Market Overview

Kasasa® Continues to Experience Ongoing Success with Consumer-Centric INMO Platform


Digital account opening platform with A/B testing helps community
banks and credit unions compete and win

an award-winning financial technology and marketing provider, has seen
tremendous, ongoing success with its online account opening and funding
system, INMO,
which connects to any financial institution's website to create a robust
digital account opening pipeline. Kasasa launched INMO over 10 years
ago, breaking industry trends by leading with user-centric design and
focusing on their institutional partners' goal of driving more funded

Guaranty Bank, a Missouri-based community bank with nearly $1 billion in
assets, launched INMO in 2011. Since offering it, they have seen a large
increase in online openings, and the bank has nearly doubled in asset

"The needs of our bank seem to change just as often as our customers,
and we searched for a product that would help deliver substantial value
and provide even better service to our communities," said Carlye
Wannenmacher, director of marketing at Guaranty Bank. "With INMO, we can
now provide customers full access and usability by offering a
fully-comprehensive digital account opening process. By employing this
fresh, innovative product, we can continue to drive new account growth,
increase consumer engagement and provide relevant products that
customers desire all with ease and flexibility."

With 2017 data
from Kofax stating that more than 46 percent of consumers use only
digital channels for their banking - especially when it comes to the new
account opening process - it is essential for community financial
institutions to make it easy for consumers to do so. Today's consumers
expect a great digital experience, and with Kasasa's online account
opening solution, community banks and credit unions can capture a much
larger market and give consumers what they're looking for. INMO features
a straightforward user experience through a simple three-step process
that has been tested to ensure the best user experience, and it's fully
compliant with all banking regulations for online account opening.

INMO's intuitive interface guides future account holders through the
account opening process, and increases accessibility by being entirely
digital and optimized for all devices. The application process, identity
verification and funding of the new account all happen online or on a
mobile device without ever requiring a consumer to visit the branch.
Applicants can fund their new accounts using a checking account, savings
account or debit card. INMO's mobile optimization process is another
area where INMO leads the market. In 2018 mobile traffic has outpaced
desktop traffic for the first time in history, yet only 20 percent of
sub-$10B institutions support mobile account opening; making INMO more
valuable than ever.

In addition to creating a user-friendly process for consumers, INMO also
organizes a seamless experience for institutions and their employees.
Through a simple export process, new account data is quickly loaded into
the institution's core, and the platform allows for customization,
providing a way for banks and credit unions to limit new accounts to
their community by restricting applications based on a consumer's ZIP
code. Additionally, INMO stores and tracks all leads, enabling
representatives to follow up on all applicants at a later date. The
platform also runs constant A/B testing to uncover the best method to
funnel more completed forms through the online account opening process.
With the implementation of INMO, Kasasa provides ongoing compliance
support, and training resources are included to ensure institutions get
the most out of the tool.

Based in Southeast Wisconsin with over 20,000 members, Fort Community
Credit Union, launched INMO in 2015. As a result, they have also seen a
tremendous increase in online account openings and applications.

"In 2015 we chose INMO to help us with a complete web redesign, and we
couldn't be happier. Many industries outside of ours are already being
held to new accessibility requirements, and now with INMO, we are able
to compete and offer the same convenience to our members," said Marissa
Weidenfeller, director of marketing at Fort Community Credit Union.
"Compared to other credit unions with the same asset size, we are
blowing them out of the water with how many account openings and online
applications we have. I think that's a direct reflection of utilizing
such a fantastic product, and our team members' dedication to our

Robyn Newcomb, vice president of strategic initiatives at Fort Community
Credit Union, opened an account online through INMO and echoes the
sentiment of the product's intuitive design. "FCCU's Online Account
Opening feature is easy and convenient! As a busy, working mom I need
access to tools that help me manage my money on my time. I was
able to apply for an account online within a few minutes and a service
representative reached out to me the next day to finalize the details. I
was impressed with the overall speed, level of service and personal

"A common issue community banks and credit unions face when it comes to
offering the conveniences that consumers crave is that expectations are
now being set by digital giants like Apple and Amazon," said Gabe
Krajicek, CEO of Kasasa. "With INMO, community financial institutions
can provide a fully-responsive digital account opening option, giving
millennials and other tech-savvy customers the ability to open an
account through the channel that is most convenient for them. Best of
all, the platform is optimized to funnel applicants through the process
to return more completed applications, making it easy for a financial
institution's customer service rep to take that application and quickly
turn it into another funded account."

About Kasasa

Kasasa® is an award-winning financial technology and marketing provider.
Based in Austin, Texas, with 400 employees, Kasasa® helps more than 800
community financial institutions establish long lasting relationships
with consumers residing in their local markets through its branded
retail products, world class marketing capabilities, and expert
consulting. The company reinvented checking and is now reinventing
lending through its latest patent-pending offering, Kasasa LoansTM.
Learn more about Kasasa®'s innovation products and services:

Checking Accounts

LoanTM – The only loan with take-backs

& Technology - Connect

That Sell

& Insights

For more information, please visit,
or visit them on Twitter @Kasasa,
or LinkedIn.

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