MOLLY IRELAN [00:01:00]
Welcome everyone, and thank you for joining us for More than a Feature: Financial Wellness as a Growth Strategy. We’re excited to have you here because financial wellness is becoming much more than a category of tools or content. It’s becoming a meaningful way for financial institutions to strengthen relationships, increase engagement, and help customers and members feel more confident about the decisions they are making.
I’m excited to be your host for today’s session. My name is Molly Irelan. I’m the manager of research and content here at Alkami. Joining me are representatives from three of our alliance partners who are integrated solutions within our digital banking partner ecosystem. Now I will hand it over to each of them to introduce themselves.
WARREN DUNTON [00:01:43]
Hey, everyone. My name is Warren Dunton. I’m a channel manager at Array. Happy to join you today.
LIZ SEITHER [00:01:48]
Hi, my name is Liz Seither, and I’m head of client success at UnifiMoney.
CHUCK HAYES [00:01:53]
And my name is Chuck Hayes. I am EVP of growth for UnifiMoney.
SHAWN [00:01:57]
Hi, I’m Shawn from Spiral, CEO and founder.
MOLLY IRELAN [00:02:01]
Awesome. Thank you so much for joining us. Excited to have our discussion today.
Before we jump into our content, I wanted to give you a brief overview of our agenda. We’ll start with how financial wellness is evolving and how you can show up with relevance for your account holders, starting with establishing a strong financial foundation, growing savings, and expanding their wealth.
So before we start this conversation, let’s dive into our latest report, because here at Alkami, we love our research, and the 2026 generational trends research found that 52% of digital banking Americans look to their primary financial institution for financial education, and 44% wish their primary provider did a better job anticipating their financial needs and goals.
This research makes it clear that account holders expect more than access to their accounts. They’re really looking for experiences that help them make confident financial decisions, and that’s a really important distinction. There’s so much information already available to them, more than ever before. They have articles, videos, calculators, influencers, and tons of advice online. But what they’re really looking for is help making sense of that information. They want to know, what does this mean for me? What should I do next? And can I trust the organization, you, helping me make that decision?
All this information can be a little bit overwhelming, and our recent research emphasizes this by saying that 51% say that managing their finances actually takes an emotional toll on them. So how can you show up and be a trusted, reliable partner in the moments that matter? That’ll really be the focal point of our conversation today.
When we look at the research from that same study, we found that 62% of digital banking Americans who currently bank with a regional or community financial institution still feel like there is a big gap when it comes to the personalized offers that they receive from their primary institution. And that’s a tremendous opportunity for the folks on this call today to better understand their account holders and deliver on their needs and expectations.
A lot of times when we think about personalization, we think about it as cross-sell opportunities, but this is more than a marketing opportunity. Delivering on the niche areas of their banking journey may be an area that you are not an active participant in. So that’s where we want to make sure that we center our conversation and bring in our array of speakers today.
So let’s get into it. When we talk about financial wellness, we’re not talking about a single destination where someone suddenly has everything figured out. Financial wellness is an ongoing journey. It changes as people enter the workforce, start their families, manage debt, raise children, care for parents, prepare for retirement, and protect what they have built. As those circumstances change, the guidance that they need changes as well. And increasingly, people are navigating their journey across many different platforms and apps.
And this is where we start to see that primary relationship looking a bit different. In our latest generational research, we saw that the average number of financial providers that digital banking Americans use to manage their money comes out to about 3.6, and that number changes a lot depending on the actual generations.
Just a quick tidbit and promotion, make sure that you check out that report. We’ll send you a download link later.
But here I want to really emphasize the point that these disparate relationships are across generations. They’re using a variety of different tools to manage their finances when it comes to buy now, pay later, sending money to friends and family, as well as investing, and the list goes on and on.
So the thing here is people are managing everyday expenses, unexpected costs, debt, savings across a growing number of apps. And a person might use their primary financial institution really for only checkings and savings. Maybe they’re considering it more of an operating account at this point. So consumers don’t really understand some of the implications of this, especially as it relates to buy now, pay later, and how that might relate to their own financial wellness. It’s so accessible at nearly every e-commerce platform.
And as we see these new financial behaviors emerge, we saw that among adults ages 18 to 29, 22% of them are actually using buy now, pay later. And among those buy now, pay later users, 11% had a payment trigger, an overdraft, or insufficient funds fee. So the need for protection is just as important as the need for progress.
28% of adults reported experiencing financial fraud or scams in 2025, and these are not isolated product trends. They represent moments when people are deciding what to do with their money, and those decisions may begin outside of your financial institution. So the question is not whether consumers will use new platforms because they already are. The question is whether their primary financial institution can remain relevant by helping them understand the trade-offs, take the next step, and feel protected along the way.
It is to be present earlier with guidance that helps people understand their options, protection that helps them avoid risk, and next steps that are relevant to their goals.
And that really brings us to the framework for today’s conversation around build, grow, and invest. Build is about establishing a strong financial foundation, credit, identity protection, financial confidence, and the knowledge to take the next step. Grow is about making progress, saving more, developing healthy habits, managing cash flow, and reaching meaningful goals. Invest is about building long-term wealth and keeping those financial relationships connected to the institution people already trust.
Before we talk with Warren today, we wanted to do a quick poll. What part of the financial wellness journey do you think could create the most value for your customers and members? Is it building financial literacy and confidence, growing savings and healthy habits, investing for the future, or all three? Please make sure to keep your answer in mind as we explore each stage of the journey.
All right. As we go into this next stage of our conversation, if you have any questions along the way, please make sure you throw those in the chat and we’ll be answering them in real time. And with that, Warren, I’d like to hand it over to you.
WARREN DUNTON [00:08:51]
Well, thank you so much, Molly. It’s nice to be with everyone today. As Molly called out, financial wellness is not just one thing. It’s being there for your members and customers in a number of different ways. So we’re going to have a little bit of fun today and use some recent and not so recent media to talk through how you can help your members weather and grow through their financial trials, through their financial odyssey. So my name is Warren. I’ve been in the industry for over 10 years. I’ve worked with, actually, probably many of you who are on this webinar today as clients. I’ve also worked with other community institutions, local banks, all the way up to nationally chartered credit unions and banks, and then also with digital bank partners like Alchemy. So thank you so much for hosting us.
So today I’m representing Array. Array works with institutions to drive wellness, engagement, and growth. What that means is Array has a financial wellness platform that is not just that one thing, where you can really be there with your members and customers to support them where they are along that journey. Array has historically maybe been viewed as a credit score option. We do work with all three bureaus in addition to FICO. But because of recent acquisitions and development that we’ve done in our business, we actually touch on credit, identity, privacy, and some other items that we’ll get into in a moment. We have over 20 Alchemy clients live on our platform, with an initial five in deployment. So we’re very excited about our partnership with Alchemy.
So like I called out a moment ago, we work across a few key categories. So helping your customers and members build credit, so get a sense of how they can improve their scores with certain behaviors or actions. Identity and security, so how you actually protect a customer or member along that growth journey. Financial management and wellness for tools like debt payoff, subscription management, student loan aid, and then data and offers. So if you’re going to offer these solutions to your customers, and if your goal is to grow as an institution, how do you make sure that you’re offering the right offer at the right point in time to capture that interest and offer something to your customers that will help them grow?
So now let’s get to how we really help your members and customers, and I wanted to start with a personal story. So this summer when “The Odyssey” came out, I was so excited. Christopher Nolan is my favorite director. I made sure to get as early of viewing tickets as I possibly could. It was a Thursday afternoon. I got special permission from my boss. And I got my popcorn and I’m in the lobby and I’m so excited to see Matt Damon, like I know everyone else was. So what happened in the lobby is I got this email that looked really strange. “Hey, Gerald Warren, thank you for your recent application. We regret to inform you that we’re unable to extend you credit.” So I had gone from being so excited for this take on this epic, to in a panic, right? Going on my own, weathering my own trial for my own odyssey. I didn’t know what happened. I didn’t know who Gerald Warren was. The address looked strange. And my information had actually been sold online.
So you may be wondering, Warren, that sounds like a personal problem. 98% of Americans actually have their personal information sold online in a given year, and oftentimes it’s re-exposed. So one thing, I did not view identity or privacy protection as something that a financial service provider, a bank, or credit union may offer. The thinking is, you can really support your membership, your customer base, to build that credit score, right? To pay down that debt. But in an instant, if someone has their identity stolen or their personal information sold, all of that progress can be for naught.
So Array supports Alchemy and its customers in two key ways. The first is with personal info protection, which works on a customer’s behalf to find where information had been exposed on the web, and actually will delete that information from brokers. And then also through Identity Protect, which is another way to see where your information has been exposed online, and also offers identity restoration services.
So within this odyssey, it’s not just one item of one personal finance widget or one instance that happens in a vacuum. Your customers, your members, are getting all of these notifications that can feel totally overwhelming, right? Your debt levels are out of whack. Your debt-to-income isn’t at the right level to qualify for a mortgage. Your student loan payment is due. Your credit score isn’t where you’d like it to be. That’s why Array works with Alchemy to power financial tools your members want all in one platform across these key functions of credit building, identity and security, financial management, and data and offers.
So if I’m here today to talk about growth, one solution that’s new through Alchemy is Build Credit Rent, which is a rent-reporting platform that lets users upload their leases and report their on-time rent payments to the bureaus. It’s available to all renters. So what we found in our research and product build was that a lot of people made payments to individual landlords versus larger groups. There’s minimal friction. And what we also didn’t want to do is put someone in a worse spot because they may already be in a troubling financial situation, so it’s a positive-only reporting, so only those on-time payments are reported to the bureaus.
And what we’re finding in terms of outcomes are really astounding. We’re finding that users who enroll in the Build Credit Rent platform are having an average increase of 46 points in their credit score. And for institutions, it’s also driving a major reduction in those credit-invisible renters. So when institutions come to us interested in this solution, they’re telling us, “Hey, a large portion of our member base or customer base are renters. We want to grow our mortgage portfolio.” So this addresses that one way. Or in the past year, we made credit building really a priority, and we found that those users who were trying to build credit, who were renters, struggled a little bit more. So that’s what this solution is designed to address.
So with all of these solutions available, the goal is to move away from that universe where you’re in the lobby, frantic with all these notifications that maybe your personal information had been sold or anything like that, and just be able to enjoy the movie and Matt Damon. So thank you so much for having me here. With that, I’m going to hand it over to Shawn at Spiral.
SHAWN [00:16:09]
Thank you, Warren. Happy to continue the flow and explain how Spiral helped with financial wellness through offering personalized savings that provide local impact to your communities and enabling embedded experiences that drive core deposits and drive top-of-wallet behavior and retention of your account holders.
First of all, just a little bit about us. We have close to 50 financial institutions across the US, 10 Alchemy clients. We serve anyone from a few hundred million in assets to $40 billion regional banks. And our solutions are really designed to do two things. First, help your account holders with their financial wellness journey, and at the same time, help the bank or the credit union grow low-cost core deposits in a very organic way. How do we accomplish both of those things?
Each of our products are really designed to focus on one area that can help the account holder life. Our savings center is designed to help account holders with the ability to save towards the meaningful goals in their life and find ways and saving habits that actually work within their lifestyle to achieve those goals and automatically move money into their savings account.
The Round-Up Center is designed to enable savings as a day-to-day thing, really through the usage of your debit card and your normal transactions, and the ability to save money a little bit with each transaction. At the same time, it also enables to give back to the community and help others with their financial wellness journey.
The Giving Center, which we’re not going to cover today, is our third product, but that’s designed to help your account holders donate to local nonprofits or to your own foundation. So today we’re going to focus on the two products that we have that are designed to help your account holders save money, and save money easily in a way that fits their lifestyle.
I’ll start with the Savings Center. And the Savings Center was designed to help account holders of all ages. And when we built the product and we studied the behavior of people saving money, we learned there are really two types of savers, people that are goal-oriented and people that are non-goal-oriented. So, it’s time to help both.
Imagine I’m a goal-oriented person. I’ll pick that I want to save for goals. And the next question would be for me, “Shawn, what do you care about?” So let’s say in my case, I want to save for a new home, I want to send my kids to college in 10 years, and maybe I want to save for my next vacation in Mexico. Then it would help me actually set up my first goal. Let’s say in my case, I want to save for a home, I need $40,000, and I want it in a few years timeframe. So I put the goal dates. It automatically calculates I need to save $1,100 a month, and it gives me what we call auto-saving rules, which are gamified automatic ways for me to save money towards my goal. I can pick one, let’s say in this case, a scheduled savings. I want to save $260 on a weekly basis, and I want them to go towards that goal. And, it automatically calculates I’ll save about $13,000 a year.
And the magic is that Spiral takes your existing savings accounts and upgrades them into this powerful savings engine. So what I can see here is that my existing savings account and my financial institution has just been upgraded into the savings center, where I can see the total balance in my account, but I can see those sub-goals or sub-buckets, you can think about them, where my money is actually earmarked to. So I can see how much I’m saving towards the down payment, how much I’m saving toward vacation. And I get a widget that shows me, am I behind? Am I on target?
And not only that, we actually help the account holder save towards their goals or in general to their savings account in a way that fits their lifestyle. So they can pick from a variety of different auto-saving rules, automatic saving rules, anywhere from a round-up, a scheduled savings, or upcoming rules like a deposit day saving, where whenever a large deposit hit my account, a certain percentage of it automatically can move towards my down payment. A certain percentage can move towards my vacation before I start spending that money. Or a card saving, whenever I buy clothes, for example, I can tip myself 5%.
And we have others coming out. For example, our guilty pleasure savings. Whenever I eat out at a restaurant, I can put a limit to my total spend, and if I spend $600 for the month and I only ate for $550, this $50 extra surplus at the end of the month automatically would move towards a goal or in general to my savings account.
The other benefit of our solution is the ability to identify and customize the suggested goals by different age groups. So you might have somebody under the age of 18, and we see an example here where their goals could be completely different from me, a person with two kids at home. So you can have different suggested goals and imagery that really engages with account holders of all age groups. So an 18-year-old may be saving for gaming and style. Somebody between 18 to 22, students, may be saving for first car. And then people between 22 to 30 may be saving to start a family or buy a first home. This is really designed to help each person in their financial wellness journey.
The side benefit of helping your account holder with their financial wellness is that you can also now understand what they’re saving for. So we’re providing very detailed information of what each of your account holders are saving for, how far they are into that goal, and when is that goal date. So now you can also help them with providing the loan that they need. So if we see Sabrina is saving for a new house and she is six months away from her goal and 80% of her goal amount is met, she’s a prime target for mortgage offers that can help her achieve the house of her dreams.
What you can expect in terms of financial wellness, and the ability to actually help the account holders. So we measure, and we see that on average, we’re helping account holders save about $2,000 more on an annual basis. We help you open additional savings accounts. And it can be thousands of accounts, depends on the size of your financial institutions. And majority of those savings actually stay in the savings account after a year, which is a great benefit.
Specifically, when we talk about financial wellness, we want to see how we help the people that need the most amount of help. So we measured inside our partner financial institutions how much account holders save based on their income level. So what we see here is that somebody who makes $25,000 net pay, so this is what we see actually entering their account, which more equates to probably around $30,000 gross pay, up to $77,000, which is more or less like $90,000 gross pay. They’re saving through us between 6 to 10% of their disposable income. That’s incredible because the average savings in the US ranges right now between 2.6% to 3%. So that’s on average more than 4 to 5% what they would have saved otherwise, if at all.
The other way of helping people save more money is through a round-up center. So that’s designed to help account holders save money every time they swipe their card. The round-up center enables you to swipe your card. Let’s say I went to Maggiano’s, I bought some food, round-up went to my savings, but maybe a portion of it I decided to donate towards a meal to a child in need. For example, I booked a hotel, the W, round up went to my savings, but maybe a portion of it went towards a night of safe shelter to somebody in need. The uniqueness of the round-up center, it enables each person to get this dopamine hit that every time they use their card, something positive is happening in their lives. You’re helping them save money, and at the same time, you can differentiate your debit card and checking account.
It literally takes less than 30 seconds to enroll. I can see the widget in Alchemy. I can tap on it, a quick explanation of what is a round-up. And then the next question it would ask me, “Shawn, where do you want to round up, and to what destination account?” You can configure what are the eligible accounts in your case. So maybe in this case, I’ll pick my checking. And what is the destination account? I’ll pick my savings account, but it could be also a money markets account.
Once I decided to enroll, I have an option whether I want to donate a portion of my round-up, and if so, it would give me the ability to choose specific nonprofits that I want to donate to, which can help the community. And this is your option to actually differentiate your brand and choose local nonprofits or your own foundation if you have one.
I can even boost my round-up, so I can add a fixed amount, a dollar to every round-up, or multiply the amount that’s being rounded up. That’s designed to help every person save a little bit more every time they use the card. I can also choose how much I want to save from every round-up and how much I want to donate. I can set it up when I enroll, and then I can actually change it at any time. So somebody may want to save every penny, we’ll move the slider all the way to the right, or somebody wants to donate maybe 20% and also help the community as well.
The side benefit of all of this from a financial institution perspective is you’ll see a significant increase in your monthly card transactions. It can range anywhere from 5% per month more to 31%. And more interestingly, 18% of the people that enroll into the round-up previously had completely dormant debit cards. So that’s a great way to engage with the dormant tail of your membership.
As I mentioned, we have a third product that enables your account holders to donate directly from their account to local fundraisers. So again, from a financial wellness perspective, you can help other people in the community.
And what you can expect from an adoption perspective. So typically we’ll see in the first 12 months, anywhere from 10% to 20% of your account holders that have eligible accounts will be using it on a regular basis to save money. That’s considered really high adoption in banking.
And the other side benefit is when we see what age groups actually enroll. So what you can see here in pink, that’s the average age distribution of the financial institutions we work with, right? So as you know, a lot of community banks and community financial institutions like credit unions trend older. So we see kind of average age in the mid-60s. The green is a distribution of the same account holders from those financial institutions that actually enroll into the Spiral services. And what we see is people all the way from the age of 15 to the age of 95 are using our products. But what you can see, it actually moved the engagement curve far to the left, and it also tells us who are the people that need help with financial wellness, and it’s people actually across all age groups, people even preparing for retirement. But predominantly, it’s people that are younger, right? They’re building their financial lives, whether they just finished high school, whether they got in college, whether they’re building their family, or they’re thinking of sending their kids to college. All of those different life circumstances dictate different type of saving needs.
Thank you very much. I’ll hand it over to Liz and Chuck.
CHUCK HAYES [00:27:56]
My name is Chuck Hayes. I’m the EVP of growth for UnifiMoney, and I’m joined by Liz. Liz, do you just want to give yourself a quick intro?
LIZ SEITHER [00:28:04]
Sure. My name is Liz Seither, and I’m head of client success at UnifiMoney.
CHUCK HAYES [00:28:10]
So UnifiMoney is a self-directed investment platform. The other day, a friend of mine in the credit union industry said it’s a micro-investing tool. Okay, either way is fine with us. We provide the ability for members and customers to purchase stocks, ETFs, funds. We have a robo-advisory, and we also offer cryptocurrency as well.
So why are we here today? We’re here to talk about financial wellness, and our topic is really about winning back wallet share.
So the first question I really want to think about is how much of your customers’ or your members’ financial lives actually live with you? You might have their checking account, their savings account, mortgage, maybe a credit card, maybe their auto loan. But my real question is, where are they investing? For a lot of community banks and credit unions, the answer is somewhere else. They’re using Robinhood, they’re using Fidelity, Schwab, SoFi, Acorns. There’s a litany of them. I can keep on going. But the bigger issue is that just where somebody happens to have an investment account is important because that’s a large piece of a folk’s financial lives.
The true underlying piece of this is that it’s a wallet share issue. It’s a true relationship issue. A lot of financial institutions have traditional wealth management programs. The average penetration for a traditional wealth management program is less than 2% of the customer or the member base. Best-in-class nationwide is 2.5%.
I know earlier Molly had mentioned around the averages, 3.6 apps per consumer. Our research has actually shown that the average consumer has five or six, because if you expand that financial life a little bit further to include things like Credit Karma, or anything money-related, Cash App or Venmo, that starts to really increase the amount of financial solutions that your member base or your customer base is using in the marketplace. And when you think about it, every dollar that a member moves to another platform is another piece of their financial life that you’re no longer participating in.
And I think it’s becoming a bigger problem for community financial institutions because you look at Robinhood as an example, $68 billion last year in AUM. Those funds came from somewhere else. So how much of your member’s financial life actually lives with you? Oh, did I go the wrong way? Yes. Apologies.
So fintechs have really changed what it means to start investing. Robinhood was the catalyst for this, and things like no fee to buy stocks, as an example, the ability to support fractional shares. So if I have a stock that’s worth $100 and I have $10, I can buy a partial of that share. And the biggest part to me is around the friction, right? So if you think about the traditional way, the old way that things happened, and this is not that long ago, right? Over the last five or 10 years, if I had money to invest, I have to call a financial advisor. I have to have a significant minimum investment, and that can be defined by how consumers look at things. But if it’s five grand or 10 grand or 20 grand, you might have to pay an advisory fee. Most likely, you’re going to have to go meet with somebody in person, to have that, and you have to make an appointment to do so.
But that’s not the world we live in anymore. Today, somebody can open an account from their phone. They can invest a few dollars right away. They can buy fractional shares. Because the bar has changed, solutions like UnifiMoney are developed specifically to work with community banks and credit unions to provide an out-of-the-box investment solution for your member base or your customer base. And that really is powerful when you think about keeping those members in your digital ecosystem.
Now, where do you fall in to the wealth management conversation? Guess what? You already have something that every single one of these fintechs out there would kill for. You have the trust of the members, right? You have their main account, so their primary financial institution definition is, do you have their checking account? They’re going into their online banking on a consistent basis to see, did my direct deposit come in? Did my mortgage clear? Now, if you have the opportunity to offer investments as a solution, that member is going to be tied in a little bit tighter with you, and you’re able to keep those relationships longer, right? And that’s the true opportunity in the marketplace.
So we embed directly inside of Alkami online banking, making it seamless for members. They’re able to invest right from their account, right from their checking account with you and purchase immediately stocks or invest in a robo or buy crypto. And that becomes very powerful from a member experience standpoint. So the big takeaway here is you don’t need to build a Robinhood. You don’t need to become a wealth management firm. You can partner with firms like UnifiMoney to provide that solution embedded directly inside your existing technology, your online banking.
Now, we talked at the very beginning of this, our slide was around recapturing relationships. And there’s a large problem in the industry that a lot of members have relationships with these fintechs, right? The Robinhoods and the Sofis and even E-Trade or Schwab or Fidelity. So the first thing that we recommend to understand what this looks like is pull your ACH file, right? See what that looks like.
And the part that we are really focused on is helping recapture relationships. So Liz is going to talk a little bit about, the technical term is ACAT, so it’s account transfer, but she’s going to talk a little bit about that and what we’ve done to solve for a growing problem, which is the outflow of funds to investment providers that are hard to recapture. We’ve built a digital technology to support bringing those folks back.
And as a result of this, we help you grow that wallet share with the members, so much so that we work with a couple financial institutions that have indirect auto as a large portion of their member base. This solution is really interesting when you’re looking at products per member, right? Instead of promoting a checking account or a credit card, self-directed investment is a lighter lift for consumers to engage with.
So with this, I’m going to pass it over to Liz. So Liz, go ahead and take it away.
LIZ SEITHER [00:35:19]
Sure. Thank you, Chuck. So I want to start with a real example from one of our financial institution partners, Radiant. So they’re listed there. Radiant took a look at their ACH files, and they saw that money was leaving their credit union and going to these third-party investment platforms. So their members were investing, but those investment relationships were happening somewhere else. So the question really became for us, how can we help Radiant recapture those relationships? So using Alkami’s segment, I just want to throw that in there, they were able to identify members that were sending money to outside investment platforms. And together with our whole UnifiMoney team, we came together to develop our digital investment transfer process, or ACAT is what Chuck referred to it as.
Chuck, can you go to the next slide for me?
So this next piece, at least on our side, was making it easy for those users to move their investments. What the digital investment transfer process does is it allows for users to transfer eligible investments that they already hold at another investment platform directly into UnifiMoney in kind without having to sell them first, so without a taxable event. And if you look at the experience here, I just want to point out how clean and modern and simple the process is. There’s about three steps for this entire process. Go ahead and click on that for me.
The steps are straightforward, really easy to use, and we want something that could possibly feel complicated, like moving an investment relationship, to feel really simple for the user. So they choose their other brokerage where that portfolio is, enter their account number, hit Continue. Authorize the transfer, and that’s it. In three to five days, their entire investment portfolio at another brokerage will now be moved into UnifiMoney with that financial institution. So overall, we’re really excited about having a process that’s going to help recapture some of those financial relationships.
Looking a little bit deeper into the Radiant example, I think it really reflects how we approach our financial institution relationships. Our technology is one piece, but we really focus on three areas. So that’s going to be innovation, adoption, and marketing. Our goal is really not to just launch a platform, it’s to have a plan for getting members and customers to use it and continue to grow that relationship after we launch. So our go-to-market process approach is very process-driven. We have a defined launch process that takes financial institutions from preparation to a go live, and then into ongoing adoption. We provide a four-week launch guide, coordinate the marketing materials and steps leading to launch, and make sure that all of the right teams are involved.
My role is to really help that process move. I work directly with the financial institution throughout launch, and once we’re live, I continue to look at adoption and we collaborate together on deciding what to focus on next. And that’s going to bring me to promotion.
So, another quick story about a partner of ours came to us and really wanted to improve adoption. So I brought together our marketing team and our compliance team, and we worked with the client to create something specific for their member base. So at a high level, we looked at who they wanted to reach, what kind of offer made sense for their members, and how we wanted to communicate it, and what needed to be reviewed from a compliance standpoint. And then after UnifiMoney building the promotion, we also put together all of the marketing materials that they would need to put it into market. So this is really how we approach adoption for all of our clients. We’re going to start with what the financial institution is trying to accomplish and then bring together all of the right teams to support it while removing the lift from the financial institution to create any content.
Moving on a little bit deeper into that marketing content. So, we take the same approach with marketing collateral, so we can support both large and small financial institutions. If a team has something ready to use, we have standard seasonal content that they can put in the market, or if they want something specific, we can also create custom content. I have a client who, when they were launching to members, they were wanting to launch during a very specific time of year. So for us, we were able to create custom content materials that really reflected that, rather than just handing over something generic.
And I think those, next slide please, these three pillars, innovation, adoption, and marketing, is just really what differentiates us at UnifiMoney. We’re going to continue to improve the product based on what our partners and their members need. We stay involved after the launch to drive usage, and we help communicate the value of the platform through campaigns, promotions, and content. We’re not just providing an investment platform to our clients and then just walk away. We are committed to making the relationship a success.
So our goal is to really be more than just a technology partner. We’re committed to being a long-term partner and making the relationship successful.
CHUCK HAYES [00:40:44]
Cool. Fantastic, Liz. Thank you so much, and thank you everybody for taking the time with us today. If you’re interested, our contact information is on the last slide in the deck that’ll be shared with you.
MOLLY IRELAN [00:40:58]
Today, we heard from three different partners who can help your institution deliver a well-rounded financial wellness strategy. Starting with building a strong financial foundation, empowering consumers to achieve financial goals, and helping them grow their wealth.
We hope you found this session insightful in how you can show up in the moments before a need is expressed with a financial wellness strategy that helps you retain account holders, deliver relevant products and services, and recapture deposits.
If you’re interested in learning how these solutions will complement your growth strategy, please complete the poll on the screen and our team will reach out with more information. And if you’re interested in some of the insights and generational trends that we shared today, please make sure you download the report before you log out of the webinar. Thank you so much for joining us. We hope you have a great rest of your day.
