Can MANTL Support Both Consumer and Business Accounts?
Yes. With the right configuration, MANTL can power consumer and business account opening on a single orchestration layer—aligning KYC and KYB, routing rules, and product catalogs so your bank or credit union can grow deposits across households and businesses without fragmenting journeys or compliance.
MANTL can support both consumer and business accounts when your institution defines clear onboarding paths for each segment and connects them to your core, LOS, and risk stack. In practice, that means: separate KYC vs. KYB controls, flexible product catalogs (DDAs, interest-bearing accounts, MMAs, specialty business products), role-aware forms for owners and signers, and routing rules that send higher-risk or complex relationships to the right bankers. When these elements are in place, you can run a unified digital account opening experience that covers households, microbusinesses, and commercial entities without creating a second, disconnected platform.
What Changes Between Consumer and Business Onboarding?
Designing a Unified MANTL Experience for Consumer and Business Accounts
Use this sequence to map MANTL to your banking stack so both consumer and business relationships move from started application to funded account with clarity and control.
Define Segments → Configure Products → Orchestrate KYC/KYB → Route Decisions → Fund & Entitle → Activate & Grow
- Define segments & journeys: Retail, microbusiness, SMB, and commercial paths; eligibility rules; branch vs. digital vs. hybrid journeys; stage definitions from app start to funding and activation.
- Configure product catalogs: Map consumer and business products, tiers, fees, and rate structures; define which markets, personas, and channels can see each offer in MANTL.
- Orchestrate KYC & KYB: Configure data capture for individuals and entities, sanctions checks, fraud controls, and beneficial ownership requirements based on business type and risk rules.
- Set routing & decision logic: Use rules to auto-approve low-risk applicants, queue exceptions, and route complex relationships to RMs, branches, or underwriting with clear SLAs.
- Fund & entitle accounts: Enable digital funding (ACH, card, internal transfer), establish signers, set permissions and limits for digital banking, and trigger welcome / onboarding communications.
- Activate & grow relationships: Tie MANTL events to your CRM and MAP so you can orchestrate onboarding, cross-sell, treasury adoption, and card usage campaigns aligned to segment and lifecycle stage.
- Govern & optimize: Review abandonment, approval, and funded rates by consumer vs. business segment; monitor risk outcomes; refine product eligibility, document requirements, and routing rules.
MANTL Consumer & Business Account Opening Capability Matrix
| Capability | From (Ad Hoc) | To (Operationalized) | Owner | Primary KPI |
|---|---|---|---|---|
| Segmented Journeys | Single path for all applicants | Distinct consumer and business flows, tuned to risk, complexity, and product needs | Digital Banking / Product | Completion Rate by Segment |
| KYC/KYB Configuration | Manual review of entity details and ownership | Automated KYC/KYB rules, document prompts, and screening tied to business type | Risk / Compliance | Approval %, Exception Rate |
| Routing & Workflows | Email-driven follow-ups with no SLAs | Queue-based routing to RMs, branches, and underwriting with tracked SLAs | Operations / Branch Ops | Speed-to-Decision, Speed-to-Funding |
| Product & Offer Management | Static product pages and paper applications | Dynamic offers by segment, geography, and channel within MANTL | Product Management | Funded Accounts, Balance Growth |
| Data & Marketing Integration | Limited visibility into which applications turn into funded accounts | Event-level integration to CRM/MAP for onboarding, cross-sell, and campaign attribution | Analytics / RevOps | CPA (Funded), Activation %, ROMI |
| Experience & Accessibility | Lengthy forms that look the same on every device | Optimized mobile and desktop experiences with accessibility built in for all segments | Digital Experience | Mobile Completion Rate, NPS |
Client Snapshot: One Orchestration Layer, Two Growth Engines
One regional bank used MANTL to unify consumer and business account opening. By separating journeys, clarifying document requirements, and routing complex entities to RMs, they cut abandonment, increased funded accounts, and accelerated treasury cross-sell without adding another platform. See how banks turn digital account opening into funded growth: Explore the Banking Case Study.
When MANTL is wired into a governed revenue marketing model, you can design segment-specific plays—from consumer onboarding to SMB and commercial treasury adoption—while still reporting on a single funnel from application to funded account and relationship growth.
Frequently Asked Questions About MANTL for Consumer and Business Accounts
Turn MANTL Into a Growth Engine
We’ll help you design segmented journeys, wire in KYC and KYB, and connect MANTL to your revenue marketing stack so consumer and business accounts move from application to funded relationship faster.
Learn About FI-AI Agent Get your growth audit