top of page
Unified Account Opening eliminates traditional silos between deposits and lending while creating a single, consistent experience across audiences, products, and channels.
Rather than managing separate systems and workflows, institutions operate from one shared foundation enabling faster growth, better experiences, and streamline operations.
Consumer and business onboarding
Deposit accounts and loan origination
Digital, branch, and assisted channels
Consistent policies, controls, and compliance
Transition seamlessly from account opening to lending
Capture data once and reuse it across products
What You Can Do With Unified Account Opening?
-
Open consumer and business accounts from a single platform
-
Transition seamlessly from account opening to lending or vice versa
-
Apply AI consistently across onboarding journeys
-
Support digital, branch, and assisted channels without duplication
-
Capture data once and reuse it across products
This approach shortens cycle times, improves conversion, and reduces operational friction.
One Platform for Deposits and Lending
Consumer and business onboarding often require different workflows but they shouldn’t require different platforms.
Enable supports:
-
Personal and joint consumer accounts
-
Small business and commercial onboarding
-
Complex ownership and KYB requirements
-
Configurable journeys by segment or product
Gain the flexibility to serve diverse audiences while maintaining a consistent operating foundation.
Consistent Across Every Channel
Members and customers expect to start, continue, and complete onboarding wherever it’s most convenient.
Enable delivers a true omnichannel experience enabling applicants to:
-
Begin online and finish in-branch or vice versa
-
Work with a banker or self-serve digitally
-
Resume applications without re-entering information
Behind the scenes, teams benefit from a single comprehensive view of each applicant, reducing manual work and improving service quality.
AI Built Directly Into Account Opening
Modern account opening requires more than digitizing forms. Enable embeds AI directly into onboarding journeys, transforming static processes into guided, adaptive experiences.
With Enable’s AI, institutions can:
-
Guide applicants through complex decisions in real time
-
Answer eligibility and product questions instantly
-
Reduce abandonment and rework
-
Support bankers and contact centers with intelligent assistance
Because AI operates on unified data across deposits and lending, it delivers context-aware guidance and not generic responses or disconnected point solutions.
Built for Scale, Compliance, and Trust
Unified account opening must scale without increasing risk.
Enable’s platform supports:
-
Centralized data and policy management
-
Built-in compliance and auditability
-
Early fraud and risk signals
-
Configurable workflows that evolve with regulatory change
Institutions can grow confidently while maintaining control.
Unified Account Opening provides a shared foundation for data, AI, and workflows so institutions can scale without adding complexity.
Why Enable
Enable was built to unify what has historically been fragmented.
With Enable, financial institutions gain:
-
A single platform for deposits and lending
-
Embedded AI across onboarding journeys
-
Faster time to value without ripping out core systems
-
Flexibility to launch, iterate, and scale with confidence
Unified Account Opening isn’t just a feature. It’s a foundation for modern banking.
Ready to See Unified Account Opening in Action?
Discover how Enable helps credit unions and banks modernize onboarding, accelerate growth, and deliver intelligent experiences for consumers and businesses.
Enable is an industry leading AI-driven origination platform that unifies account opening and lending for consumers and businesses. Purpose-built for banks and credit unions, Enable combines real-time guidance, automation, and open APIs to power seamless omnichannel experiences, reduce friction, and help institutions go live in weeks and not months.
Mailing:
2309 Noriega St. #1002
San Francisco, CA 94122, USA
Office:
2603 Camino Ramon, Suite 200
San Ramon, CA 94583
bottom of page