Alkami launches Engage to boost digital banking adoption

Alkami has launched Alkami Engage for banks and credit unions that use its digital banking platform.

The product is a digital adoption and analytics platform designed to help financial institutions improve customer onboarding, increase use of digital banking tools, and track user behaviour across web and mobile channels.

Integrated into Alkami's digital banking platform, Alkami Engage captures user interactions including page views, clicks, feature usage, and progression through specific journeys. It gives product, digital, and experience teams near real-time data on how retail and business users move through digital banking services.

The data is intended to help banks and credit unions identify where users drop out of a process, adjust workflows, and measure adoption against internal performance targets. The platform also includes configurable dashboards and tools for delivering messages to customer groups based on behaviour and segmentation.

It also includes in-application guidance such as walkthroughs, tooltips, announcements, and prompts. Those features are designed to support tasks including bill pay, transfers, payments, and treasury management within digital banking channels.

For financial institutions, the product addresses a common problem in digital transformation projects: limited visibility into how customers actually use online and mobile banking tools after launch. Better visibility can help lenders and mutuals determine whether new features are being adopted and whether customers can complete routine actions without additional support.

James Hilton, Vice President, Product Management, Digital Product Development, at Mountain America Credit Union, described the type of insight the platform is intended to provide for institutions seeking to refine digital services.

"A key priority for us is making sure members get real value from their digital banking experience. Alkami Engage will give us the behavioral insight and context we need to understand how members are using the platform, identify moments that matter, and make informed improvements that simplify and strengthen the overall experience," Hilton said.

Data Focus

The launch also extends Alkami's broader push into data-led products for banks and credit unions. Alkami Engage will sit alongside Alkami Operational Data & Insights and its Data & Marketing Solution, with each product focused on a different stage of customer activity and engagement.

Operational Data & Insights provides a baseline view of platform activity, while the Data & Marketing Solution is used for segmentation and personalised outreach. Alkami Engage is positioned more narrowly around adoption and onboarding within the digital banking experience itself.

That means banks and credit unions can use the new platform to understand not only whether customers log in or open a feature, but also how they move through a journey and where they encounter friction. In practice, that may affect how institutions present new tools, explain functions, or encourage self-service over branch or call-centre interactions.

Benjamin Conant, Alkami's chief product officer, said the aim is to give institutions a closer view of customer behaviour inside digital channels.

"Financial institutions invest heavily in digital transformation but often lack visibility into user behavior," Conant said. "Alkami Engage delivers real-time behavioral insights and in-app guidance to reduce friction, improve onboarding and self-service, and enable personalized digital experiences that drive growth and efficiency."

The focus on digital adoption reflects a wider challenge across retail banking and credit unions, where mobile apps and online services are often expanded faster than customers learn to use them. Institutions may launch new payment tools, treasury features, or service options, but weak onboarding and unclear journeys can leave usage below expectations.

Alkami's approach combines behavioural analytics with prompts delivered inside the application, rather than relying only on marketing messages sent outside the platform. That structure is intended to let institutions respond to user actions at the point where a customer is trying to complete a task.

Alkami provides a digital sales and service platform for US banks and credit unions, spanning onboarding, digital banking, data, and marketing functions. Alkami Engage adds another layer by focusing on how end users adopt and continue using digital banking services after they become available.