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Industry Problems that your Peers have Solved

The same problems holding you back have been solved by your peers. Explore what's possible—learn from their wins, see what's working, and take the next step toward better outcomes for your members and customers.

Problem 1

Digital account opening abandonment is still painfully high

Problem: Applicants start but don't finish deposit/loan applications (especially when steps aren't truly end-to-end digital).

Impact

Lost membership/deposit growth, wasted marketing spend, and staff time chasing "abandoned apps." For deposit products, many institutions see 26–50% abandonment, and a meaningful portion see >50%.

How Your Peers Have Solved It

Frictionless, fully digital onboarding, including pre-filled applications, automated KYC/OFAC, and instant funding to move "interest → activation."

Problem 2

Dormant / indirect / low-engagement members are a silent growth killer

Problem: A large share of the base is "lightly engaged," and many institutions lack a scalable way to re-activate them.

Impact

Low utilization, weak retention, limited loan/deposit penetration, and higher susceptibility to fintech switching.

How Your Peers Have Solved It

The AI Relationship Growth Agent targets dormant/light segments using behavioral + financial signals and drives tailored outreach/offers.

Problem 3

Operational drag: too many manual steps, too many handoffs

Problem: Onboarding and application processing often requires human intervention across document collection, verification, and exception handling.

Impact

Higher cost-to-book, longer time-to-fund, staff burnout, and inability to scale growth without scaling headcount.

How Your Peers Have Solved It

Automates key steps (fraud detection, IDV, doc collection, decisioning) and positions outcomes like major reductions in manual steps and faster instant decisions.

Problem 4

Compliance and governance are becoming "workflow problems," not policy problems

Problem: Policies exist, but execution is inconsistent across channels/teams—especially as volumes grow and staffing is tight.

Impact

Higher audit risk, more exceptions, slower cycle times, and higher unit costs per booked account/loan.

How Your Peers Have Solved It

Compliance checks and decisioning are embedded and automated (front-end stays fast; controls remain consistent).

Problem 5

Fraud + identity verification creates a brutal tradeoff: "fast" vs "safe"

Problem: The onboarding moment is a prime fraud and identity-verification bottleneck; institutions must balance experience with compliance/security.

Impact

Either (a) more friction → more abandonment, or (b) less friction → higher fraud losses and downstream operational cleanup.

How Your Peers Have Solved It

Built-in risk controls: real-time fraud, OFAC, CIP checks (and business validations) integrated into the flow; automated decisioning via Decision Intelligence+.

Problem 6

Cross-sell and wallet-share expansion is inconsistent and too manual

Problem: Most institutions struggle to expand beyond single-product relationships.

Impact

Lower products-per-household, weaker ROA/ROE, and missed "next product" moments (especially within the first 30–90 days).

How Your Peers Have Solved It

Hyper-personalized product recommendations embedded at the end of onboarding + follow-up messaging through the AI Cross-sell Agent and onboarding flows.

Problem 7

Channel inconsistency (mobile/online/branch) breaks trust and conversions

Problem: Members start in one channel and get forced into another (or re-enter data), creating "partially digital" friction.

Impact

Higher abandonment, lower satisfaction, and lost "momentum" during intent-to-open.

How Your Peers Have Solved It

Embeddable widgets + integrations to deliver consistent experiences across ecosystems with minimal IT involvement.

Problem 8

Product agility is slow: launching new deposit/loan experiences takes "projects"

Problem: Digital experiences are hard to roll out across many products without developers or vendor queues.

Impact

Slower response to competition, slower campaign iteration, and missed community/SEG opportunities.

How Your Peers Have Solved It

90+ configurable templates + codeless configuration to brand, launch, and update onboarding flows quickly.

Problem 9

Deposit growth and "primary FI" relationship share are hard to win

Problem: Customers/members keep multiple relationships; winning "PFI status" requires more than just opening an account.

Impact

Lower relationship profitability (less direct deposit, fewer recurring transactions, lower balances) and higher leakage to megabanks/fintechs.

How Your Peers Have Solved It

Use intelligent onboarding and post-onboarding journeys to drive deposit + loan growth via embedded recommendations and follow-up.

Problem 10

Community + SEG growth is under-leveraged (despite being a natural advantage)

Problem: CUs/banks often can't quickly spin up co-branded, segment-specific journeys for SEGs, communities, and partners.

Impact

Lower conversion on high-affinity audiences and slower organic membership growth.

How Your Peers Have Solved It

SEG & Community Engagement flows: co-branded, segment-specific onboarding journeys tailored to partners/campaigns.