How Does MANTL Reduce Account Opening from 20 Minutes to 3 Minutes?
MANTL turns legacy, branch-first onboarding into a 3-minute digital account opening experience by combining modern UX, core integrations, and risk-aware orchestration. When you connect MANTL with revenue marketing, every campaign can drive more approved, funded, and activated accounts with less friction and abandonment.
MANTL compresses account opening from 20 minutes to ~3 minutes by removing non-value-add friction and orchestrating every step—from click to funded account—as one governed journey. That means: short, responsive forms that adapt to the customer, real-time core and KYC integrations that run in the background, device-agnostic UX that works the same in branch or at home, and abandonment rescue flows tied to marketing signals. When paired with revenue marketing, banks can target, qualify, and route the right prospects into MANTL flows and measure success by approval rate, funded rate, time-to-funding, and early balance growth.
What Changes When You Move to a MANTL-Powered Account Opening Journey?
The MANTL + Revenue Marketing Playbook for 3-Minute Account Opening
Use this sequence to transform “20 minutes of paperwork” into a 3-minute, marketing-driven onboarding motion that improves approval-to-funded rate and early balance growth.
Target → Click → Apply → Verify → Approve → Fund & Activate → Cross-Sell → Govern
- Target the right prospects: Use revenue marketing data to identify segments most likely to be approved and profitable (e.g., direct deposit prospects, small business owners, digital adopters).
- Route every click into MANTL: Make every campaign CTA land on a MANTL experience, not a generic product page—so there’s always a clear, fast “Open now in 3 minutes” path.
- Streamline the application: Remove legacy fields, group related questions, and use progressive disclosure so customers perceive “three short steps” instead of a long form.
- Automate verification: Orchestrate IDV, KYC/AML, and risk checks behind the scenes; surface only what the applicant needs to see, with plain-language explanations.
- Instant approvals & funding: Use MANTL’s core integration to present instant decisions where possible and collect funding in the same flow (card, ACH, or external transfer).
- Activate in the same session: Encourage digital banking enrollment, card provisioning, alerts, and direct deposit setup before the customer leaves the flow.
- Cross-sell with intent: Use signals from the onboarding flow (income, product choice, digital behavior) to queue compliant cross-sell plays tied to life and business moments.
- Govern the journey: Review time-to-complete, approval %, funded rate, first-30-day activity, and NPS in a monthly council; prioritize experiments that reduce friction further.
Account Opening Experience Maturity Matrix
| Capability | From (Legacy / 20-Minute Flow) | To (MANTL + Revenue Marketing) | Owner | Primary KPI |
|---|---|---|---|---|
| Application UX | Long, static forms, paper PDFs, multiple trips to branch or separate portals. | Responsive, 3-minute digital flow with dynamic questions and step-by-step guidance. | Digital Banking / CX | Time-to-Complete, Abandonment Rate |
| Identity & KYC | Manual document review, back-and-forth emails, “we’ll call you” delays. | Embedded IDV and KYC/AML checks with clear guidance and instant feedback. | Risk / Compliance | Auto-Approval %, KYC Cycle Time |
| Core Integration | Batch file uploads, overnight processing, manual account setup. | Real-time core connectivity; account numbers and funding confirmed during the session. | IT / Core Banking | Time-to-Funded, Ops Rework |
| Marketing & Analytics | Click and impression reports disconnected from approvals and balances. | End-to-end attribution from campaign→application→approval→funding→early balances. | Marketing / RevOps | Cost per Funded Account, 30-Day Balance |
| Branch + Digital Orchestration | Branch staff re-key data; no visibility into digital drop-offs. | Shared MANTL view where branch, contact center, and digital all see application status. | Branch Ops / CX | Hybrid Completion Rate, Staff Handle Time |
| Experimentation & Governance | One-off UX projects; limited testing and weak feedback loops. | Continuous A/B testing, experiment backlog, and monthly revenue council review. | Digital / Analytics | Lift in Funded Rate, NPS, Digital Adoption |
Client Snapshot: From 20-Minute Paperwork to 3-Minute Digital Account Opening
A regional bank combined MANTL’s digital account opening with a governed revenue marketing program. By simplifying forms, embedding KYC, and routing all campaigns into a single MANTL experience, they cut average completion time from roughly 20 minutes to just a few minutes, improved funded rate, and shifted more accounts to digital-first relationships. Explore how marketing and onboarding work together: Banking Case Study.
When you align MANTL journeys to your revenue marketing plays, every dollar of media and every branch conversation has a clear job: move the right customers into a fast, confident account opening flow and grow balances over time.
Frequently Asked Questions About MANTL-Powered Account Opening
Turn MANTL Into a Growth Engine, Not Just a Faster Form
We’ll help you connect MANTL to your revenue marketing strategy so campaigns, branches, and digital journeys all drive more approved, funded, and activated accounts in minutes.
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