What does a modern account opening and onboarding stack actually look like — and how does it differ from the legacy core-integrated workflows that most banks still run? This session brings a technology provider and a client institution together to walk through a real implementation: the business case that drove the change, the technical architecture decisions, how decisioning and compliance were embedded without creating new bottlenecks, and measurable outcomes post-launch.

We’ll explore how digital-first onboarding platforms are approaching identity verification, risk decisioning, and cross-sell differently, and what community banks and mid-size institutions can realistically achieve without building everything in-house.