Digital account opening
- Omni-product retail and small business customer journeys, supporting a multitude of banking offers, including deposit and lending products
- Mobile-first design, optimizing digital sales and conversion rates
- Innovative workflows allowing bank customers to start, continue and finish applications in any channel in minutes
- A personalized banking experience for business customers including comprehensive digital disclosure and multi-signer support
- Embedded intelligence to identify customers at risk of churn, follow up on abandoned applications and improve cross-sell
- Ability to digitally switch direct deposit information at the end of the account opening experience
Discover the ROI of online
account opening
Survey findings from FI professionals on where they stand in the adoption of digital account opening and benchmarks for ROI.
The ROI of Digital Account Opening
VIEW THE Research report
Digital retail customer onboarding
- Seamless and secure funding utilizing biometrics and passcodes for Apple Pay, Google Pay or ACH
- Digitally sign agreements and disclosures
- Ability to digitally switch direct deposit information at the end of the account opening experience
- Seamlessly integrate into your core and online banking platforms
- Enables the onboarding into additional products such as debit cards and checks
Digital commercial customer onboarding
- Powerful for large corporates, simple for small businesses, and easy for financial institutions
- Custom forms configured for your products and services
- Embedded business logic and business process automation
- Full transparency into the onboarding process
- Customizable analytics to help monitor and improve onboarding team efficiency
Why Digital Banking IQ for Customer Engagement?
higher new account
volume in 2 years
increase in application
conversion rates
increase in auto-approved applicants
Identity verification
- Complete identity data, including a full file of online and social data, to reach previously untapped markets — including the credit-invisible and millennials.
- Built-in machine learning, applied intelligence and dynamic rule setting
- Anomaly detection with real-time monitoring and pattern recognition across hundreds of financial institutions
- Multi-layered solution integrating a variety of best-in-class third-party authentication providers
- Continually measure success of the risk and fraud strategy and optimize on the fly
Banking relationship management
- Give your banking teams a relationship management solution that is easy to use and responsive for any device
- Boost the efficiency of your relationship managers by streamlining lead and referral management
- Fuel your digital transformation and adoption by unifying your data in a single customer view
- Create and orchestrate personalized campaigns and onboarding sequences to ensure a superior, onmi-channel customer experience
Why Bottomline?
Super-Regional Bank Sees Significant New Customer Growth After Nationwide Digital Expansion
The bank understood it would be challenging to make a splash in untapped and competitive markets. For this reason, the bank developed a brand new digital product bundle that, along with supporting marketing campaigns, would be unique enough to stand apart from other offerings in that space.
Find out how one bank achieved a 43% YOY increase in online applications with Bottomline.
“We give members and potential members the chance to strike while the iron is hot. If they see an advertisement about membership, free checking, or a low loan rate, they don’t have to wait to visit a branch. They can open a new account, add checking, get a debit card, or apply for a loan online. We understand their busy lifestyles and we meet them where they are.”
- Chief Information Officer
“We understand the value of offering our clients choices and enabling them to choose whatever option is most convenient for their particular situation. Providing a seamless approach to online account opening strengthens the relationship between the bank, our advisors, and customers.”
-Sherry Sitton, Former EVP of Operations and Technology
“Bottomline’s Digital Banking IQ offered a feature set and user experience that was clearly superior to the competition. The Bank is now poised to win the treasury management fee income and core deposits of larger commercial clients while continuing to service our current base.”
- C.I.O.
Explore the Digital Banking IQ platform
From actionable insights to faster onboarding, the Digital Banking IQ platform is the leading intelligent engagement solution for banking and payments.
Digital Banking IQ for Insights and Analytics
Unify data sources across your organization and deliver actionable insights that are based on a deep understanding of your customers’ needs.
Learn More
Digital Banking IQ for Payments and Cash Management
Unify your commercial customer experience and strengthen payments and cash management services via a platform featuring rich UI and UX capabilities, machine learning and artificial intelligence.
Learn More
Digital Banking IQ for Fraud and Financial Crime Management
Gain security and peace of mind with risk and fraud solutions, offering unparalleled protection from fraud and financial crime, while helping banks comply with regulations.
Learn More
See it in action
Technologies are the key to banking's digital future and often, the existing tech stack is hindering growth. With new technology and new competition, financial institutions have heightened customer expectations for account opening and beyond. See our solution in action.
Intelligent Digital Account Opening and Onboarding Solutions that Drive Customer Growth and Engagement
See It In Action
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