More Products, Deeper Relationships

How Movemint Grows Products per  Consumer

All institutions know the math: A member with four or five products is an anchored relationship that compounds in value over time. A member with one is a flight risk. The challenge is growing that number without creating pressure that erodes the trust you've built.

The Barrier Isn't Demand

Consumers aren’t resisting additional products because they don't need them. They resist generic offers that arrive at the wrong time, ask them to re-apply for things they already qualify for, or feel like a sales push rather than an added service.

An auto-loan banner in digital banking means little to someone who just bought a car and everything to someone about to head to the dealership. Without personalization, the offer becomes noise, training consumers to ignore the channel you're counting on for growth.

Using institution-defined attributes, including the consumer’s current product holdings and credit profile, Movemint determines who is ready to see what product, at what amount, and at what rate. The result is an offer that reflects the consumer's unique situation, not a generic campaign sent to everyone at once.

Coordinated Across Every Channel

Growing products per consumer takes more than a well-targeted digital offer. It takes consistency everywhere the consumer interacts with your institution.

In digital banking, Movemint surfaces relevant offers during the natural moments of the consumer journey with no staff intervention needed. When the consumer first logs into digital banking, they’re presented relevant product offers. And when they open a new account or accept a loan through Movemint, they can be presented with a relevant add-on in the same flow: GAP coverage while completing an application for a new auto loan, a deposit product alongside a lending offer, payment protection where it fits.

In the branch and contact center, frontline staff see the same intelligence on their screens. When a consumer calls or walks in, your team isn't guessing; they're reinforcing the personalized offers the consumer sees digitally. That consistency is where products per consumer compounds.

At Commonwealth Credit Union, more than half of all offer redemptions came through cross-sell, driven in part by team members reinforcing digital offers through personal conversations.

In outbound marketing channels, the same Movemint offer logic can be integrated into email,
SMS, and targeted campaigns, reaching consumers beyond the digital banking session and drawing them back with offers that are already relevant.

One logic layer. Every channel. The same relevant, personalized offer, wherever the consumer chooses to engage.

Frictionless Acceptance Turns Intent Into Action

Relevance opens the door. Frictionless acceptance is what gets consumers through it. Preapproved offers with simple acceptance paths mean a consumer who wants to act can do so immediately, without re-applying, without abandonment, and without a handoff that loses the moment.

Commonwealth Credit Union's recent quarterly campaigns show a deliberately diverse product mix across auto loans, personal loans, and credit cards, with an 85% conversion rate on funded offers. That breadth is the success point. Growing products per consumer means activating lending, deposits, and non-interest income together, rather than optimizing one product line at the expense of the others.

What This Means for Your Institution

When the next product is relevant, well-timed, and easy to accept, consumers add more products and deepen their relationship with you because it serves them, not because they were pushed.

It's a pattern Commonwealth knows well. When their campaigns end, members call in asking where their offers went. That's what relationship depth looks like in practice: consumers who seek out the next product offer rather than tune it out. That's what it looks like when we look beyond the metrics and begin seeing a relationship.