Quontic Bank Boosts Digital Activation to 75% via Alkami and MANTL Integration

Quick Summary

Quontic Bank successfully bridged the gap between account opening and customer engagement by integrating Alkami's Digital Banking Platform with MANTL. This unified digital banking activation strategy increased user registration from 53% to over 70% in under three months, while doubling service requests for joint accounts and debit cards.

How Does Quontic Bank Solve the Onboarding Drop-off Problem?

Digital banking activation is often hindered by fragmented systems that treat account opening and active banking as separate silos. Quontic Bank addressed this by creating a single continuous experience that eliminates the friction of traditional handoffs between onboarding and app registration. By connecting Alkami and MANTL, the bank ensures that customer data flows instantly into the active banking environment.

• Mid-70% activation rate achieved within 90 days of implementation.
• 100% service increase in post-opening requests like direct deposit switching.
• Automated decisioning engine now handles 94% of all new applications.

What Results Has Integrated Onboarding Delivered for Quontic?

The shift toward anticipatory banking technology has allowed Quontic to scale rapidly while maintaining high customer satisfaction. By reducing the account opening time to under three minutes, the bank has successfully attracted a diverse range of "underdog" customers, including gig-economy workers and immigrants. This efficiency has directly translated into measurable deposit growth and improved operational throughput for the branchless institution.

• $800 million raised in total deposits through the MANTL integration.
• 4.8 App Store rating maintained through improved user journeys.
• 5,000 new relationships established during peak growth months.

FF NEWS TAKE:

This announcement moves the needle because it highlights the critical "activation gap" that plagues traditional FIs. By proving that digital banking activation can jump 20% simply by removing a technical handoff, Quontic and Alkami are setting a new benchmark for ROI on acquisition spend. In a high-interest-rate environment where every deposit counts, the ability to turn a lead into an active user in three minutes is no longer a luxury—it is a survival requirement.