The most powerful banking
is anticipatory

Regional and community financial institutions have always known how to anticipate. Now it’s time to bring that legacy into the digital age.

You've always known what they need. Now you can know it sooner.

For generations, regional and community banks and credit unions have been the financial heartbeat of their communities. You’ve built trust by knowing your customers and members—personally, intuitively, humanly.

You didn’t wait for them to ask. You anticipated.

But today, more of those relationships are happening through digital channels. And now, you have a chance to bring that same anticipation—your real differentiator—into every tap, click, and swipe.

Megabanks were first to scale digital. But you already own what they can’t fake: deep human connection.

Now it’s time to scale that superpower—digitally.

What is Anticipatory Banking?

Watch how regional and community FIs will turn what you’ve always done best into what’s next. Because when you add digital to your frontline intuition, you don’t just compete—you win.

We’ve seen this pattern before

Every industry that’s been transformed by digital innovation has followed the same pattern. From music to media to retail, we’ve seen it: first digitize, then optimize, then anticipate. Understand the arc—and you’ll see exactly what’s coming next in banking.

Digital twin

It starts by replicating the physical world. In banking, that meant putting access, statements, and transactions online. A digital reflection of what was already happening.

Experience overhaul

Then, experience takes over. What once mimicked branch visits evolves into something better. Faster logins. Frictionless flows. A digital banking experience that feels tailor-made.

Anticipation at scale

And then comes the breakthrough: needs are met before they’re voiced. Engagement feels effortless. Financial institutions don’t just respond—they guide. This is the era of Anticipatory Banking.

See how this arc has rewritten industries

Want proof? Choose any industry and see how this arc unfolded—from basic access to meaningful anticipation.

What anticipation really requires

Personalization is where most stop. Anticipation is what separates the leaders. In every industry, those who reach the anticipatory stage share four critical traits—and they’re the same traits you’ll need to deliver Anticipatory Banking.

Easy to use

Every top performer removes friction. Every touchpoint should feel intuitive, branded, and responsive—on any device and across all channels.

Data-informed

Anticipation depends on insight. That means unifying your data across products and channels—and using it to predict what your users will need next.

Effortless onboarding

Without an easy way to acquire new relationships, growth stalls. Frictionless onboarding isn’t just a better experience—it’s a revenue engine.

A better experience for all

Leaders don’t just think about the end user. They empower employees and developers, too—because building a culture of innovation starts inside your institution.

Hear from Broadview FCU’s CEO on the power of anticipation

Discover how one forward-thinking credit union leader explains Anticipatory Banking better than anyone.

Delivering Anticipatory Banking requires the right platform

The Alkami Digital Sales & Service Platform brings Anticipatory Banking into a reality—uniting onboarding and account opening, digital banking, and data and marketing into one seamless, purpose-built experience for both account holders and employees.

It’s not a patchwork of tools. It’s a platform built to help you move faster, connect deeper, and grow smarter.

Your future awaits

You've built your legacy in anticipating account holder needs – writing the market playbook on building intimate and enduring customer and member relationships.

But, technology partners have left you wanting, with fragmented technology stacks, data silos, and user experiences.

You and your account holders deserve more. It’s time to take what you already do best and leverage technology to deliver anticipation at scale.

The great wealth transfer is here

$84 trillion is moving across generations. And the institutions that show up early—with relevant offers and trusted guidance—will win primacy and loyalty for years to come.

Big Tech overpromised. You can overdeliver.

FIs have invested in digital transformation—but are waiting on returns. Anticipatory Banking delivers, connecting insights across your digital sales and service platform to bring higher primacy, ROI, and less operational drag.

Digital maturity belongs to the best, not the biggest

Alkami's Digital Sales & Service Maturity Model shows over 20% of the most digitally mature FIs have under $500M in assets. The most progressive aren’t the biggest—they’re the boldest. Apply the playbook to punch above your weight—and win.

A day in the life of Anticipatory Banking

Follow a modern account holder through a seamlessly orchestrated day—from unexpected support to life-changing moments. This is what it looks like when your institution sees the whole person, not just the balance.

Latest Resources

Never miss a beat in digital banking

Data Bites, Infographics, Resources

August 8, 2025

Digital is the Gateway to Primacy

Infographic showcasing the key findings from the Generational Trends in Digital Banking (2025) study...
J.D. Power 2025 Mobile App Platform Certification ProgramSM recognition is based on successful completion of an audit and exceeding a customer experience benchmark through a survey of recent servicing interactions. For more information, visit jdpower.com/awards.

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