Alkami Technology, Inc., established in 2009, is a supplier of digital banking services. It has issued a case study, which describes how Gate City Bank, a community bank, expands its volume of transactions, increases engagement with its customers, and reduces the amount of electronic financial crime through the implementation of the Alkami Digital Sales & Service Platform.
Gaming a 4 billion mutual bank and top mortgage originator in North Dakota, Gate City Bank worked with Alkami to replace legacy digital infrastructure with a data driven banking experience. Post deployment of the platform, the bank has realized quantifiable efficiencies across retail and commercial banking businesses.
Unlocking Data-Driven ROI and Streamlining Digital Account Origination
To modernize customer touchpoints, Gate City Bank leveraged Alkami’s integrated Data & Marketing Solution alongside the MANTL Retail Account Opening engine. The strategic implementation enabled the bank to automate hyper-targeted marketing campaigns while drastically lowering account origination friction.
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Operational milestones achieved following the platform rollout include:
Significant Marketing ROI: Executed over 60 targeted marketing campaigns reaching more than 29,000 customers, generating $541 million in cross-sell opportunities and producing an average 63X return on investment (ROI).
Rapid Online Account Opening: Reduced average retail digital account opening completion times to 4.65 minutes following the launch of MANTL Retail Account Opening, providing internal staff with real-time visibility into application workflows.
Increased Engagement: Spurred a 61% increase in average monthly digital banking logins compared to its prior provider, expanded total digital banking users by approximately 20%, and earned a 4.9 mobile app store rating.
Proactive Fraud Mitigation: Integrated BioCatch through Alkami’s partner network to identify suspicious account behavior—achieving a 97% account takeover (ATO) capture rate and preventing approximately $650,000 in fraud losses over a six-month period.
Commercial Scale without Headcount Expansion: Expanded treasury ACH origination customers by 47.7% without adding full-time staff.
Executive Insights on Digital Transformation
“My team would go through a digital banking conversion again in a heartbeat if it meant we would be where we are today with the Alkami Digital Sales & Service Platform,” said Jessica Ebeling, executive vice president, chief digital and payment officer at Gate City Bank.
“The team at Gate City Bank exemplifies what it means to be a modern, data-informed financial institution,” said Deepankar Basu, chief product officer at Alkami. “By combining data intelligence with a seamless user experience, they are anticipating customer needs, taking proactive action, and driving remarkable results across every metric from engagement and cross-sell to fraud prevention and deposit growth. That’s the future of digital banking, and it’s exactly what the Alkami Digital Sales & Service Platform was built to deliver.”
Advancing “Anticipatory Banking” for Regional Financial Institutions
By pairing real-time customer intent data with modular digital workflows, Alkami equips regional banks and credit unions with tools to transition from transactional servicing to proactive engagement. The successful deployment at Gate City Bank underscores how unified digital sales and service architectures allow financial institutions to expand market share, mitigate risk, and deepen primary banking relationships.
