLH Media
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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.All Rights Reserved 2026 政治・政府 経済学
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  • Stablecoin Threats to Banking

    Stablecoin Threats to Banking
    2026/10/30
    Dr. Lamont Black explains how stablecoins could cost banks and credit unions interchange, data and deposits. This Flashback Friday revisits one of our most popular interviews, recorded in January 2026 with Dr. Lamont Black, a former Federal Reserve economist and finance professor at DePaul University. Dr. Black placed the shift in 2027, once the GENIUS Act takes effect. Since then, the OCC finalized its stablecoin rule on October 21, 2026, and the Act takes effect January 18, 2027. Other regulatory work remains, but banks and credit unions now have a date to prepare for. Dr. Black says interchange loss could reach 5, 10 or 20% in 2027, starting slowly and then building quickly like Apple Pay and Samsung Pay. Merchants like Amazon could accept a stablecoin for about 1% when a card costs closer to 3%, and he suggests checking how much interchange your institution collects on Amazon Prime Day, which he calls material for many institutions. The risk extends to transaction data and to deposits, as customers sweep spending money from checking accounts into stablecoin balances. He also discusses where to start. Dr. Black explains why a wallet that works with existing stablecoins like USDC is a better first experiment than issuing your own coin, which he does not necessarily recommend for most smaller institutions. He recommends education at the board and executive level, then an internal working group across payments, deposits and IT, and argues that small is nimble because you do not have to be big to play in this space. Hosted by Jim Marous. Subscribe to Banking Transformed for new episodes multiple times each week.
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    44 分
  • Is Your Bank Ready for Stablecoins and AI Agents?

    Is Your Bank Ready for Stablecoins and AI Agents?
    2026/10/29
    A Coinbase-commissioned study by The Block Research found that 7 of the 10 largest U.S. banks have tested stablecoins or tokenized deposits for settlement, and the other 3 have signaled plans to follow. The same study found that 73% of screened stablecoin transfer volume over a 12-month period took place outside U.S. banking hours. For a bank or credit union, those numbers raise a direct question about what stablecoin payments mean for deposits and interchange revenue, and how long an institution can wait. Recorded at Money 20/20 in Las Vegas, this conversation is with Pavel Kashuba, Strategic Leader at CoinsPaid Solutions, which runs the back office of stablecoin payments. Pavel explains that cross-border settlement, replacing correspondent banking, is the biggest use among financial institutions today, and why he believes they can do much more. He also describes how differing regulatory definitions across countries slow adoption, and why legacy operations hold progress back, which is why CoinsPaid invests in educating the people who work with the technology every day. Pavel expects AI agents to partner with particular blockchains and to choose which blockchain and token a payment runs on. He says the biggest institutions already have strategic plans, with some hiring people and building software while others sit and wait, and he sees waiting as a strategy too. Jim compares the moment to instant payments, when a group of the largest banks in the country had nobody ready on day one, and asks what every bank or credit union should do today. About Pavel Kashuba: Strategic Leader at CoinsPaid Solutions, which runs the back office of stablecoin payments. Hosted by Jim Marous. Subscribe to Banking Transformed for new episodes multiple times each week.
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    17 分
  • Inside U.S. Bank’s Innovation Culture

    Inside U.S. Bank’s Innovation Culture
    2026/10/28
    Download the Innovation in Retail Banking report: https://www.digitalbankingreport.com/trends/innovation-in-retail-banking-2025/?IV60 U.S. Bank gets customer improvements from idea to launch by tying the work to business priorities, bringing risk in early and setting success measures before work starts, and banks and credit unions of any size can copy the method. Jim Marous is often asked which U.S. banking organization has the most impressive innovation culture, and he never hesitates to say U.S. Bank. Anyone who has changed banks knows the autopayments are what take the time. This Banking Insights episode looks at how U.S. Bank chooses which customer problems to solve and organizes itself to deliver. Two recent announcements, Protect 360 and Payment Switch, came 12 days apart, and Keynova and American Banker have recognized the results. Drawing on his interviews with Dom Venturo, senior executive vice president and chief AI, data and innovation officer, and Don Relyea, Chief Innovation Officer, Jim explains the operating details. Work is tied to business priorities, risk partners get involved while ideas are still taking shape, success criteria are set before work starts, and a clear handoff moves a proven idea to the line of business that will own it. Dom says about 80% of what a new product needs can come from existing tools. Jim also covers what a smaller bank or credit union can take from this. That includes questioning every step customers are asked to complete, putting providers and risk in the first meeting, learning what existing providers already support, and telling employees and customers when something launches. Jim also explains why the recognition U.S. Bank collects goes mostly to improvements customers can see and use, and how the bank tells people what it builds. The episode closes with one question every institution can use to find its next improvement. About: Banking Transformed is hosted by Jim Marous, top five banking industry influencer and Co-Publisher of The Financial Brand. Banking Insights episodes deliver the most important strategic ideas in under ten minutes, for the executive who wants the takeaway without the deep dive. Subscribe to the Digital Banking Report at digitalbankingreport.com.
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    9 分
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