Swaystack blog
Field notes on onboarding, activation, and engagement banking — plus every partnership announcement as it lands.
Silent Attrition: The Account That Looks Fine on Paper — and Is Quietly Leaving
An account can look active on every dashboard and still be quietly leaving. Here’s how to spot silent attrition in your portfolio — the three signals that separate a primary relationship from a parked account, and what to do about it before it shows up as lost revenue.
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The 4 Levels of Customer Engagement in Banking (And How to Move Account Holders Through Them)
Most banks and credit unions say engagement banking is a priority but almost none can tell you where a given account holder actually stands. Here’s the four-stage framework that fixes that.
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Digital Onboarding Best Practices: How Banks and Credit Unions Turn New Accounts into Active Relationships
Most banks have solved digital account opening. The real challenge is turning new accounts into active, primary relationships. Learn the digital onboarding best practices that drive funding, direct deposits, and long-term engagement.
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Increase Account Openings by Activating Existing Digital Banking Users
Banks and credit unions can increase deposit account openings without increasing ad spend. Learn how activating engaged digital banking users drove a 71% increase in online account openings.
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How Credit Unions Can Fuel Member Growth in a Digital World
In this conversation, Swaystack CEO Har Rai Khalsa discusses why so many new members go inactive after opening an account and what credit unions can do differently to guide members toward funding, direct deposit, and long-term engagement.
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How to Increase Direct Deposit Adoption and Win the Primary Account
Direct deposit is the moment an account becomes primary. Learn why most institutions underperform, what drives paycheck switching behavior, and how guided onboarding increases $200+ deposits in the first 30 days.
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Swaystack and On Tap Credit Union Partner to Eliminate Early-Stage Member Attrition
The team at On Tap Credit Union sought to make that invisible gap visible and turned to Swaystack to help define the markers of early engagement in behavioral, measurable terms.
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Data, Trust & the Death of Product-Centric Banking
A candid FinovateFall conversation on AI adoption, life-stage personalization, and why trust is becoming the defining advantage for modern banking leaders.
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Missed Our Finovate Fall Demo? Here’s the Replay.
Watch our CEO and Co-Founder Har Rai Khalsa’s Finovate Fall demo — see how banks and credit unions are turning account openings into funded, engaged, and lasting relationships.
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CUbroadcast Interview: How Swaystack Helps Credit Unions Compete with Megabanks Via Personalized Digital Engagement
Har Rai Khalsa, CEO, Co-founder at Swaystack, discusses how his fintech can help credit unions better compete with megabanks and neobanks through personalized digital engagement.
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The auto loan customer who never became a member
A busy professional finances a car at a dealership, thrilled to drive off the lot. Your credit union funds her loan, but she never realizes you’re involved. Credit unions finance billions in indirect auto loans, yet fewer than 1% become fully engaged members.
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From CAC to ROI: Turning Growth Investments Into Real Engagement
We explore the growing pressure around CAC in the banking industry, what financial institutions are reporting, and how a smarter, more personalized approach to onboarding and engagement can dramatically reduce those costs while improving customer lifetime value.
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How Financial Institutions Are Optimizing Customer Acquisition Costs & Driving ROI
We explore the growing pressure around CAC in the banking industry, what financial institutions are reporting, and how a smarter, more personalized approach to onboarding and engagement can dramatically reduce those costs while improving customer lifetime value.
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Digital Banking Podcast: Why Community FIs Must Rethink Customer Retention
Josh DeTar and Har Rai Khalsa, CEO of Swaystack, explore the evolving landscape of customer acquisition and retention in community financial institutions. Together, they dive into what it takes for credit unions and community banks to compete with fintechs and mega banks in delivering seamless, user-friendly digital experiences.
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How a $700 introductory bonus won a $7,000,000 member
One day, a college student stumbled across an ad promising a $700 bonus. Years later, that same institution managed over $7 million of his wealth. What transformed a transactional decision into a relationship built on trust and loyalty?
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CU 2.0 Podcast: How to Activate New Members
After spending a few hundred dollars to acquire a new member there’s a 50-50 chance that within a year that member will go dormant. In this episode, Har Rai discusses ideas on how to activate new members.
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Mastering Onboarding and Engagement for Banks and Credit Unions
James Robert Lay (CEO Digital Growth Institute), Corey LeBlanc (co-founder Locality Bank), and Har Rai Khalsa (CEO Swaystack) dive deep into the critical topic of optimizing onboarding and engagement for banks and credit unions.
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How Chime grew to 22 million users!
People love to talk about Chime. In today’s article, we’ll dive into the key onboarding techniques that have helped Chime grow to 22 million users and explore how you can adopt similar strategies to compete.
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Overcoming Onboarding Blind Spots for Banks and Credit Unions
46% of newly opened accounts go inactive within the first year. What can you do about it?
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Why I don’t have money with my credit union
A few months ago, I opened an account at a local credit union. A month later, I still hadn’t set up online banking or direct deposit. When I searched my email for follow-ups or reminders, I found none from my credit union. Instead, I found 12 old emails from Chime showing me how to make the most out of my new Chime account.
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