What Advantages Does MANTL Have Over MX Platforms?
For banks and credit unions, MANTL is built to own the digital account opening funnel end to end—from marketing click to funded account—while MX excels at data and money-management experiences. Used together or separately, MANTL gives you a more controlled, measurable way to grow deposits, reduce friction, and modernize onboarding.
Compared with MX, which focuses on data, insights, and money-management tools, MANTL specializes in digital account opening and onboarding. That gives MANTL clear advantages for institutions that need to launch or fix online account opening fast: deeper core integrations, configurable product workflows, built-in KYC/AML checkpoints, and marketing-to-funding analytics. MX remains a strong choice for PFM, data enrichment, and insights, but when your primary objective is more funded accounts with less friction, MANTL typically delivers more direct, measurable impact.
Where MANTL Stands Out Versus MX
MANTL vs MX: How to Think About the Tradeoffs
You don’t have to choose one over the other forever. Many institutions use MX for data and PFM and MANTL for account opening. The key is deciding which platform should own each part of the digital journey and how to connect them to your CRM, MAP, and core.
From Click to Funded Account with MANTL in the Lead
- Define the role of each platform: Use MX for data enrichment, PFM, and insights; use MANTL to orchestrate account opening, approvals, and funding across products.
- Map journeys and handoffs: Start at the marketing click. Show where MANTL takes over (application, KYC, funding) and where MX data flows back into CRM and personalization.
- Integrate with your core and CRM: Align MANTL’s integrations into core/LOS and your CRM/MAP so that funded accounts and activation events are visible to marketing and sales.
- Standardize KYC/AML checkpoints: Configure MANTL to handle ID verification, sanctions screening, and risk rules; ensure MX data is used to refine risk, not duplicate checks.
- Optimize funnels and offers: Use MANTL’s funnel analytics to test offers, steps, and fields; use MX’s insights to target the right segments and cross-sell downstream.
- Measure the full loop: Track cost-per-approved and cost-per-funded account by channel, then layer in MX’s data to understand usage, balances, and financial health.
- Govern with a revenue council: Bring marketing, digital, risk, and operations together monthly to review approval rate, funded rate, activation, and deposit growth.
Capability Snapshot: From Generic Data Stack to MANTL-Led Account Opening
| Capability | From (MX / Generic Stack) | To (MANTL-Led) | Owner | Primary KPI |
|---|---|---|---|---|
| Digital Account Opening | Custom flows across multiple vendors, heavy IT involvement | Opinionated, configurable MANTL flows for deposits and lending | Digital Banking / Product | Approval %, Funded Accounts, Time-to-Fund |
| Core & LOS Integration | Ad-hoc integrations driven by project work | Pre-built MANTL integrations tuned for onboarding journeys | IT / Architecture | Integration Defects, Time-to-Launch |
| Data & Insights | MX-powered enrichment and PFM data | MX insights plus MANTL funnel analytics tied to funded accounts | Analytics / RevOps | CPA (Funded), Balance Growth, Adoption |
| KYC/AML & Compliance | Checks scattered across multiple systems | Centralized checkpoints and audit trails within MANTL flows | Risk / Compliance | KYC Pass Rate, Exceptions, Audit Findings |
| Marketing Attribution | Click & lead reporting from web analytics | Full-funnel reporting from click to approval, funding, and activation | Marketing / Growth | Cost per Funded Account, Channel ROMI |
| Cross-Sell & Lifetime Value | Reactive campaigns using MX insights | Proactive bundles, triggered offers, and advisor plays using MX + MANTL data | Product / Marketing | Products per HH, ARPU, Retention |
Client Snapshot: Turning MANTL into a Deposit-Growth Engine
A mid-sized bank layered MANTL on top of its existing digital stack, keeping MX in place for data and PFM. By redesigning the account opening funnel, centralizing KYC/AML, and wiring funded-account data into CRM, they increased funded accounts, shortened time-to-fund, and improved cross-sell into cards and high-yield savings—without ripping out upstream analytics.
The Pedowitz Group helps banks and credit unions decide where MANTL, MX, digital banking, and CRM/MAP each fit so you can orchestrate a unified journey from marketing click to funded account to long-term relationship value.
Frequently Asked Questions About MANTL vs MX
Turn MANTL into Measurable Deposit Growth
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