Digital Banking Solutions for Banks and Credit Unions

The 2025 Playbook for Digital Bankers

Welcome to the essential resource hub providing banks and credit unions with additional strategies above and beyond “The 2025 Digital Banking Playbook: Budgeting & Strategies for Banks and Credit Unions”.

Continue your exploration into how to optimize digital sales and service channels, while enhancing account holder satisfaction.

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Learn more about the key outcomes of the 2025 plays
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Learn more about the key outcomes of the 2025 plays

Run the Plays to Achieve these Key Outcomes

  • Play 1: 24/7 Access to Accounts & Money
  • Play 2: Guarding the Financial Institution & Account Holders
  • Play 3: Leverage Data Insights for Diversification
  • Special Play: Artificial Intelligence and Machine Learnin

Bankers Becoming Data-Informed Digital Bankers

Advanced data analytics and AI can turn average bankers into powerful data-informed decision-makers. This transformation allows for more precise targeting, personalized account holder interactions, and improved overall efficiency.
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Channels Becoming Sales Drivers

By creating seamless, user-friendly experiences across all digital touchpoints, banks and credit unions can drive higher engagement and conversion rates.
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Teams Being Efficient and Educated

Teams Being Efficient and Educated

A well-trained and engaged workforce is critical to the success of any digital transformation initiative. An efficient team can execute strategies more effectively, leading to better customer service and operational performance.
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Account Holders Being Safe, Engaged, and Financially Well

Ensuring the safety and engagement of account holders is crucial, and implementing layered security measures and offering personalized financial wellness programs can significantly enhance trust and satisfaction.
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Competitors Identified and Campaigns Activated to Capture Share of Wallet

Competitors Identified and Campaigns Activated to Capture Share of Wallet

By analyzing market trends and competitors, financial institutions can develop targeted campaigns to capture a larger share of the wallet.
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Understand Account Holders and Personalize Their Experience

By actively using transaction data to gain insights into account holder behavior, financial institutions can tailor their services and communications to enhance the account holder experience.
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UX Allowing for Customization and Readying Open Banking Connectivity

UX Allowing for Customization and Readying Open Banking Connectivity

A superior user experience is essential for the success of digital banking platforms. Open banking standards enable seamless data sharing and collaboration with third-party providers, offering more comprehensive services.
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Retail Banking Readiness for 2025 and Beyond

For retail banking solutions, delivering a superior experience is essential for enhancing engagement and satisfaction. Focus areas include:

Customer Service:

Improve self-service by implementing AI-driven chatbots and virtual assistants to provide 24/7 support and resolve issues quickly across various channels.
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Online and Mobile UX:

Provide your users with a high quality, highly performant and reliable digital banking experience, regardless of device type or operating system.
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Financial Literacy and Wellness:

Offer personalized insights, actionable tools, and educational resources to empower account holders to achieve their financial goals wherever they are in their banking journey.
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Transaction and Behavioral Data:

Utilize account holder insights, generated from transaction data analysis, channel and product utilization, to personalize banking services and improve the overall user experience.
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24/7 Access to Accounts & Money Movement:

Simplify digital banking by providing the latest in money movement technology, with built-in security measures. Provide a user-friendly interface that simplifies payments and transfers, while providing ultimate choice, convenience and control for moving money.
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Developer Tools and Third-Party Integrations:

Take control of your roadmap and build a platform that meets the needs of your institution and users. Leverage SDKs and APIs to customize your platform and enable connectivity to the broader fintech ecosystem.
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Business Banking Readiness for 2025 and Beyond

Business banking success in 2025 will require specialized solutions that effectively support business clients of all sizes. Offering tailored business banking solutions will be key to meeting the diverse needs of growing businesses and fostering strong, lasting relationships.

Single Platform Experience for Business & Retail

Enable users to easily switch between multiple profile logins for both business and retail accounts while maintaining the security associated with separate logins.
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Business Banking UX:

Bring consumer-grade ease to business banking solutions, satisfying both businesses and the financial institution administrators that serve them with user-friendly experiences.
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Business Payments:

Ensure intuitive payment and invoicing solutions, self-service user management, and comprehensive cash flow forecasting. Provide tools and resources that help businesses thrive.
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Business Administration:

Evolve the manual processes around user management and feature configuration to an efficient service model at scale. Tailor digital banking experiences to unique business needs, enhancing engagement and deepening relationships.
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Sub User Management:

Simplify digital banking by providing the latest in money movement technology, with built-in security measures. Provide a user-friendly interface that simplifies payments and transfers, while providing ultimate choice, convenience and control for moving money.
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ACH & Check Positive Pay:

Ensure secure and efficient handling of ACH and check transactions by implementing Positive Pay to prevent payments fraud.
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Quick & Actionable Insights:

Deliver immediate, solution-oriented data and reporting through user-friendly dashboards and personalized access to financial information, customizable to fit the diverse work styles of business users.
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Developer Tools and Third-Party Integrations:

Take control of your roadmap and build a platform that meets the needs of your institution and business accounts. Leverage SDKs and APIs to customize your platform and enable connectivity to the broader fintech ecosystem.
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