How Does MANTL Handle Returning Applicants?
MANTL is built to recognize returning applicants, pre-fill known data, and safely reconnect in-progress applications so your bank or credit union can recover abandons, reduce friction, and fund more accounts—without sacrificing identity, fraud, or compliance controls.
MANTL handles returning applicants by matching them to an existing application or customer profile, then securely resuming the journey where they left off. When a consumer comes back—on the same device, a new device, or through a partner link—MANTL can: identify the user, pre-populate prior answers, re-run or reuse decisioning checks where allowed, and guide them back to funding. Banks layer this with marketing and service plays so every “come back later” becomes a measurable, recoverable opportunity instead of a lost account.
What Happens When a MANTL Applicant Comes Back?
Designing the Returning-Applicant Journey in MANTL
To get full value from MANTL, banks and credit unions treat returning applicants as a specific journey with its own tracking, rules, and messaging—not just “another visit” to the application form.
Identify → Reconnect → Reduce Friction → Re-Decision → Fund → Deepen Relationship → Govern
- Identify returning applicants: Align MANTL’s identifiers (email, phone, device, login) with CRM and core banking so you can distinguish a new lead from a returning applicant and personalize paths.
- Reconnect to the right application: Configure short links, email/SMS follow-ups, and authenticated entry points so applicants can resume safely from any channel rather than restarting.
- Reduce friction with pre-fill: Decide what to pre-fill (name, address, product choice, disclosures) vs. what must be reconfirmed; remove non-essential steps for returning users to shorten time-to-funding.
- Handle re-decision and changes: If enough time has passed or risk factors change, rerun IDV, KYC, or credit checks only where policy requires, documenting audit-ready rules and exceptions.
- Fund and activate quickly: Make the returning step all about funding, account setup, and first use (card controls, alerts, digital wallet) so recovered applications turn into engaged accounts.
- Deepen the relationship: Use returning-applicant insights to trigger welcome, onboarding, and cross-sell journeys that match the applicant’s needs and completion history.
- Govern and optimize: Review return rate, resume rate, completion rate, and funded rate by segment and campaign; send winning sequences back into media, email, and branch playbooks.
MANTL Returning-Applicant Capability Matrix
| Capability | From (Ad Hoc) | To (Operationalized) | Owner | Primary KPI |
|---|---|---|---|---|
| Applicant Recognition | Treat every visit like a new application | Deterministic/heuristic matching to in-progress or prior applications | Digital Banking / IT | Returning Applicant Match Rate |
| Save & Resume | Basic “save for later” or none at all | Multi-device, multi-channel resume with secure authentication | Digital Banking | Resume Rate, Time to Resume |
| Form Pre-Fill | Applicants re-enter the same data | Policy-driven pre-fill and reconfirmation for key fields | Risk / Compliance / UX | Steps Completed per Session, Drop-Off Rate |
| Risk & Compliance | One-size-fits-all KYC/IDV on every attempt | Time-bound reuse of checks with rules for re-challenging | Risk / Compliance | Approval %, Exception Rate, Audit Findings |
| Marketing & Journey Orchestration | Generic “finish your application” emails | Segmented, trigger-based plays aligned to MANTL events | Marketing / RevOps | Recovered Applications, Funded Accounts |
| Analytics & Attribution | Clicks and views on the application page | Full path from initial start to return, completion, and funding | Analytics / RevOps | Return→Funded Conversion, Cost per Funded Account |
Client Snapshot: Turning “Come Back Later” into Funded Accounts
A regional bank implemented MANTL alongside journey orchestration to flag and nurture returning applicants. By tightening save-and-resume, aligning follow-up timing with risk rules, and measuring return→funded conversion, they increased funded accounts from abandoned applications by double-digit percentages. See how financial institutions unlock similar gains in this example: Explore the Banking Case Study.
When MANTL events are connected to your CRM and marketing automation, returning applicants become a governed growth lever—not a mystery spike in direct traffic. We help banks and credit unions turn these journeys into repeatable plays that raise funded accounts and lifetime value.
Frequently Asked Questions about MANTL and Returning Applicants
Turn Returning Applicants into Funded Accounts
Pair MANTL’s digital account opening with governed journeys so every “I’ll finish this later” has a clear path back to funding, onboarding, and cross-sell.
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