How Long Does MANTL Implementation Actually Take?
Most banks and credit unions move from signed MSA to a live MANTL-powered account opening experience in clearly defined phases—usually a matter of months, not years. The real timeline depends on your core integration, risk & compliance readiness, product decisions, and change management.
A typical MANTL implementation moves from discovery to the first live product in about one to two quarters when prerequisites are in place. Fast-moving institutions with a modern core, clear product requirements, and executive sponsorship can launch a focused use case (for example, consumer checking) on the shorter end of that range. Complex, multi-line and multi-core rollouts take longer, especially when they require new KYC/AML policies, LOS changes, data model work, and branch or contact center process redesign. What matters most is less the software itself and more how prepared your bank is on integration, risk, content, and change management.
What Really Drives Your MANTL Timeline?
A Realistic MANTL Implementation Timeline
Think of MANTL implementation as a governed program, not a one-off project. This sequence helps you protect customers, keep regulators comfortable, and launch on time—while setting up marketing and sales for funded accounts and lifetime value, not just “applications started.”
Discovery → Design → Integrate → Configure → Test → Launch → Optimize
- Discovery (vision, scope, and constraints) — Align executives on why you’re investing in MANTL (funded accounts, cost-to-acquire, digital growth), which products and geographies are in scope, and what’s non-negotiable from a risk and compliance standpoint.
- Experience & policy design — Define target journeys: which products, which eligibility rules, which offers, which disclosures, and how this experience connects to your website, marketing, and CRM. Document “happy paths” plus exception and manual-review flows.
- Core, LOS, and vendor integration — Connect MANTL to your core, LOS, KYC/fraud tools, and downstream systems (for example, CRM, marketing automation, document archiving). Clarify who owns data mapping, SLA expectations, and error handling.
- Configuration & content — Configure flows, fields, and decision logic in MANTL; create and upload product copy, rate tables, disclosures, emails, and in-app messages. This is where marketing and compliance work hand-in-hand.
- Testing & hardening — Run end-to-end regression testing from ad or website click through account funding and activation. Validate data writes to core/LOS, KYC and fraud rules, reporting, and adverse-action workflows.
- Launch & change management — Train branches, contact center, and marketing; update scripts, FAQs, and internal documentation; prepare support paths for early adopters. Decide on a “quiet” soft launch vs a full campaign launch.
- Optimize & expand — After launch, use analytics to refine funnel steps, reduce drop-off, and optimize offers. Then expand to additional products (for example, savings, CDs, small-business) without re-learning the same lessons.
MANTL Implementation Readiness Matrix
| Capability | From (Ad Hoc) | To (Operationalized) | Owner | Primary KPI |
|---|---|---|---|---|
| Core & LOS Interfaces | One-off integrations, limited documentation, unclear test data | Documented APIs, test environments, error-handling playbooks | IT / Core Team | Defect Rate in UAT, Time-to-Resolve |
| KYC, Fraud & Compliance | Policy decisions made during build; unclear exception handling | Pre-agreed risk thresholds, documentation rules, and manual review workflows | Risk & Compliance | Approval %, Manual Review Rate, Audit Findings |
| Digital Account Opening UX | Generic forms, inconsistent disclosures, high abandonment | Optimized flows with clear progress, contextual help, and mobile-first design | Digital Banking | Completion Rate, Time-to-Open |
| Data & Revenue Attribution | Click-level reports; limited view beyond “applications started” | Tracking from campaign → application → approval → funded account and activation | Analytics / RevOps | Funded Accounts, Cost per Funded, Activation % |
| Change Management & Training | One-time training sessions; outdated PDFs | Ongoing enablement with playbooks, recordings, and knowledge base updates | Ops / HR / Enablement | Adoption, NPS (Staff & Customers) |
| Marketing & Launch Planning | Launch is “just a go-live date” | Coordinated campaigns across paid, owned, and branch channels with a clear offer strategy | Marketing | Applications, Funded Rate, Products per Household |
Client Snapshot: Compressing Time-to-Live with a MANTL Implementation Playbook
A regional bank looking to grow deposits used a structured playbook to align executives, risk, IT, and marketing before build. By locking scope early, documenting core integration patterns, and pre-building launch campaigns, they moved from signature to a live MANTL experience faster—while increasing funded accounts and digital adoption. See how a disciplined approach to implementation connects directly to growth: Explore the Banking Case Study.
When you treat MANTL implementation as a growth initiative—not just a technology project—you get to value faster: more funded accounts, better digital mix, and lower cost-to-acquire. That’s where a revenue marketing partner helps connect platform decisions to measurable outcomes.
Frequently Asked Questions about MANTL Implementation Timelines
Turn Your MANTL Implementation into a Growth Engine
We’ll help your team de-risk the timeline, align stakeholders, and launch a MANTL experience that grows funded accounts and deepens relationships—not just “turn on new software.”
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