What Competitive Advantages Does MANTL Provide?
MANTL gives banks and credit unions a high-performance account origination engine that turns every channel—digital, branch, and call center—into a faster, lower-friction way to open and fund accounts, grow core deposits, and reduce fraud.
MANTL’s competitive advantage is its ability to act as a single, omnichannel account origination layer that sits on top of any core. Institutions use it to increase application conversion, fund more accounts, and cut manual work by automating decisions, orchestrating KYC and fraud checks, and syncing data in real time across online, in-branch, and call center experiences. Compared with legacy workflows, MANTL helps banks grow core deposits faster, launch digital brands quickly, and lower reliance on wholesale funding while preserving strong compliance controls.
Where Does MANTL Create Competitive Advantage?
How MANTL Changes the Account Origination Game
Think of MANTL as a growth engine plus operations engine for deposits and loans. It rewires how you attract, approve, and onboard customers so your branch and digital teams pull in the same direction.
From Legacy Account Opening → MANTL-Powered Growth
- Unify channels: Replace disconnected online forms and branch workflows with a single omnichannel platform that shares data and status in real time.
- Standardize products & journeys: Design consistent flows for consumer and business deposits (and loans) with clear eligibility, disclosures, and funding rules.
- Automate decisions: Use configurable decision engines, KYC waterfalls, and risk scores to auto-approve most clean applications and escalate the rest.
- Streamline KYC & fraud checks: Orchestrate identity verification, sanctions checks, and fraud screening behind the scenes so customers experience a simple, fast process.
- Modernize branch experience: Equip bankers and call center staff with consoles that let them start, rescue, and complete applications for customers without rekeying data.
- Optimize funding & cross-sell: Encourage higher initial funding, make it easy to open additional accounts, and trigger relevant offers once the relationship is established.
- Measure and iterate: Track conversion, funded rate, time to open, fraud loss, and deposit growth by product, channel, and campaign—and refine with each release.
MANTL Advantage Matrix for Banks & Credit Unions
| Capability | From (Legacy State) | To (With MANTL) | Owner | Primary KPI |
|---|---|---|---|---|
| Digital Account Opening | Complex web forms; channel-only view; slow decisions | Omnichannel origination accessible via web, branch, and call center with streamlined flows | Digital Banking | Application Conversion, Time to Open |
| KYC & Fraud Controls | Manual identity checks; inconsistent rules | Configurable KYC waterfalls, fraud rules, and automated decisioning with clear audit trails | Risk/Compliance | Fraud Loss, Auto-Decision Rate |
| Branch & Call Center Experience | Paper forms, rekeying into core systems | Digital console for staff to launch, assist, and complete applications from a single view | Branch Ops / Contact Center | Employee Time Saved, Assisted Conversion |
| Core & Data Integration | Point integrations to individual cores with limited flexibility | Core-agnostic integration layer that synchronizes customer and account data in real time | IT / Architecture | Integration Effort, Time to Launch |
| Deposit & Loan Growth | Fragmented campaigns; limited visibility into funded outcomes | Data-driven growth engine that ties campaigns to applications, funded accounts, and balances | Marketing / Growth | Funded Accounts, Average Initial Funding, Deposit Growth |
| Change Management & Governance | Ad hoc updates and one-off projects | Roadmap of releases, controlled configuration changes, and shared scorecards across teams | RevOps / Transformation | Release Velocity, Adoption, ROI |
Client Snapshot: Turning MANTL Into a Deposit Growth Engine
A regional institution modernized account opening with MANTL and paired it with revenue marketing programs from The Pedowitz Group. The result: more completed applications, higher funded balances, and a smoother experience for both customers and staff. See how modern marketing and better onboarding work together: Explore the Banking Case Study.
When you combine MANTL with governed growth frameworks like The Loop™ and RM6™, you connect digital account opening, branch operations, and marketing into one system for sustainable, deposit-led growth.
Frequently Asked Questions About MANTL’s Competitive Advantages
Turn MANTL Into Your Competitive Advantage
Pair MANTL’s account origination engine with revenue marketing, data, and enablement so every campaign, branch, and banker contributes to faster deposit and loan growth.
Explore the Banking Case Study Get your growth audit