How Does MANTL Connect with Your Existing Core Systems?
MANTL sits between your digital front door and your legacy core, using APIs, secure file exchanges, and orchestration logic to move account-opening data, decisions, and transactions safely into the systems that actually run your bank or credit union.
MANTL connects to existing core systems by acting as a core-safe integration layer. It collects application data in its digital account opening experience, then uses real-time APIs or batched file exchanges to create and fund accounts in the core, update customer records, and pass decisions and status back to CRM, LOS, and digital banking. Rather than replacing the core, MANTL normalizes data, enforces product rules, and orchestrates calls to core, KYC/AML, fraud, and funding services so you can modernize the customer experience without a core conversion.
What Does “Connected to the Core” Really Mean for MANTL?
MANTL–Core Integration, Step by Step
Use this sequence to understand how MANTL plugs into your core, minimizes risk, and unlocks modern digital account opening without a full core replacement.
Discover → Design → Connect → Orchestrate → Test → Launch → Optimize
- Discover your current core landscape: Document which core(s) you use, how products are configured, what integration options exist (APIs vs. batch), and which systems share customer data (CRM, LOS, digital banking, fraud).
- Design the integration blueprint: Define which data MANTL owns (applications, funding, disclosures) and which stays in the core. Map products, fields, and account states so every digital action has a home in the core.
- Connect to the core & services: Stand up secure connections to the core (API gateway, VPN, SFTP), KYC/AML and fraud tools, and payment/funding rails. Apply least-privilege access and vendor risk controls.
- Orchestrate the account-opening flow: Configure MANTL journeys to call the right service at the right time—IDV, risk checks, account creation, funding—and push only the necessary data into the core and servicing systems.
- Test end-to-end with real scenarios: Run happy path and exception path scenarios (e.g., thin-file applicants, OFAC hits, funding failures) to validate that statuses, account numbers, and events are synced correctly.
- Launch with controlled rollout: Start with internal users or a limited geography/segment, monitor performance and exception queues, and refine integration rules before scaling to the full customer base.
- Optimize with data & feedback: Use MANTL and core analytics to track abandonment, approval-to-funding, and time-to-first-transaction. Feed insights into marketing, operations, and product roadmaps.
MANTL & Core Integration Capability Matrix
| Capability | From (Ad Hoc) | To (Operationalized) | Owner | Primary KPI |
|---|---|---|---|---|
| Core Connectivity | One-off scripts or manual keying into the core | Documented, monitored API/SFTP integration between MANTL and core with failover handling | IT / Core Systems | Integration Uptime, Error Rate |
| Product & Field Mapping | Spreadsheet of product codes and manual mapping | Central catalog aligning MANTL products, core product IDs, GL rules, and disclosure sets | Product / Operations | Right-First-Time Account Setup % |
| Decisioning & Risk | Decisions made in isolated tools; rekeyed into core | Orchestrated decisions across KYC, fraud, and credit with structured updates into core and CRM | Risk / Compliance | Approval Rate, Manual Review Rate |
| Data & Analytics | Basic application counts by channel | Unified reporting from application through funded account and early usage across MANTL and core | Analytics / RevOps | Funded Account Growth, Time-to-Funding |
| Compliance & Auditability | Screenshots and ad hoc exports | Audit-ready logs of data flows, decisions, consents, and disclosures across MANTL and core | Compliance / Audit | Exam Findings, Exception Rate |
| Change Management | Risky “big bang” releases | Version-controlled configuration, test environments, and governed rollout for new products and flows | PMO / Digital | Release Quality, Change-Related Incidents |
Client Snapshot: Modern Account Opening on a Legacy Core
A regional bank implemented MANTL on top of a long-standing core system. By standardizing product mapping, tightening integrations, and aligning operations and marketing around funded accounts instead of form submissions, they reduced time-to-funding and lifted funded account growth without a core conversion. To see what this looks like in practice, review the banking case study.
When MANTL is integrated cleanly with your core, you can connect digital account opening, marketing, and servicing into a single growth engine—measured in funded accounts, balances, and relationship depth, not just applications started.
Frequently Asked Questions about MANTL and Core Integration
Turn Core Connectivity into Growth
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