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Financial institutions are offering more tools than ever to help account holders improve their financial lives. Yet simply making these tools available doesn’t mean members will engage with them.
Digital Onboarding’s Cross-Channel Engagement Tool surfaces the right tools, offers, and guidance at the right moment, guiding account holders toward the next best action inside digital banking.
Account holders rely on digital banking for convenience, but that also means most sessions are quick and task-focused
Financial institutions are offering more tools than ever to help account holders improve their financial lives. Yet simply making these tools available doesn’t mean they will engage with them.
Digital banking is designed for convenience. People log in quickly between other tasks:
They complete what they came to do and move on.
Which means financial institutions often have only a brief moment to surface relevant tools, services, or opportunities before the session ends.
Digital banking has become the most valuable channel financial institutions own, yet many growth opportunities remain hidden inside it.
Digital banking is often treated as a passive transaction channel. Account holders log in to complete a task and leave, while marketing campaigns across email and SMS drive engagement elsewhere, often back to websites or separate experiences.
Guided engagement brings these interactions together
Instead of relying on account holders to discover tools on their own, financial institutions can guide them through personalized journeys that connect email, SMS, and digital banking experiences. Engagement opportunities are surfaced directly within digital banking through banners and widgets, allowing account holders to take action without leaving their session.
This approach transforms digital banking from a place where transactions happen into a channel where relationships grow.
Connect data, fintech tools, and channels into a single engagement engine that drives action in digital banking sessions
The platform easily pulls in core data and combines it with insights from fintech providers and digital banking activity. Institutions can use this data to build enhanced targeting and support predictive audience building.
Using these insights, institutions can design engagement journeys aligned to key account holder actions and lifecycle moments. Each journey connects digital banking, email, and SMS to guide account holders toward the next meaningful step.
Banners and interactive widgets appear within digital banking platforms such as Banno and Alkami. Account holders can complete actions like setting up direct deposit, enrolling in services, or accepting offers without leaving their session.
Institutions can track engagement, service adoption, and performance across digital banking, email, and SMS channels. A unified analytics view eliminates the need to piece together results from multiple systems.
Financial institutions use the platform to drive a wide range of engagement and growth initiatives. Here are some examples.
Encourage account holders to set up direct deposit directly inside digital banking without leaving their session.
Guide new account holders through remaining onboarding steps such as enrolling in account based services.
Encourage satisfied account holders to refer friends and family by surfacing referral opportunities during their digital banking sessions.
Promote paperless banking by encouraging account holders to enroll in eStatements during their digital banking sessions.
Present personalized pre-approved loan or credit card offers and allow account holders to accept them directly within digital banking.
Notify account holders of upcoming CD maturity dates and guide them through renewal options.
Invite account holders to opt into SMS and email communications to enable ongoing engagement.
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Enable account holders to update subscriptions and recurring payments so their debit or credit card becomes the default payment method.
Banks and credit unions use Digital Onboarding to guide account holders toward meaningful actions and drive measurable engagement across digital channels
UMassFive used automated engagement campaigns to encourage checking account holders to enroll in direct deposit and eStatements. The initiative drove 25% adoption for direct deposit and 22% enrollment in eStatements, strengthening long-term member relationships. Read the full story
TruStone launched a multi-channel digital engagement campaign to encourage members to adopt online banking services. The program exceeded its goal by 263% and enrolled 1,425 members in digital banking, reducing pressure on branch staff. Read the full story
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OCCU used Digital Onboarding to streamline eStatement enrollment for indirect auto loan members. The campaign increased adoption by 50% and reduced enrollment time by 63%, creating a smoother onboarding experience and improving digital service adoption. Read the full story
By promoting its refer-a-friend program inside digital banking, Centric Credit Union made it easy for account holders to invite friends and family during their sessions, generating 159 new referrals from existing members.
Traditional marketing automation platforms were not designed for digital banking environments. They often lack direct access to core and transaction-level data, making meaningful segmentation and targeting difficult.
Even when marketing tools are used within digital banking, capabilities are typically limited to static banners or basic promotions with minimal personalization. In many cases, these promotions redirect users to external landing pages, requiring additional clicks to complete actions that could happen directly within the digital banking experience.
As a result, marketing and growth teams are left with limited content flexibility, disconnected engagement across channels, and little visibility into what’s actually driving adoption of the digital services they’ve invested in.
Why financial institutions choose Digital Onboarding
Financial institutions choose Digital Onboarding because the platform brings together the key elements required to drive engagement both inside and outside digital banking environments.
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