How Does MANTL Compare to Blend for Account Opening?
Both MANTL and Blend promise faster, digital-first account opening. The real question for banks and credit unions is: which platform removes more friction from funded accounts while fitting your core, risk model, and operating model? Use this guide to compare them across customer experience, integrations, compliance, analytics, and change management.
MANTL and Blend are both modern account opening platforms, but they emphasize different strengths. MANTL is often selected for deposit-centric, branch-and-digital account opening with a focus on speed-to-funding and digitally transforming community and regional institutions. Blend is frequently used as a wider lending and workflow platform that can support mortgages, consumer lending, and other use cases alongside deposit accounts. The best fit depends on your product mix, core systems, risk/compliance needs, and change-management appetite—and on how well each platform plugs into your revenue marketing engine to increase approved and funded accounts, not just applications.
Where MANTL and Blend Differ (and Where They Don’t)
An Evaluation Playbook for MANTL vs Blend
Use this sequence to compare MANTL and Blend against your strategy, not just against each other—and to tie your decision directly to funded accounts, digital adoption, and lifetime value.
Define → Benchmark → Diagnose → Design → Pilot → Scale → Govern
- Define outcomes and constraints: Clarify priority products (DDA, savings, CDs, loans), target segments, funded-account targets, risk appetite, and your core/LOS/CRM estate before you look at features.
- Benchmark the current journey: Measure lead→application→approval→funding for current digital and branch flows, including time-to-open, abandonment, fraud kickouts, and manual work in operations.
- Diagnose friction and failure modes: Identify where forms, KYC, disclosures, or handoffs break—then map how MANTL and Blend would address those specific issues in your environment.
- Design target-state journeys: Co-design ideal customer journeys (web, mobile, branch-assisted) with both vendors, including triggers for marketing automation, cross-sell, and abandonment recovery plays.
- Pilot with clear cohorts: Run controlled pilots (products, markets, or segments) and track not just application volume but approved and funded accounts, balances, and fraud outcomes for each platform.
- Scale and embed in marketing: Feed account-opening signals into CRM and MAP so campaigns can target likely to fund audiences and measure effectiveness by funded accounts, not only clicks.
- Govern the vendor relationship: Stand up a joint steering committee with product, risk, ops, and marketing to oversee releases, roadmap alignment, performance, and compliance for MANTL or Blend post-selection.
MANTL vs Blend: Account Opening Capability Maturity Matrix
| Capability | From (Ad Hoc Today) | To (Operationalized with MANTL or Blend) | Owner | Primary KPI |
|---|---|---|---|---|
| Digital Application Experience | Long, generic forms with high abandonment; limited mobile optimization. | Streamlined, mobile-first flows with prefill, dynamic questions, and abandonment rescue configured in MANTL or Blend. | Digital Banking / Product | App Start Rate, App Completion %, NPS |
| Core & Third-Party Integration | One-off integrations to core, KYC, and fraud tools with manual workarounds. | Well-documented, monitored integrations between platform, core/LOS, KYC/AML, fraud, and CRM/marketing systems. | IT / Architecture | Straight-Through Processing %, Exceptions per 1K Apps |
| Risk & Compliance Controls | Scattered policies, manual checks, limited auditability. | Configurable decision rules, CIP/KYC workflows, disclosure management, and full audit logs across MANTL or Blend journeys. | Risk / Compliance | Fraud Loss, SARs, Audit Findings |
| Analytics & Attribution | Click-based web analytics disconnected from approvals and funding. | End-to-end tracking from media and campaigns through apps, approvals, funding, and early usage, fed by platform telemetry. | Analytics / RevOps | Funded Accounts, Cost per Funded, Time-to-Funding |
| Branch & Contact Center Orchestration | Branch and call-center driven by separate systems, no shared view. | Shared visibility into applications and tasks from MANTL or Blend workflows for branch bankers and contact center agents. | Retail / Operations | Assisted Conversion %, Handle Time, Abandonment |
| Change Management & Training | Ad hoc training and limited adoption tracking. | Structured enablement and KPIs for staff adoption of the selected platform, plus continuous improvement sprints. | Change Management / PMO | User Adoption, Error Rates, Time-to-Competency |
Client Snapshot: From Vendor Shortlist to Funded-Account Lift
One regional institution used this evaluation approach to compare modern account opening platforms, align stakeholders, and modernize digital onboarding. By shifting focus from “who has more features” to “who helps us open more funded accounts with less friction and fraud,” they increased funded-account conversion while reducing manual work in operations. See how a structured approach drives outcomes in this banking example: Explore the Banking Case Study.
Whether you select MANTL, Blend, or another platform, the win comes from pairing account opening technology with a governed customer journey map and a financial services revenue marketing strategy that measures success in approved and funded accounts, digital adoption, and relationship depth.
Frequently Asked Questions about MANTL vs Blend for Account Opening
Turn Account Opening into a Growth Engine
Comparing MANTL and Blend is just the start. We’ll help you design the journeys, data flows, and governance that turn your final choice into more approved and funded accounts and stronger relationships.
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