Banking Transformed with Jim Marous

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Episodes: 328

Description

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.

Episode Date
Embracing a Culture of Continuous Innovation at Scale
May 16, 2024
LendingClub's Vision for the Future of Digital Banking
May 14, 2024
Maximizing Your Marketing ROI With Effective Testing
May 09, 2024
What Keeps Financial Executives Up at Night?
May 07, 2024
Generative AI in Banking: From Hype to Value Creation
May 02, 2024
SoLo Funds: The Future of Community Finance
Apr 30, 2024
Unlocking Growth with Seamless Digital Account Opening and Lending
Apr 23, 2024
Alkami Unveils Game-Changing Digital Maturity Assessment Tool for Financial Institutions
Apr 09, 2024
How Community Banks Can Win the Business Banking Battle
Mar 26, 2024
Generative AI Use Cases and Adoption Patterns in Banking
Mar 19, 2024
Key Leadership Trends to Embrace NOW
Mar 12, 2024
Demystifying Pricing of Banking Services
Mar 05, 2024
Hacking Attention: Mastering Social Selling in Banking
Feb 27, 2024
Unlocking Growth by Tearing Down Data Silos
Feb 22, 2024
Building Financial Wellness Strengthens Relationships
Feb 20, 2024
Decoding the Digital Banking Trends of 2024
Feb 13, 2024
Mike Walsh: GenAI Will Unlock the Potential of Human Intelligence
Feb 06, 2024
Beyond Phantom Growth: Building Real Relationships
Feb 01, 2024
Platform Strategies Fuel Innovation and Growth in Banking
Jan 30, 2024
Lessons in Digital Dexterity from Travis Credit Union
Jan 23, 2024
The Increasing Importance of Data Resilience
Jan 18, 2024
Future of Community Banking with Rebeca Romero Rainey of ICBA
Jan 16, 2024
Profiles in Leadership | Megan (Caywood) Cooper
Jan 02, 2024
Adapting for 2024 Banking Success
Dec 26, 2023
Inside Story: Ally & Microsoft Groundbreaking AI Collaboration
Dec 19, 2023
How Emerging Tech, Data and AI are Reinventing Bank Marketing
Nov 28, 2023
Predicting the Unpredictable: Banking's Next Decade
Nov 21, 2023
The Future Normal: Navigating the Next Decade and Beyond
Nov 14, 2023
How Generative AI is Changing the Face of Financial Services
Nov 09, 2023
Generative AI: Hit the Gas or Pump the Break?
Oct 31, 2023
Harnessing Trends to Build a Stronger Future
Oct 24, 2023
Building Deeper Relationships with Data-Driven Journeys
Oct 19, 2023
The Future of Payments is Now: How Banks Can Keep Pace
Oct 12, 2023
Beyond the Hype: How Web3 Will Transform Banking
Oct 10, 2023
Optimizing Consumer Journeys with Data, Technology and AI
Oct 05, 2023
SavvyMoney CEO Explores the Future of Credit Engagement
Oct 03, 2023
Building a Human-Centric Workplace Model for the Future
Sep 28, 2023
Navigating the Future of Hybrid Cloud in Finance
Sep 26, 2023
Engaging Gen Z - Crafting a New Era of Digital Banking
Sep 19, 2023
Embedded Banking: The Imperative Transformation for Digital Success
Sep 14, 2023
Customer Success Principles to Improve Your Customer Effort Score (CES)
Sep 13, 2023
Leadership Journey: From Legacy Bank to Fintech Foundry
Sep 12, 2023
How Generative AI Will Revolutionize Financial Services
Sep 06, 2023
Composable Solutions Enables Scaleable Digital Evolution
Sep 05, 2023
The Security Imperative of Banking Transformation
Aug 31, 2023
Community Financial Institutions: Going Beyond Being Friendly
Aug 29, 2023
Retail Banking Mid-Year Assessment: Jobs to be Done
Aug 22, 2023
The Strategic Advantage of AI Maturity in Banking
Aug 15, 2023
The Promise and Peril of ChatGPT in Banking Part 2
Aug 08, 2023
The Promise and Peril of ChatGPT in Banking Part 1
Aug 01, 2023
The Future of Fintechs in Disrupted Times
Jul 25, 2023
Building Personalized Engagement Across Customer Lifecycles
Jul 20, 2023
Strategic Priorities of Today’s Banks and Credit Unions
Jul 18, 2023
Enhancing Customer Experiences Through Collaboration
Jul 13, 2023
Jenius Bank: A New Digital-Only Bank with a 400 Year History
Jul 11, 2023
Rewiring for Digital Banking Transformation Success
Jul 05, 2023
The Inspirational Journey of a Financial Technology Leader
Jul 03, 2023
Growth Requires an Experience Mindset
Jun 27, 2023
The Evolution and Future of Banking as a Service (BaaS)
Jun 20, 2023
The Strategic Power of Embedded Finance
Jun 14, 2023
The Battle for Retail Banking Deposits Goes Beyond High Rates
Jun 13, 2023
Innovation Driven by Internal and External Collaboration
Jun 09, 2023
The Future of Niche Banks
Jun 08, 2023
The Future of Wearable Technology and Payments
Jun 06, 2023
Money 2020 Europe: AI Takes Center Stage in Banking Transformation
May 31, 2023
Driving Growth with a Financial Marketing Playbook
May 30, 2023
Money 2020 Europe Preview: A Look into the Future of Banking
May 24, 2023
The Final Mile of Data: From Insights to Engagement
May 23, 2023
The Exciting Evolution of the CFO in Business Transformation
May 18, 2023
The Power of Sharing the ‘Why’ for Digital Banking Success
May 11, 2023
Using Data to Deliver a Next-Generation TechFin Platform
May 10, 2023
Communication Strategies to Navigate a Banking Crisis
May 09, 2023
Direct Mail is Dead. Long Live Direct Mail
May 02, 2023
Uprise: A Unique AI-Driven Wealth Management Platform
Apr 25, 2023
More Than Ever, Bad Experiences Kill Customer Loyalty
Apr 18, 2023
Now’s the Best Time for Investing in Modern Banking Technology
Apr 11, 2023
Harnessing the Full Potential of Emerging Technologies in Financial Services
Apr 06, 2023
Supporting Customer Journeys With Data, AI and Better Engagement
Mar 30, 2023
Innovation Requires Connecting Banks with the Right Partners
Mar 28, 2023
Think Big, Start Small, and Act Quickly with Applied Intelligence
Mar 23, 2023
Varo Bank: The Future of Digital Banks After Silicon Valley Bank Collapse
Mar 17, 2023
Digital Transformation Lessons From a $200B Bank
Mar 14, 2023
New Business Models and Growth Opportunities in Banking
Mar 07, 2023
Consumer Payment Preferences are Transforming
Mar 02, 2023
The Power of Omnichannel Communication in Banking
Mar 01, 2023
Banks Must Become Resilient to Continuous Disruption
Feb 28, 2023
Unlocking the Potential of Digital Banking Transformation
Feb 23, 2023
Bankers Like Us Must Make Change Happen
Feb 21, 2023
The Future of Credit Card Marketing
Feb 16, 2023
What is the Potential of ChatGPT in Banking
Feb 14, 2023
Building Banking Loyalty During Volatile Times
Feb 09, 2023
Banking in the Age of Digital Disruption
Feb 07, 2023
Using Data and Digital Technology to Drive Next Generation Customer Experiences
Feb 02, 2023
Many Banks Misunderstand Innovation
Jan 31, 2023
Banking is at the Beginning of the Interface Revolution
Jan 26, 2023
Global Trends That Will Disrupt Finance in 2023
Jan 24, 2023
Banking Must Partner for Digital Transformation Success
Jan 19, 2023
The Future of Open Banking in 2023
Jan 17, 2023
A How to Guide for Digital Transformation at a $25B Bank
Jan 10, 2023
Most Important Workplace Technologies for Banking in 2023
Jan 03, 2023
Connecting the Dots Between Data, Analytics, and Customer Engagement
Dec 27, 2022
Digital Banking Trends and Priorities for 2023
Dec 20, 2022
Data Drives the Future of Branch + Digital Distribution in Banking
Dec 13, 2022
Digital Banking Growth Strategies for 2023
Dec 06, 2022
The Global Potential for Banking and Fintech Collaboration
Nov 29, 2022
Ally Bank: Breaking Through the Noise with Innovation and Relevance
Nov 22, 2022
Fighting Fraud has Become a CX Differentiator
Nov 15, 2022
An Innovation Mindset is Needed in Payments
Nov 10, 2022
How the CBA Will Support Banks During Industry Transformation
Nov 08, 2022
Using AI to Maximize Customer Personalization
Nov 03, 2022
The Future of Banking: Where Everyone Creates Their Own Bank
Nov 01, 2022
Now’s the Time to Pick Battles with Fintech Challengers
Oct 27, 2022
Chase and 10X Banking: Building a Digital Platform for the Future
Oct 25, 2022
Debbie: An Innovative Rewards Platform for Managing Debt
Oct 18, 2022
Conquering the ‘Last Mile’ of Data and Analytics Transformation
Oct 13, 2022
Betterment: Using a Challenger Mindset for Market-Leading Growth
Oct 11, 2022
Humanized Digital Engagement Propels Growth in Banking
Oct 06, 2022
The Future of Open and Embedded Banking at Truist
Oct 04, 2022
Your Back Office: The Missing Piece of Great CX
Sep 29, 2022
MX: The Next Frontier of Money Experiences
Sep 27, 2022
Accelerating Innovation for Financial Institutions of All Sizes
Sep 20, 2022
FedNow: The Future of Instant Payments
Sep 15, 2022
BMO Harris: Promoting Gender Diversity in FinTech
Sep 13, 2022
Ways Technology Can Positively Impact Costs, Efficiency and Reporting
Sep 08, 2022
Turning Information Overload into a Personal Superpower
Sep 06, 2022
The Best Customer Experiences Start with Identity Protection
Sep 01, 2022
How AI is Transforming the Banking Industry
Aug 30, 2022
Using Behavioral Science for Financial Marketing Success
Aug 25, 2022
Reaching Digital Maturity with Continuous Product Design
Aug 18, 2022
Leadership During Times of Uncertainty
Aug 16, 2022
How All Banks Can Now Offer Industry-Leading Digital Mortgages
Aug 11, 2022
Locality Bank: Using Modern Technology to Serve Small Businesses
Aug 09, 2022
Embedded Finance and BaaS: The Future of Banking
Aug 04, 2022
Synovus Bank: The Journey to Become a Digital Bank
Jul 26, 2022
Is Your Data Strategy Future-Ready?
Jul 21, 2022
How to Think Like a Brand and Not a Bank
Jul 19, 2022
Modernizing Payments for an Embedded Banking Future
Jul 14, 2022
Are Big Banks Hurting Competition, Innovation and Equality?
Jul 12, 2022
Identity Fraud is a Customer Experience Opportunity
Jul 07, 2022
Essentials to Transformation Success in Banking
Jul 05, 2022
Be Prepared for the Engagement Banking Revolution
Jun 28, 2022
From Personalization to Profits in Banking
Jun 23, 2022
An Inside Look into Morgan Stanley’s Evolving Brand Strategy
Jun 21, 2022
WeBank: A Model for the Future of Digital Banking
Jun 14, 2022
Delivering Financial Education to Customers and Communities
Jun 09, 2022
Banking Strategies to Withstand an Economic Downturn
Jun 07, 2022
The Unique App That Makes Financial Education Rewarding
May 31, 2022
How Economic Instability Will Impact the Banking Industry
May 26, 2022
How to Make ESG a Cornerstone of Your Bank’s Business Model
May 24, 2022
How Banking Can Win Big in the Subscription Economy
May 19, 2022
How Banking-as-a-Service has Made Webster Bank Future-Ready
May 17, 2022
Reimagining Customer Engagement with Intelligent Texts
May 12, 2022
Banking on the Metaverse
May 10, 2022
Why New Banks are Taking Over the World
May 03, 2022
7 Steps to Building a Winning Content Marketing Strategy in Banking
Apr 28, 2022
Marcus Acquires Fintech Firms to Become Dominant Banking Power
Apr 26, 2022
Low-Code/No-Code Fuels Agile Digital Banking Transformation
Apr 21, 2022
Should Bankers Fear Apple’s Future Growth Strategy?
Apr 20, 2022
Reimagining The Future of Digital Delivery at Capital One
Apr 19, 2022
Using Data to Acquire, Engage and Retain Banking Customers
Apr 14, 2022
Simplifying Bank Marketing in the Age of Complexity
Apr 12, 2022
How Sofi Intends to Become the Center of the Financial Universe
Apr 05, 2022
Customer Identity: Balancing Security and Seamless Experiences
Mar 31, 2022
Can Traditional Banks Keep Up With Payments Transformation?
Mar 29, 2022
How Bank of America Personalizes Financial Wellness for 67 Million Customers
Mar 22, 2022
Financial Institutions Can No Longer Ignore Cryptocurrencies
Mar 17, 2022
Reimagining Money Experiences in Banking
Mar 15, 2022
How to Make Banking Better in 2022
Mar 08, 2022
KeyBank: Leveraging Targeted Scale for Differentiation and Growth
Mar 07, 2022
The Future of Commerce Includes Digital Currency
Mar 03, 2022
Blockchain, NFTs, Web 3.0, and Technologies Enabling the Metaverse
Mar 01, 2022
Why AI and Machine Learning is The Future of Bank Differentiation
Feb 17, 2022
OakNorth: A Blueprint for Future Bank Success
Feb 15, 2022
Retail Banking Trends to Watch in 2022
Feb 08, 2022
How Banks Can Create a White Label Response to BNPL Threat
Feb 04, 2022
Improving Financial Health for All Requires Unprecedented Action
Feb 01, 2022
In-House Incubator Creates Innovation Within Legacy Provider
Jan 27, 2022
Nova Credit: Helping Immigrants Realize the American Dream
Jan 25, 2022
Payments Innovation Drives Growth at American Express
Jan 18, 2022
Technology Drives the Customer Experience at Chase
Jan 11, 2022
Open Banking is the Foundation for Digital Transformation
Dec 28, 2021
U.S. Bank: A Case Study in Digital Banking Transformation Success
Dec 21, 2021
Contextual Engagement Requires Better Use of Data and AI
Dec 16, 2021
Looking to 2022 and Beyond: New Rules for a New World
Dec 14, 2021
Banking Differentiation Through Relentless Innovation
Dec 07, 2021
Designing a Future-Ready Branch Network
Dec 02, 2021
The X1 Credit Card: A Unique Option for Younger Consumers
Nov 30, 2021
A Solution to Future-Proof Legacy Banking Platforms
Nov 24, 2021
Square: An Increasingly Strong Player in Financial Services
Nov 23, 2021
Masterclass in Innovation, Transformation and the Future of Banking
Nov 16, 2021
Digital Core Transformation as a Catalyst for Success
Nov 11, 2021
The Business Case for Financial Inclusion in Banking
Nov 09, 2021
How Data, Speed and Simplicity Can Drive Loan Growth
Nov 04, 2021
The Power of Data, Analytics and the Cloud in Bank Marketing
Nov 03, 2021
Building an Emotional Connection in Banking
Oct 26, 2021
Modernizing Complex Banking Customer Engagements
Oct 21, 2021
The Rise of Technosocialism: An Opportunity of a Lifetime
Oct 19, 2021
5 Keys to a Successful Data-Driven Strategy in Banking
Oct 14, 2021
Smaller Banks Risk Losing Digital Customers
Oct 12, 2021
The Need to Create Differentiated Digital Banking Experiences
Oct 07, 2021
Buy Now, Pay Later: A Digital Solution to an Age Old Problem
Oct 06, 2021
The Great Banking Debate Rewind
Oct 05, 2021
Mastering Quantum Marketing in Banking
Sep 28, 2021
Digital Banking Pioneer Shares Secrets of Success
Sep 21, 2021
How to Create an Inclusive Digital Experience
Sep 16, 2021
The Importance of a Challenger Mindset
Sep 14, 2021
The Increasing Need for Talent, Inclusion and Diversity in Banking
Aug 31, 2021
Creating Lovable Experiences Through Innovation Simplicity
Aug 24, 2021
What Happens When Every Brand is a Bank?
Aug 17, 2021
Bitcoin: The Next Battlefield for Retail Banking Customers
Aug 10, 2021
How Innovation Can Accelerate Digital Transformation
Aug 04, 2021
Digital Transformation: Not Just for Big Banks
Jul 29, 2021
Winning the Battle for Trust Against Fintech Firms
Jul 27, 2021
Differentiation Requires Personalized Digital Banking Experiences
Jul 20, 2021
LendingClub is Well Positioned for Future Growth
Jul 13, 2021
Why a Big Bank Executive Jumped to a Digital Credit Union
Jul 06, 2021
Bad Data Sells, Better Data Serves
Jul 01, 2021
How Microsoft Embraced Data Transformation
Jun 29, 2021
Keys to Success for Community Banking
Jun 22, 2021
Turning Market Disruption Into Innovation Opportunity
Jun 15, 2021
How Banking Can Thrive in a Post-Pandemic Reality
Jun 08, 2021
Driving Digital Sales in Financial Services
Jun 01, 2021
The Importance of a Modern Banking Platform
May 27, 2021
The Evolution of the Branch Strategy at Citi
May 25, 2021
Using Data and Insights to Drive Growth in Banking
May 18, 2021
The Future of Payments is Fast, Seamless, Safe and Embedded
May 13, 2021
What Defines a Digital Banking Winner?
May 11, 2021
The History of Fintech Transformation
May 04, 2021
The Importance of Global Payments Functionality
Apr 29, 2021
Improving Customer Experiences With Alternative Data
Apr 27, 2021
Is the Future of Community Banks at Risk?
Apr 20, 2021
Winning in a World of Digital Giants
Apr 13, 2021
Secrets of a Rockstar Chief Digital Banking Officer
Apr 06, 2021
Innovation in Digital Account Opening and Onboarding
Apr 01, 2021
Digital Banking Transformation During Uncertain Times
Mar 30, 2021
Rethinking the Future of Distribution
Mar 25, 2021
Speed, Simplicity and Empathy Drive CX in Banking
Mar 23, 2021
The Business Case for Sustainability and Doing Good
Mar 16, 2021
How to Compete for Buy Now, Pay Later (BNPL) Customers
Mar 09, 2021
The Rise of Big Tech Platforms in Banking
Mar 02, 2021
The Product Expansion Strategy of Marcus by Goldman Sachs
Feb 23, 2021
The Power of a Data-Driven Culture at TD Bank
Feb 16, 2021
Digital Transformation Success at a $60 Billion Bank
Feb 09, 2021
Google: Friend or Foe to Legacy Banks?
Feb 02, 2021
Personalized Videos: The Future of Customer Engagement
Jan 26, 2021
How to Win in the Experience Economy
Jan 19, 2021
What's Next: 2021 Banking and Fintech Trends to Watch
Jan 12, 2021
How to Build the Best Mobile Banking App
Jan 05, 2021
Keys to Successful Leadership in the Future
Dec 29, 2020
Digital Banking Transformation Never Stops at Chase
Dec 22, 2020
Tinkoff: Russia’s Challenger Bank of the Future
Dec 15, 2020
Starling: Not Your Typical Challenger Bank
Dec 08, 2020
How Will Banking Evolve as We Enter 2021?
Dec 01, 2020
Closing the Gender Gap in Banking and Fintech
Nov 24, 2020
Delighting Customers by Removing Friction from Banking
Nov 17, 2020
Building a Culture of Innovation in Times of Crisis
Nov 10, 2020
Banking Can't Ignore The GenZ Potential
Nov 03, 2020
The Future of Banking Starts Now
Oct 27, 2020
WeBank: The Most Advanced Digital Bank in the World
Oct 20, 2020
The Role of Banking in the Future of Digital Identity
Oct 13, 2020
Can Two Legacy Banks Become a Digital Banking Leader?
Oct 07, 2020
OCC Provides Path For Banking Revolution
Oct 06, 2020
Jumpstarting Your Career During a Pandemic
Sep 29, 2020
Most Digital Lending Not Ready for Prime Time
Sep 25, 2020
How to Build a Digital Banking Lifestyle ‘Super App’
Sep 22, 2020
Dave: A Digital Banking Platform for the Underserved
Sep 15, 2020
BankMobile: From Fintech Bank to TechFin Platform
Sep 08, 2020
Varo: The First Nationally Chartered Fintech Bank
Sep 01, 2020
Wealthfront: Transforming From a Robo-Advisor to a Digital Bank
Aug 25, 2020
Financial Marketing Takes Center Stage
Aug 18, 2020
How COVID-19 Redefined Consumer Expectations in Banking
Aug 11, 2020
The Power of Social Media Influencers in Banking
Aug 04, 2020
COVID-19 Provides Wake-Up Call for Cloud Banking
Jul 28, 2020
What Makes Navy Federal a Perennial CX Leader?
Jul 21, 2020
Challenger Bank Grows by Supporting Financial Inclusion
Jul 14, 2020
CaixaBank: Innovation Drives Digital Transformation
Jul 07, 2020
How Citi Maintains Customer Loyalty During a Pandemic
Jun 30, 2020
Marcus by Goldman Sachs: Digital Banking Built for the Consumer
Jun 23, 2020
Four Seismic Shifts That Are Changing Banking
Jun 16, 2020
Banking Must Move Beyond Rhetoric On Social Issues
Jun 09, 2020
Is There a Fintech Fallout on the Horizon?
Jun 02, 2020
Why COVID-19 Will Stimulate Innovation in Banking
May 26, 2020
Data and Advanced Analytics: A Key to Survival
May 19, 2020
Leadership Excellence in Crisis: An Interview with Tom Peters
May 12, 2020
How Fintech Unicorn Lemonade is Disrupting Insurance
May 05, 2020
COVID-19 Impact on Future of Retail Banking
Apr 29, 2020
The Digital Banking Tipping Point
Apr 28, 2020
COVID-19 is Fast-Tracking Digital Transformation
Apr 21, 2020
The Future of Work Post COVID-19
Apr 15, 2020
Financial Irrationality During COVID-19 Crisis
Apr 14, 2020
Building a Culture-Driven Virtual Bank
Apr 07, 2020
Banking Must Improve Financial Wellness For All
Mar 31, 2020
COVID-19 Will Change the Way Consumers Bank Forever
Mar 26, 2020
Organizations Should Double Down on Innovation Now
Mar 25, 2020
Marketing During Times of Disruptive Change
Mar 24, 2020
How AI Can Revolutionize Banking
Mar 17, 2020
Globalization of Fintech and Banking in the Age of Disruption
Mar 10, 2020
Transforming Customer Experiences with Personalization
Mar 03, 2020
The Importance of Attracting Rebel Talent
Feb 25, 2020
Why Digital Transformations Fail
Feb 18, 2020
Cultivating a Disruption Mindset
Feb 11, 2020
China: Emergence of a Tech and Innovation Superpower
Feb 04, 2020
The Chinese Fintech Revolution
Jan 28, 2020
Current State of Digital Banking Transformation
Jan 21, 2020
The Technology Fallacy
Jan 14, 2020
Banking Distribution Strategies for the Next Decade
Jan 07, 2020
How to Win Tomorrow's Digital Consumer
Dec 31, 2019
Biggest Fintech Winners of 2019
Dec 24, 2019
The Future of Fintech Investments
Dec 17, 2019
The Importance of Customer Success Management
Dec 10, 2019
Keys to Becoming a Digital Bank
Dec 03, 2019
Reinventing the Customer Experience in a Digital World
Nov 26, 2019
The Power of Design in Digital Transformation
Nov 19, 2019
AI and the VoiceFirst Revolution
Nov 12, 2019
One-on-One With Steve Wozniak
Nov 07, 2019
Personal Growth During Times of Digital Disruption
Nov 05, 2019
Principles of Becoming an Algorithmic Leader
Oct 29, 2019
The Power of Open Innovation Platforms
Oct 22, 2019
A Practitioner’s Guide to Digital Transformation
Oct 15, 2019
How Mobile Drives Digital Transformation
Oct 08, 2019
Building One to One Digital Relationships
Oct 01, 2019
A Futurist's View of Banking and Technology
Sep 24, 2019
It's Time to Rethink the Innovation Process
Sep 17, 2019
The Magic of Digital Transformation at Disney
Sep 11, 2019
Contextual Data is Changing the Future of Banking
Sep 03, 2019
Leadership Lessons for Bankers from the Former CMO of Kodak
Aug 14, 2019
How to Humanize Digital Experiences in Banking
Aug 13, 2019
Status Quo is Not an Option with Gary Vee
Aug 13, 2019