Channel gap
Most ancillary products are only presented in branch or at closing. Digital loan applicants—your fastest-growing segment—often receive no NII offer at all.
SOLUTIONS
Every Loan Is a Non-Interest Income Opportunity. Are You Capturing It?
Movemint embeds personalized GAP, debt protection, and ancillary product offers at the exact moment customers are most likely to say yes—inside the loan journey, across digital, branch, and contact center channels.
$154K in GAP income generated alongside $194M in loans—from a single 11-month Movemint engagement.
THE CHALLENGE
Non-Interest Income Is Being Left on the Table at Every Loan Closing
For most financial institutions, non-interest income products—GAP, debt protection, mechanical breakdown coverage, identity theft protection—are sold through branch staff, at loan closing, when the conversation feels transactional rather than advisory.
The result: inconsistent presentation, low attach rates, and significant compliance exposure from staff who pitch differently every time.
Meanwhile, customers who would genuinely benefit from these products never hear about them through digital channels—where the majority of loan applications now originate.
Timing problem
NII products presented as an afterthought at loan signing feel like an add-on, not a value. The right moment is during the loan journey, when protection feels relevant to the purchase.
Staff inconsistency
Relying on individual staff members to present NII products creates variability in offer rates, compliance risk, and revenue you can't predict or plan around.
HOW MOVEMINT WORKS
The Right NII Offer, Delivered at the Moment of Maximum Relevance
Movemint embeds non-interest income offers into the natural flow of the loan and deposit journey—surfacing them when context makes them feel like genuine value rather than an upsell.
How it works:
1. Trigger on context
Movemint identifies the moments of highest NII receptivity: a customer financing an auto loan (GAP), a customer taking on a significant personal loan (debt protection), a customer opening a new checking account (identity theft protection). The offer fires when the context is right.
2. Personalize the pitch
Offers are matched to the product and customer profile. A new auto loan customer sees a GAP offer tied to the vehicle value. A consolidation loan customer sees a debt protection offer tied to their total balance. Institution-defined rules govern every presentation.
3. Deliver consistently across channels
Whether the customer applies online, in the mobile app, at the branch, or over the phone, the same contextually relevant NII offer appears—eliminating the channel gap that leaves digital applicants without coverage.
4. Track attach rates by channel
Movemint's dashboard shows NII offer presentation rates, acceptance rates, and revenue by channel, product, and customer segment—giving compliance and product teams full visibility.
PROVEN RESULTS
Non-Interest Income That Scales with Your Loan Volume
$154K
in GAP income generated | 500K-member credit union | 11 months | alongside $182.7M in consumer loans
$340K
in high-yield savings accounts | Same engagement—members targeted in digital banking
Consistent delivery
NII offers presented on every eligible loan—digital, branch, and contact center | No staff variability. No channel gaps.
Compliance-ready
Institution-defined offer rules, full audit trail, consistent presentation language | Reduce compliance exposure from inconsistent staff pitches
In the same 11-month engagement that generated $194M in total loans and $26.8M in CDs, Movemint delivered GAP income of $154K by embedding offers directly into the auto and consumer loan journeys across digital and branch channels. With Movemint, NII products are no longer dependent on which branch the customer visits or whether the staff member remembers to ask.
WHY MOVEMINT FOR NON-INTEREST INCOME
Consistent, Contextual, Compliant—Across Every Channel
| Capability | What it means for you |
|---|---|
| Context-triggered offers | NII products surface at the moment of highest relevance—during the loan or account opening journey, not as an afterthought |
| Digital channel coverage | GAP and protection offers reach customers who apply online or via mobile—not just those who close in branch |
| Consistent staff prompts | Branch and contact center staff see the same next-best-action prompt, ensuring every eligible customer gets the offer, every time |
| Institution-defined offer rules | Control which products appear, under what conditions, with what language—full compliance governance built in |
| Attribution and reporting | Track attach rates, revenue, and acceptance by channel, product, and campaign—data your finance team can plan around |
| Coordinated with loan and deposit offers | NII offers run in the same platform as loan and deposit campaigns—one integration, one dashboard, coordinated customer experience |
THE MOVEMINT DIFFERENCE
Non-Interest Income That Doesn't Depend on Who's Working the Desk That Day
Most NII strategies are staff-dependent—they rely on individual employees to remember to present the product, know how to pitch it, and do so consistently. Movemint removes that dependency by embedding NII offers directly into the digital and assisted-channel journeys your customers are already in.
No other platform in Movemint's competitive set focuses specifically on NII offer delivery at scale across all four banking channels. SavvyMoney and Clutch are designed around lending and engagement—neither is built to surface contextual GAP or protection offers embedded in the loan closing flow across digital, branch, and contact center simultaneously.
The compliance advantage:
When every eligible customer sees the same offer, presented the same way, with the same language—your compliance team has an auditable, consistent record. Movemint's institution-governed offer rules eliminate the variability risk that comes with staff-dependent NII programs.
WORKS WITH YOUR EXISTING PRODUCTS
Embed Into Your Existing NII Product Suite
Movemint doesn't replace your NII product providers—it makes them more effective by ensuring every eligible customer actually sees the offer. Works alongside your existing GAP, debt protection, and ancillary product partnerships.
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
Let's Talk About Your Non-Interest Income Opportunity
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.