Missed timing
By the time a customer walks into a branch or calls in, they've often already applied elsewhere. Digital channels have no mechanism to surface the right offer at the right moment.
SOLUTIONS
Stop Losing Loans to Competitors. Start Winning Them Back.
Movemint surfaces personalized pre-approved loan offers and invitations to apply to your customers—in real time, across every channel—converting intent into funded loans before they apply somewhere else.
$194M+ in loans funded. Up to 6x higher response rates. Proven across credit unions and community banks.
THE CHALLENGE
Your Customers Are Borrowing Elsewhere. You Already Have the Relationship.
The average financial institution loses 60–70% of its customers' borrowing to outside lenders. Not because competitors offer better rates—but because they get to customers first, with a faster, more personalized experience.
Your team knows who's creditworthy. Your data shows who needs a loan. But without a system to act on that intelligence in real time—at the moment customers are most receptive—those opportunities go to someone else.
Disconnected channels
Your lending team, digital banking platform, and contact center operate independently. A customer can be pre-approved in your system and never know it.
Low-relevance outreach
Broadcast campaigns—same offer, everyone—produce low response rates and high opt-out risk.
HOW MOVEMINT WORKS
The Right Loan Offer. The Right Customer. The Right Moment.
Movemint integrates natively into your digital banking platform and extends into branch, contact center, and outbound channels—creating a coordinated, always-on loan growth engine.
How it works:
1. Identify
Movemint analyzes your customer data using institution-defined attributes—credit profile, life stage, existing products, behavioral signals—to identify who is ready for a loan and what product fits them best.
2. Personalize
Each offer is tailored: the right product type (auto, personal, HELOC, credit card), the right amount, the right rate. Fully governed by your policies. Fully branded as you.
3. Surface
The offer appears where customers already are—inside online banking, the mobile app, at the branch teller screen, in the contact center agent view, or via outbound campaign—without disrupting the experience.
4. Convert
Customers respond to offers that feel relevant. Movemint clients see response rates up to 6x higher than traditional campaigns, with measurable funded loan volume tracked in real time.
PROVEN RESULTS
What Loan Growth Looks Like with Movemint
$194M
in loans funded over 11 months | 500K-member credit union
$55.8M
in loans requested in 90 days | 100K-member credit union | 4.7% acceptance rate on pre-approved offers
$23.9M
in loans requested in 60 days | 100K-member credit union | 31,903 pre-approved offers delivered
6x
higher response rates vs. traditional campaigns | Across Movemint client base
One client with 500K members ran Movemint offers across a subset of members for 11 months. Results included $182.7M in consumer loans (auto, personal, and credit cards), $12.1M in home equity loans, and $154K in GAP income—all driven through personalized, embedded offers across digital and branch channels.
WHY MOVEMINT FOR LOAN GROWTH
More Than a Pre-Approval Engine
| Capability | What it means for you |
|---|---|
| Multi-channel delivery | Loan offers reach customers in digital banking, branch, contact center, and outbound—not just one channel |
| Institution-defined targeting | You set the rules: who qualifies, at what rate, for which products. No black-box algorithms. |
| Native digital banking integration | Customers see offers inside the app they already use. No new portal. No friction. |
| Pre-approved and application offers | Surface both firm pre-approvals and invitation-to-apply offers—expanding your addressable opportunity |
| Full attribution dashboard | See exactly which offers generated which funded loans, by channel, product, and customer segment |
HOW WE COMPARE
Built for Growth Across Every Channel—Not Just Origination
vs. Clutch:
Clutch is an excellent origination tool—it streamlines the application and funding process once a customer decides to borrow. Movemint works upstream: identifying who should borrow, surfacing the offer in the moment they're most receptive, across every channel your institution already operates.
vs. SavvyMoney:
SavvyMoney uses credit score engagement to surface offers within digital banking. Movemint goes further—using institution-defined customer attributes to personalize offers across digital, branch, contact center, and outbound simultaneously. Where SavvyMoney focuses on digital engagement and financial wellness, Movemint is purpose-built to drive funded loan volume at scale.
vs. Building In-House:
Building a personalization layer across all four channels requires years of development, ongoing compliance management, and a dedicated data science team. Movemint deploys in weeks, integrates with your existing stack, and delivers results before a homegrown solution would be halfway to launch.
WORKS WITH YOUR STACK
Natively Integrated. No Rip-and-Replace.
Movemint integrates with the digital banking platforms, core systems, and loan origination systems your institution already uses. Your customers never leave your branded experience. Your team never switches tools.
What Are You Trying to Grow?
For lending teams
Who want to grow loan volume, increase pull-through, and recapture loans your customers are taking to competitors.
For finance and executive leadership
Who want a measurable return—loans, deposits, and NII growth you can put on the balance sheet.
For digital banking and CX leaders
Who want a personalized, consistent customer experience across every channel—without replacing your existing platform.
FIND YOUR FOCUS
Ready to See What Movemint Can Do for Your Loan Portfolio?
Movemint gives financial institutions the infrastructure to turn personalized engagement into measurable growth—across loans, deposits, non-interest income, and customer experience—all from a single platform.