Having completed over 500 successful online account opening implementations — the experts at Bottomline have compiled research from respected third-party sources, government data, and our own experience in the industry in order to complete this annual outlook report. This report is intended to be a reflection on the current state of digital account opening and onboarding, as well as a look at where it is headed in the next few years, including:

Why well-meaning banks are failing at digital transformation and a seamless account opening process

How to prepare your financial institution for digital transformation and the changes it will bring

Predictions for the future and where the industry is headed next

Why it matters?

Only 12% of banks are fully committed to investing in a digital-first strategy, according to an Accenture report.


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