What is the average ROI from a MANTL implementation?

While results vary by institution, many banks and credit unions see a 2–5x return on investment over 3–5 years from MANTL, with payback often within 12–24 months. ROI is driven by higher completion and funding rates, larger balances, more products per customer, and lower operating costs.

How quickly can a bank or credit union see ROI from MANTL?

Institutions typically see leading performance improvements within the first 90–180 days, such as more completed applications and higher funding rates. Full ROI becomes clearer over 12–24 months as onboarding, cross-sell, and retention programs mature.

What data is needed to calculate ROI on MANTL?

To calculate ROI, capture pre- and post-implementation data on applications, approvals, funded accounts, balances, cost per application and account, fraud and charge-offs, and marketing spend by channel or campaign. Connecting MANTL data to CRM and analytics simplifies this work.

How does MANTL impact branch strategy and staffing?

MANTL shifts simple account opening to digital channels while freeing branches and contact centers to focus on complex needs and high-value relationships. Over time, this can reduce reliance on physical footprint and support more efficient staffing models.

How can a bank ensure it achieves the projected ROI from MANTL?

To realize projected ROI, treat MANTL as a growth program with clear ownership, KPIs, and governance. Align marketing, digital, analytics, and operations teams; build a baseline; review performance monthly; and continuously optimize journeys, offers, and targeting based on data.

What's the average ROI from MANTL implementation?

While every institution’s business case is different, most MANTL implementations pay back in 12–24 months and generate a 2–5x ROI over a 3–5 year horizon. The lift comes from 30–70% more completed digital applications, higher funded-account rates, improved cross-sell, and lower manual processing costs. The fastest-growing banks use MANTL as the front door to relationship growth, tying journeys to metrics like funded accounts, balances, products per household, and lifetime value, not just clicks or applications.

What Drives ROI from MANTL?

More Funded Accounts — A modern, mobile-first account opening experience reduces friction, completions drop-offs, and NIGO rates, lifting application-to-funding conversion.

Higher Balances and Product Depth — Better onboarding, funding flows, and early cross-sell journeys translate into larger opening balances, more products per customer, and faster LTV realization.

Lower Cost to Acquire and Serve — Fewer manual interventions, reduced branch dependency, and automated KYC/AML checks lower the cost per funded account and servicing costs.

Better Fraud & Risk Management — Built-in controls and decisioning reduce fraud losses and operational overhead while keeping legitimate customers moving quickly.

Data to Fund What Works — When MANTL is wired into CRM and analytics, marketing can see which campaigns and offers drive approved and funded accounts, not just traffic.

Scalable Growth Motions — Once the digital front door is working, institutions can expand to new markets and segments with less reliance on physical footprint.

A Simple Playbook to Quantify MANTL ROI

To build a credible business case, you need to move from anecdotes (“the journey is nicer”) to measurable impact on funded accounts, balances, and operating cost per account.

Baseline → Model → Implement → Measure → Optimize

Baseline today’s funnel and cost: Capture current digital and branch metrics: visits, applications, approvals, funded accounts, balances at 30/90 days, and average operational cost per application and account.
Model realistic MANTL uplift: Use credible assumptions for completion, approval, and funding lift, plus operational efficiency gains (e.g., fewer manual reviews, shorter handle time).
Align on ROI metrics and targets: Translate assumptions into a 3–5 year view of incremental funded accounts, balances, NIM/fee revenue, and cost savings.
Implement with measurement in mind: Tag MANTL journeys, wire data to CRM/analytics, and define cohorts for pre/post and A/B comparisons by product, channel, and market.
Measure early wins and refine: Within the first 90–180 days, compare digital and branch performance, refine offers and flows, and publish a ROI scorecard for executives.
Scale and reinvest: Aim to fund MANTL and additional growth plays from its incremental value by reallocating spend to top-performing campaigns and audiences.

MANTL ROI Levers: From Ad Hoc to Operationalized

Lever	From (Pre-MANTL)	To (MANTL + Revenue Marketing)	Owner	Primary KPI
Digital Account Opening	Lengthy forms; high abandonment; inconsistent mobile experience	Streamlined, mobile-first journey with IDV, KYC, and funding built in	Digital Banking	Completion %, Funding Rate
Funding & Onboarding	Manual funding steps, unclear next actions, slow first use	Instant funding, guided onboarding, and activation campaigns	CX/Marketing	Funded Accounts, Active at 30/90 Days
Operational Efficiency	High manual review, paper workflows, branch dependency	Automated decisioning, digital document capture, straight-through processing	Operations/Risk	Cost per Account, Time to Open
Marketing Attribution	Clicks and impressions only; weak tie to revenue	Attribution to approvals, funded accounts, and balances	Analytics/RevOps	CPA (Funded), ROMI
Cross-Sell & Relationship Growth	One-off onboarding emails; limited product depth	Trigger-based offers and journeys mapped to life events	Product/Marketing	Products per HH, ARPU/LTV
Executive Governance	Ad hoc reporting; unclear ownership	Regular ROI reviews with shared scorecards and funding decisions	CRO/CFO	3–5 Year ROI, Payback Period

Snapshot: Turning MANTL into a Growth Engine

A regional bank paired MANTL with governed revenue marketing programs and saw a sustained lift in digital funded accounts and balances over 18 months. By tracking every step from click to funded account, they shifted budget toward the campaigns, audiences, and products that performed best—and used the incremental revenue to fund further digital investments.

To capture full value from MANTL, you need more than a modern front end. You need connected journeys, data, and governance that tie digital account opening directly to funded accounts, balance growth, and ROI.

Frequently Asked Questions about MANTL ROI

What’s a realistic ROI range for MANTL?

Many institutions see a 2–5x return over 3–5 years, with payback often within the first 12–24 months. The exact ROI depends on your baseline digital performance, product mix, markets, and how well you align MANTL with marketing, analytics, and operations.

Which metrics matter most when measuring MANTL ROI?

Focus on funded accounts, balances at 30/90 days, cost per funded account, fraud and loss rates, and products per household. Digital applications, approvals, and click-throughs matter, but they should support those financial outcomes.

How quickly can we expect to see impact?

You can usually see leading indicators (more completed applications, higher funding rates) within the first 90–180 days. Full ROI and lifetime value improvements become clearer over 12–24 months, especially once you tune onboarding and cross-sell journeys.

What data do we need to calculate ROI accurately?

At a minimum, you’ll need pre- and post-MANTL data on applications, approvals, funded accounts, balances, cost per application, cost per account, fraud and charge-offs, and marketing spend by channel or campaign. Tying MANTL to CRM and analytics makes this much easier.

How does MANTL affect branch strategy?

MANTL doesn’t eliminate branches; it changes how you use them. Digital becomes the primary front door for simple products, while branches and contact centers focus on complex needs, high-value relationships, and advisory conversations—all of which can be influenced by MANTL data.

How do we make sure we actually achieve the projected ROI?

Treat MANTL as a growth program, not just a technology project. Align KPIs, connect marketing and analytics, assign owners to each ROI lever, and review performance monthly. Iterate on offers, copy, and journeys based on data, not opinions.

Turn MANTL into Measurable Revenue Growth

We’ll help you baseline performance, model realistic gains, and design journeys that turn MANTL into a repeatable ROI engine for deposits and relationships.

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Banking & Financial Services Growth How Do Banks Increase Funded Accounts? FI-AI Agent for Financial Institutions

What’s the Average ROI from a MANTL Implementation?

What Drives ROI from MANTL?

A Simple Playbook to Quantify MANTL ROI

Baseline → Model → Implement → Measure → Optimize

MANTL ROI Levers: From Ad Hoc to Operationalized

Snapshot: Turning MANTL into a Growth Engine

Frequently Asked Questions about MANTL ROI

Turn MANTL into Measurable Revenue Growth

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