INMO® Account Onboarding

Five minutes. Three steps. One easy application.

Convert more consumers into account holders with a fast, efficient application process. INMO enables applicants to open and fund accounts in the same place — whether that's at home, on the go, or in your branch. An optimized user experience removes the pain points that could lead to incomplete applications.

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Revolutionize your back-office processes.

INMO combines multiple systems into a single, simple platform. Identify qualified applicants automatically. Verify and authenticate consumer information. Send and receive documentation online. With the efficiencies that come from INMO, you’re free to reimagine the onboarding process.

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Raise your application completion rate.

40%

of application abandonment can be impacted by completion time¹

37%

of Gen Z prefers to open accounts on mobile devices²

26%

increase in digital application completion with INMO³

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¹Digital Banking Report
²BAI Banking Outlook Special Report: The Top Banking Trends and Challenges for 2022
³Kasasa Analytics. Based on median data from January 2021 through June 2021 comparing digital onboarding solution that requires you to go in-branch to a fully digital experience.

Simplify applications for everyone.

OMNICHANNEL

INMO operates on any device. Consumers can open and fund accounts at home, on the go, or in your branch.

FUNDING OPTIONS

Applicants can use their debit cards, make ACH payments, or deposit cash at a physical branch.

DECISIONING

INMO provides recommendations based on IDV and leaves final decisioning to your team for approval.

VERIFICATION

INMO automatically generates FIS QualiFile® and Socure IDV reports for every online applicant.

DOCUMENTATION

Simplify document sharing between applicants and your financial institution with DocuSign®.

A proven approach to growth.

Online traffic only improves your bottom line when consumers can convert. You can acquire new account holders and deepen those relationships with targeted marketing and dedicated support.

Optimized marketing

Account holder onboarding is just the beginning. Drive engagement with automated lifecycle emails while launching cross-sell campaigns to maximize value per household.

Increase your ROI

Strategic consulting

Project managers and technical engineers simplify implementation. Once INMO is live, your client director will work with you to achieve your deposit goals.

Optimize your strategy

FAQ

INMO can be used with consumer, retail deposit products for checking, savings, money market accounts, and certificates of deposit.

INMO uses Socure IDV to conduct identity verification and identity theft prediction during the account opening process. Experian Precise ID also includes an OFAC check.

How are applicant risk assessments performed?INMO offers integration to your existing FIS QualiFile® (ChexSystems) origination service to include behavioral risk in decisioning.

If your financial institution doesn’t have an existing FIS/ChexSystems relationship, you can establish that relationship to take advantage of this feature. The relationship itself is not included in the pricing like Socure, but the integration is at no additional charge.

Once an applicant is approved, INMO uses integration with DocuSign® to send and deliver any account opening documents that the applicant can sign electronically.

Cash (in branch), ACH, and debit cards. Debit cards are only available through a Kasasa-initiated partnership between your institution and REPAY via an established integration with the INMO platform.

There are no additional costs due to ACH funding files. INMO produces an ACH funding file that your institution delivers through your current ACH processing method. Costs resulting from existing ACH vendor relationships will remain the same.

Open and fund more accounts.

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