Results at a glance
lift in online banking adoption
in annualized deposits from 51 verified direct deposit enrollments
increase in members funding $200+ within the first 30 days
e-statement enrollments, with 80% occurring inside Q2 digital banking
more debit card activity in first 30 days
The challenge
Account opening wasn’t the issue; activation was.
Despite strong digital banking capabilities, many new members failed to:
Enroll in digital banking
Download and use the mobile application
Set up direct deposit
Activate and use their debit card
Go paperless
Without clear guidance, members stalled early in the journey, limiting engagement and deposit growth.
The solution
Gamified onboarding embedded directly inside digital banking.
Through Q2 Innovation Studio, Kohler Credit Union partnered with Swaystack to replace static onboarding with guided, behavior-driven journeys embedded directly within the digital banking experience.
Instead of generic communications, members received timely prompts and incentives to complete key actions at the right moment, including:
Mobile application download
Debit card activation
Direct deposit setup
Paperless enrollment
The impact
Faster activation. More deposits. Stronger digital adoption.
Digital banking adoption
Swaystack helped convert previously inactive members into engaged digital users, driving a ~22% increase in online banking adoption.
Funding and direct deposit growth
By surfacing funding and direct deposit prompts early in the journey, Kohler Credit Union generated $1.4M in annualized deposits from 51 verified direct deposit enrollments and increased the number of members funding $200+ within 30 days by 24%.
Paperless enrollment
Guided prompts resulted in 2,200 paperless enrollments, with roughly half from existing members and 80% occurring within Q2 digital banking.
