What Breaks During MANTL Implementation?
MANTL can radically improve digital account opening—but only if data, processes, teams, and compliance are aligned. Learn where implementations commonly break, how to prevent failure, and how to protect funded-account growth while you modernize your stack.
Most MANTL implementations don’t “break” because of the software—they break in the gaps between MANTL and your core environment. Failure usually shows up as: unclear ownership between marketing, digital, and operations; inconsistent KYC/AML and risk rules across channels; fragile integrations to core, LOS, CRM, and fraud tools; and journeys that focus on form completion instead of approved, funded accounts. Getting a resilient launch means treating MANTL as a cross-functional change program, not just a front-end upgrade.
Where MANTL Implementations Commonly Break
Building a MANTL Program That Doesn’t Break
Use this implementation playbook to keep MANTL stable from RFP through post-launch optimization—and tie every step back to funded accounts and lifetime value.
Align → Design → Integrate → Govern Risk → Launch → Optimize → Scale
- Align on outcomes and ownership: Define clear goals (funded accounts, time-to-fund, cross-sell), name an executive sponsor, and create a cross-functional squad with marketing, digital, IT, ops, and compliance at the table.
- Design journeys, not just screens: Map current vs. future journeys for new-to-bank and existing customers. Include edge cases: joint, business, youth, trust, and high-risk segments—plus handoffs to branch and contact center.
- Integrate data & identity first: Design how IDs, consent, and product selections will flow between MANTL, core, CRM, LOS, card platform, fraud, and analytics. Decide what constitutes a single customer and a single “account opened” event.
- Govern risk, KYC, and compliance: Align digital and branch risk rules; codify KYC/AML, sanctions, fraud checks, and exception handling inside journeys. Document how disclosures, e-sign, and audit trails will be captured and reported.
- Launch with real-world test cases: Pilot with controlled traffic and a full set of scenarios (products, states, funding sources). Include operational test scripts for operations and branch teams—not only happy-path UX testing.
- Instrument for end-to-end analytics: Track from campaign and page view through approval, funding, and early activation. Align MANTL events with your analytics platform, CRM, and data warehouse so you can calculate real ROMI.
- Scale and iterate safely: Once stable, expand to new products, geographies, and partners with a change-management process that includes risk review, QA, and post-change monitoring.
MANTL Implementation Risk & Readiness Matrix
| Capability | From (Likely to Break) | To (Resilient) | Owner | Primary KPI |
|---|---|---|---|---|
| Program Ownership | Project runs as “digital IT upgrade” without business and ops accountability. | Named sponsor and cross-functional steering group; shared scorecard tied to funded accounts. | Executive Sponsor / PMO | Funded Accounts, Time-to-Launch |
| Core & LOS Integration | Point-to-point integrations; manual workarounds; unclear error handling. | Documented interface contracts, reusable services, robust error handling and monitoring. | IT / Core Systems | Integration Defects, Application Completion→Core Booking % |
| Data, Identity & Consent | Inconsistent IDs, duplicate records, and manual consent tracking. | Unified identity strategy, codified consent and preferences, governed data flows. | Data / RevOps | Match Rate, Duplication Rate, Consent Coverage |
| KYC/AML & Risk | Branch and digital rules differ; exceptions handled ad hoc. | Consistent policies across channels; automated checks with clear exception queues. | Risk / Compliance | Approval %, Exception Volume, Audit Findings |
| Branch & Contact Center Enablement | Limited visibility into digital application status; no clear rescue process. | Shared view of status, playbooks to recover abandons, and scripts for next best product. | Sales / Branch Ops | Rescued Abandons, Appointment→Open %, NPS |
| Measurement & Governance | Reporting focused on clicks and app starts. | Monthly review of funded rate, time-to-fund, activation, and early attrition by channel. | Analytics / Finance | Funded Rate, Cost-per-Funded, 90-Day Retention |
Client Snapshot: Turning a Stalled MANTL Rollout into Growth
A regional bank launched MANTL but saw little movement in funded accounts. By aligning risk rules, fixing core and CRM integrations, and creating branch rescue plays for abandons, they lifted approval-to-funding, cut time-to-open, and gained confidence to expand into new markets.
The lesson: treat MANTL as part of a broader growth system, not a single project. When data, risk, and go-to-market teams are aligned, digital account opening becomes a durable growth engine—not a fragile pilot.
When you frame MANTL as a cross-functional program with clear governance, you reduce implementation risk and create a repeatable path to funded, activated, and profitable relationships.
Frequently Asked Questions About MANTL Implementations
Make Your MANTL Implementation Unbreakable
We’ll help you align teams, stabilize integrations, and design journeys that turn digital applications into funded, activated accounts—with controls that keep risk and compliance comfortable.
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