How Does MANTL Reduce Operational Costs?
MANTL streamlines digital and branch account opening so banks and credit unions can serve more customers with fewer manual steps. By automating decisions, simplifying workflows, and consolidating channels, institutions cut onboarding costs, free up staff time, and refocus teams on growth instead of paperwork.
MANTL reduces operational costs by digitizing account origination across online and branch channels, automating 80–90% of decisions, and eliminating manual re-keying and paper-heavy processes. Institutions see shorter account opening times, fewer errors, and less back-office work, which translates into lower onboarding costs, leaner staffing requirements, and more capacity for revenue-generating activities instead of administrative tasks.
Where Do the Cost Savings Come From?
An Efficiency Playbook: MANTL + Revenue Marketing
To capture the full benefit of MANTL, you need more than software. You need a clear sequence that aligns product, operations, risk, and marketing so every approved account is opened and funded at the lowest possible cost.
Discover → Simplify → Automate → Orchestrate → Measure → Optimize
- Discover your current cost drivers: Map every step in consumer and business account opening, from lead capture to funding. Quantify time, handoffs, and error rates across online and branch channels.
- Simplify the customer journey: Remove unnecessary questions, duplicate data entry, and non-essential steps. Standardize documentation and disclosures by product and risk profile.
- Automate decisions and verifications: Use MANTL to embed KYC, fraud checks, and policy rules so most applications flow straight through without manual review.
- Orchestrate channels and teams: Connect MANTL with CRM, core, and LOS. Ensure branch, call center, and digital channels share a single application record instead of creating separate workflows.
- Measure operational outcomes: Track time-to-open, staff touches per account, application completion rates, and exception queues. Compare operational effort before and after MANTL.
- Optimize staffing and spend: Reallocate staff from manual processing to advisory, treasury, or small business relationship roles. Use cost-per-account and ROI metrics to guide further automation and process redesign.
MANTL-Enabled Operational Efficiency Matrix
| Capability | From (Manual & Fragmented) | To (Digitized & Automated) | Owner | Primary Cost KPI |
|---|---|---|---|---|
| Digital Account Origination | Paper forms, re-keying into core and LOS, high abandonment | Single digital flow that writes to core and CRM with straight-through processing | Digital Banking / IT | Cost per Account Opened |
| Branch Account Opening | One application per product, long appointment times | Bulk account opening with guided workflows and shared data | Branch Operations | Average Handle Time per Visit |
| KYC & Fraud Workflows | Manual document checks and follow-ups | Automated verification and exception queues with clear SLAs | Risk / BSA / Compliance | Cost per Review / False Positive Rate |
| Business Account Onboarding | Highly variable, multi-day account opening processes | Standardized digital workflows with clear checklists and e-signature | Commercial / Small Business Banking | Hours per Account Opened |
| Data & Reporting | Fragmented spreadsheets and anecdotal process metrics | Centralized reporting on cycle times, exceptions, and staffing impact | Analytics / RevOps | Operational Expense per Product Line |
| Revenue Marketing Alignment | Marketing focused on volume, not cost of fulfillment | Campaigns designed around profitable, low-friction account opening journeys | Marketing / Product | ROMI Adjusted for Service Cost |
Snapshot: Lower Onboarding Costs, More Capacity for Growth
Institutions using MANTL report shorter account opening times, higher digital completion rates, and significantly reduced branch workload. Automated decisioning and bulk account opening allow frontline teams to spend less time on forms and more time deepening relationships, improving both efficiency and experience.
When you combine MANTL’s origination technology with governed Revenue Marketing Transformation (RM6™), you turn efficiency gains into measurable growth—linking lower operating costs to higher funded accounts, balances, and lifetime value.
Frequently Asked Questions: MANTL & Operational Costs
Turn MANTL Efficiency into Measurable Growth
Pair MANTL’s origination engine with a governed revenue marketing framework to reduce operational costs and lift funded accounts, balances, and lifetime value across your banking portfolio.
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