bank & fintech
Get more users to fund, activate, and stay.
Signing up is easy. Getting to funded, verified, and actually using the product is where your users disappear. Tandem lives inside your app, guides users through KYC and funding, and shows you exactly where they drop.
Trusted by 100s of leading teams
Signups are cheap. Funded, active accounts are not.
Industry data is brutal. Around 60% of users abandon onboarding before they finish. Roughly half drop off inside KYC. Another 20% leave after KYC, waiting on activation. You paid to acquire them. You paid to verify them. And they still never funded.
Funding Rate
Get more paper accounts to become funded accounts.
Your KPI is simple: how many accounts fund in the first 7 days. Every day a new user doesn't fund, the odds they ever will drop fast. Most teams optimize funnels quarterly. Your users churn daily.
Tandem pushes users through the funding flow in-app. It explains wire vs ACH vs crypto, walks them through the bank connection, and handles the parts where they get stuck. When a user opens the funding page and does nothing, Tandem steps in.
One brokerage saw paper-to-funded conversion lift by up to 10 points. Reference KPI: percentage of users funding within 7 days of signup.
Form & KYC Conversion
Stop losing users inside credit and KYC forms.
Complex setup forms kill conversion. Credit applications, proof of address, income verification, source of funds. A single ask for proof of address can drop conversion by 20%. Low-credit and underserved customers drop the hardest.
Tandem reads the form in real time. It explains why you're asking, accepts the document formats you actually take, and auto-fills what it can. If a user gets stuck on a field, it answers the question without them leaving the page.
Lower cost to serve. Higher success rate on the forms that decide who gets onboarded.
Support Deflection
Cut support load on the flows that generate the most tickets.
Onboarding, funding, and account access issues are the top 3 reasons users contact support at crypto and neobank platforms. Each ticket costs money and slows the user down at the exact moment they were ready to transact.
Tandem deflects the questions before they become tickets. It's trained on your help center, your product docs, and your actual UI. It reads the page the user is on and answers in context, then routes to a human only when needed.
One crypto exchange reported up to 70% reduction in support tickets and doubled activation rates on flows where Tandem runs.
Feature Discovery & Adoption
Users pay for the account. Then they use 2 of your 30 features.
You ship new products constantly. Invoicing, cards, recurring payments, electronic signature, accounts receivable. Users sign up for checking and never find the rest. Your ARPU stays flat while your product team ships.
Tandem triggers contextually. A user receives their first invoice payment? Tandem suggests turning on automated reminders. A user hits the cards page? Tandem walks them through expense policies. Every session is a chance to upsell a paid add-on.
Qonto uses Tandem to drive users toward paid add-ons like the €45/mo AR module and to surface new features the moment they become relevant.
Funnel-level drop-off
See exactly where users stop inside signup, KYC, funding, and activation. Field by field, step by step, session by session.
In-product AI assistant
Trained on your help docs, product pages, and policies. Answers in the user's language, in the context of the screen they're on. Works 24/7.
Agentic execution
The agent doesn't just explain. It fills fields, navigates pages, and completes multi-step flows. Users get to the outcome without leaving the session.
Contextual triggers
Proactively surface features and add-ons when they become relevant. A new payment received, a new employee added, a funding threshold crossed. Tandem picks the moment.
Compliance-friendly
The agent stays inside your app. Your data, your rules, your audit trail. No user data leaves the environment you control.
One script, every flow
One snippet ships it across onboarding, funding, settings, billing, and every page after. Your engineers integrate once.
