Make more consumers account holders with a fast, efficient application process. INMO enables applicants to open and fund accounts in the same place — whether that's on their phone or in your branch.
Verify and authenticate consumer information. Send and receive documentation. With the efficiencies that come from INMO, you’re free to reimagine the onboarding process.
of application abandonment can be impacted by completion time1
of Gen Z prefers to open accounts on mobile devices2
increase in digital application completion with INMO3
1Digital Banking Report.
2BAI Banking Outlook Special Report: The Top Banking Trends and Challenges for 2022
3Source: Kasasa 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.
INMO operates on any device. Consumers can open and fund accounts at home, on the go, or in your branch.
Applicants can use their debit cards, make ACH payments, or deposit cash at a physical branch.
INMO provides recommendations based on IDV and leaves final decisioning to your team for approval.
INMO automatically generates FIS QualiFile® and Socure IDV reports for every online applicant.
Simplify document sharing between applicants and your financial institution with DocuSign®.
Offering borrowers flexibility is the first step. See your financial institution thrive with data-driven marketing and consultative guidance.
Our multi-channel marketing programs can run as self-serve or full-service plans. That gives you every chance to attract the best account holders in your community.
Let's work together to improve your onboarding process. Our project managers and technical engineers will walk you through every step of implementation.
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.
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.