"Wait and see” might be the most expensive strategy in banking right now.

In this episode of What’s Going On in Banking, Ron Shevlin and Stacey Bryant unpack the real implications behind Jamie Dimon’s comments and why AI, tokenization, and shifting customer behavior are forcing banks to make decisions now, not later.

They break down the three battles banks are actually fighting: where to invest (branches vs. digital), who owns the customer relationship, and why deposits are becoming more volatile than ever. Along the way, they challenge the idea of “core” customers, call out the slow erosion happening to bank relationships, and explain why most personalization efforts still miss the mark.

This isn’t about what’s coming next…it’s about what’s already happening.

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Chapters:
[00:00] Intro & Financial Brand Forum recap
[07:00] Are bank branches still worth it?
[10:45] “Every budget is a confession”
[15:00] The shift from branches to digital investment
[20:30] The real deposit war begins
[22:30] Fintechs are winning new accounts
[24:30] Why “core deposits” are dead
[26:30] The slow bleed of customer relationships
[30:00] Why personalization has failed banks
[31:30] AI changes the game for personalization
[33:00] Trust vs. privacy in AI
[34:30] From product offers to product design
[36:00] What real personalization actually looks like
[38:30] Where banks go wrong next

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