Alkami and Cornerstone Advisors Release the 2026 Digital Banking Performance Metrics Report for Retail and Business Banking

Rhea-AI Summary

Alkami (Nasdaq: ALKT) and Cornerstone Advisors released the 2026 Digital Banking Performance Metrics Report on May 7, 2026. The seventh annual study adds business-banking benchmarks and shows retail digital adoption and engagement rising: mobile activations up nine points (2022–2025), 51% of loan applications submitted digitally, and 1.56 new products per digital user. Business findings: 78% of business accounts active online, 75% using mobile, ~25% of business accounts opened online where digital account opening exists, and 37% of business loan dollar volume originated online where offered.

AI-generated analysis. Not financial advice.

Positive

• Retail digital loan applications at 51% of submissions
• Average 1.56 new products per digital user
• 78% of business accounts active in digital banking

Negative

• Account opening abandonment persists despite investments
• Only 17% of institutions offer digital business account opening
• Gaps in real-time payments, integrated payables, receivables, cash-forecasting

News Market Reaction – ALKT

+4.06%

6 alerts

+4.06% News Effect

+3.5% Peak in 1 hr 14 min

+$76M Valuation Impact

$1.94B Market Cap

0.0x Rel. Volume

On the day this news was published, ALKT gained 4.06%, reflecting a moderate positive market reaction. Argus tracked a peak move of +3.5% during that session. Our momentum scanner triggered 6 alerts that day, indicating moderate trading interest and price volatility. This price movement added approximately $76M to the company's valuation, bringing the market cap to $1.94B at that time.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Mobile activation increase: 9-point increase Digital loan applications: 51% Cross-sell uplift: 1.56 new products per user +5 more

8 metrics

Mobile activation increase 9-point increase Retail mobile activations from 2022 to 2025

Digital loan applications 51% Share of loan applications submitted through digital channels

Cross-sell uplift 1.56 new products per user Average additional products per digital banking user

Retail digital adoption 87% Checking accounts associated with active digital banking users

Mobile engagement 82% Mobile banking users actively engaged

Business digital adoption 78% Business accounts active in digital banking

Business mobile usage 75% Business accounts actively using mobile banking apps

Online business loan volume 37% Business loan dollar volume originated online at offering institutions

Market Reality Check

Price: $17.95 Vol: Volume 2,146,274 vs 20-da...

normal vol

$17.95 Last Close

Volume Volume 2,146,274 vs 20-day average 1,707,584 (about 1.26x typical activity). normal

Technical Trading below 200-day MA of 20.89 and 47.03% below 52-week high 31.66.

Peers on Argus

Momentum scanner shows 2 peers (e.g., DAVE, AGYS) moving up with median gains ne...

2 Up

Momentum scanner shows 2 peers (e.g., DAVE, AGYS) moving up with median gains near 5.5%, aligning with the sector’s upward bias while ALKT traded slightly lower prior to this report.

Historical Context

5 past events · Latest: May 06 (Neutral)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
May 06	Webinar announcement	Neutral	-0.6%	Announcement of anticipatory banking webinar targeting bank and credit union leaders.
May 05	Conference appearance	Neutral	-1.9%	Plan to present at 2026 J.P. Morgan Global Technology, Media and Communications Conference.
Apr 29	Earnings release	Positive	-3.9%	Q1 2026 revenue growth, positive Adjusted EBITDA, and new share repurchase plan.
Apr 22	Research report	Positive	+0.2%	Updated Business Banking Digital Maturity Model highlighting AI and digital priorities.
Apr 21	Customer awards	Positive	-1.1%	Recognition of innovative banking clients at Alkami Co:lab 2026 awards event.

Pattern Detected

Recent news—webinars, conferences, research updates, and even strong earnings—has often coincided with flat to negative next-day moves, suggesting limited upside reaction to generally positive/neutral headlines.

Recent Company History

Over the last few weeks, Alkami has reported strong Q1 2026 results, including GAAP revenue of $126.1M and a new $100M share repurchase authorization, alongside growing ARR and user metrics. It has also released new research on business banking digital maturity, hosted its Co:lab 2026 awards, and announced upcoming webinars and conference presentations. Despite these developments, next-day price reactions were mostly modestly negative, indicating that solid operational updates have not consistently translated into positive short-term trading responses.

Market Pulse Summary

This announcement highlights Alkami’s seventh annual digital banking metrics report, expanding into ...

Analysis

This announcement highlights Alkami’s seventh annual digital banking metrics report, expanding into business banking benchmarks and quantifying trends such as 51% of loan applications submitted digitally and an average of 1.56 new products per digital user. The news builds on prior research-driven updates and recent financial growth. Investors may watch how institutions adopt capabilities like digital account opening and online loan origination, and how these usage patterns support Alkami’s long-term revenue and engagement metrics.

Key Terms

digital banking, treasury services, real-time payments, integrated payables and receivables, +4 more

8 terms

digital banking technical

"The report shows that digital banking is firmly established as the primary channel"

Digital banking is a way of managing financial services and transactions entirely online, often through websites or mobile apps, without visiting a physical bank branch. It allows users to check balances, transfer money, and pay bills conveniently from their devices. For investors, digital banking highlights how financial services are becoming more accessible and efficient, shaping the future landscape of banking and payment systems.

treasury services financial

"On the business side, those that are using treasury services are using them actively"

Treasury services are banking tools and routines that help a company manage its cash flow, pay bills, collect receipts, handle currencies and invest short-term funds — like a combined checking account, bill-pay system and short-term savings plan for a business. Investors care because strong treasury practices keep a company liquid and lower financing costs, reducing the risk of missed payments and improving returns on idle cash.

real-time payments financial

"features that growing businesses expect ... including real-time payments, integrated payables"

Real-time payments are electronic transfers that move money between bank accounts almost instantly and are available around the clock, unlike traditional overnight or batch transfers. For investors, this matters because faster payments improve a company’s cash flow, reduce the time money sits unpaid, and can change revenue and cost dynamics for banks, payment processors and businesses—think of it like receiving a text message instead of waiting for a letter.

integrated payables and receivables financial

"including real-time payments, integrated payables and receivables, and cash flow forecasting"

Integrated payables and receivables is a single system that handles both the money a company owes to suppliers and the money it is owed by customers, so billing, payments and records flow together instead of living in separate silos. For investors it matters because merging these processes speeds up cash collection, reduces payment delays and mistakes, and gives clearer, faster visibility into a company’s cash position—like combining your checking and savings apps so you always know how much spendable money you really have.

cash flow forecasting financial

"including real-time payments, integrated payables and receivables, and cash flow forecasting"

Cash flow forecasting estimates the money expected to come into and go out of a business over upcoming weeks, months or quarters by projecting sales receipts, bill payments, payroll and other timing of cash movements. Investors use it like a weather report for a company’s cash: it reveals whether the business is likely to have enough cash to cover obligations, fund growth or need borrowing, which affects risk and valuation.

digital account opening financial

"17% of financial institutions are offering digital account opening for businesses"

Digital account opening is the process of creating a new financial account entirely online, using web or mobile forms, identity checks, and electronic signatures instead of paper and in-person visits. It matters to investors because it speeds customer onboarding, cuts branch and staff costs, and boosts the number of accounts a firm can open—like replacing a slow in-store checkout with a fast online checkout—thereby driving faster revenue growth, higher scalability, and different regulatory and fraud exposures.

online business loan origination financial

"20% of institutions are offering online business loan origination"

The digital process by which a lender accepts, evaluates and funds loans to businesses using websites or apps instead of paper and branch visits. Like buying a ticket online, it replaces in-person steps with automated checks, electronic documents and faster decisions. Investors care because it can lower costs, speed growth and change credit risk by relying on algorithms and data, affecting a lender’s revenue, margins and scalability.

person-to-person payments financial

"shifting usage patterns across tools like person-to-person payments and personal financial"

Person-to-person payments are digital transfers of money between individuals using apps, bank features, or mobile wallets — like sending cash to a friend or splitting a restaurant bill with a tap. For investors, these transactions matter because higher use can drive revenue from fees or related services, boost customer engagement and network effects, and also raise operational, fraud and regulatory risks that affect a company’s costs and growth prospects.

AI-generated analysis. Not financial advice.

New research highlights a shift from digital adoption to performance, with first-time business banking benchmarks

PLANO, Texas, May 7, 2026 /PRNewswire/ -- Alkami Technology, Inc. (Nasdaq: ALKT) ("Alkami"), a digital sales and service platform provider for financial institutions in the U.S., today announced the release of its new research, the 2026 Digital Banking Performance Metrics Report, commissioned by Alkami and conducted by Cornerstone Advisors. Now in its seventh year, the report expands beyond retail banking for the first time to include new benchmarks for business digital banking, while continuing to deliver insights into digital banking adoption, user engagement, and performance trends.

The report shows that digital banking is firmly established as the primary channel for retail account holder interaction and is increasingly central in business banking. The retail findings highlight a nine-point increase in mobile activations from 2022 to 2025, digital loan applications crossing the 50% threshold for the first time, and a meaningful increase in cross sales with account holder relationships on average expanding by 1.56 new products per user through the digital channel.

"Financial institutions need a digital banking metrics framework that does three things: focuses measurement on outcomes, not just activity; connects digital performance data to business goals; and distinguishes between metrics worth tracking and metrics worth managing to," said Ron Shevlin, chief research officer at Cornerstone Advisors. "There's no limit to what a financial institution could measure."

Key retail digital banking findings include:

• 87% of checking accounts are associated with active digital banking users, reflecting continued growth in digital banking adoption
• 82% of mobile banking users are actively engaged, reinforcing mobile as a primary channel for account holder interaction
• 51% of loan applications are now submitted through digital channels, marking a milestone for digital lending
• Financial institutions average 1.56 new products per digital banking user, highlighting the connection between engagement and growth

While digital adoption continues to rise in retail banking, friction remains in some channels. Account opening abandonment persists despite deliberate investments, and shifting usage patterns across tools like person-to-person payments and personal financial management suggest growing competition from third-party providers.

On the business side, those that are using treasury services are using them actively, but there are gaps in account opening, digital loan origination, and other features that growing businesses expect from their financial institution, including real-time payments, integrated payables and receivables, and cash flow forecasting.

Key business digital banking findings include:

• 78% of business accounts are active in digital banking, on average
• 75% of business accounts are actively using mobile banking applications
• 17% of financial institutions are offering digital account opening for businesses and are seeing just under 25% of their business accounts open online
• 20% of institutions are offering online business loan origination and see 37% of business loan dollar volume originated online

"Digital banking has become a primary driver of engagement and growth for financial institutions, and having clear performance benchmarks is critical to making informed decisions," said Marla Pieton, vice president, brand, public relations and influencer marketing at Alkami. "This report helps banks and credit unions better understand where they stand today, and where they can continue to evolve their digital strategies to meet the needs of both consumers and businesses."

To download the full 2026 Digital Banking Performance Metrics Report, visit here.

For more details on the findings of this study and expert advice on how institutions can turn digital performance metrics into real business outcomes, join us for the upcoming webinar titled, "From Metrics to Momentum: Turning Digital Banking Data into Measurable Growth" on June 10 at 12 p.m. ET.

To learn more about Anticipatory Banking and the Alkami Digital Sales & Service Platform, visit here.

About Alkami 
Alkami provides a digital sales and service platform for U.S. banks and credit unions. Our unified Platform integrates onboarding, digital banking, and data and marketing—each solution can stand alone, but together they deliver more—to help institutions onboard, engage, and grow relationships. As the future shifts toward Anticipatory Banking, we help data-informed bankers meet the moment with technology that drives action. 

About Cornerstone Advisors 
For over 20 years, Cornerstone Advisors has delivered gritty insights, bold strategies, and data-driven solutions to build smarter banks, credit unions, and fintechs. From technology systems selection and implementation to contract negotiations, performance improvement, vendor management, strategic planning, and merger and acquisition services, Cornerstone combines expertise with research and proprietary data to help financial institutions thrive in today's challenging environment. 

Media Relations Contacts 
Vested 
alkami@fullyvested.com 

Marla Pieton 
marla.pieton@alkami.com 

View original content to download multimedia:https://www.prnewswire.com/news-releases/alkami-and-cornerstone-advisors-release-the-2026-digital-banking-performance-metrics-report-for-retail-and-business-banking-302764855.html

SOURCE Alkami Technology, Inc.

FAQ

What are the key retail benchmarks in Alkami's 2026 report (ALKT)?

Key retail benchmarks include 51% of loan applications submitted digitally and 1.56 new products per digital user. According to the company, mobile activations rose nine points from 2022 to 2025, and 82% of mobile users are actively engaged.

What business-banking metrics does the 2026 Alkami report (ALKT) reveal?

Business metrics show 78% of business accounts active online and 75% using mobile apps. According to the company, only 17% of institutions offer digital business account opening, with about 25% of business accounts opened online where offered.

How widespread is digital loan origination for businesses in the 2026 ALKT report?

Where offered, online business loan origination accounts for 37% of business loan dollar volume. According to the company, only 20% of institutions report offering online business loan origination.

Does the 2026 Alkami report (ALKT) show mobile as the primary retail channel?

Yes. The report finds 82% of mobile banking users are actively engaged, supporting mobile as a primary channel. According to the company, 87% of checking accounts link to active digital banking users overall.

What digital capability gaps for businesses does Alkami highlight in 2026 (ALKT)?

The report highlights gaps in digital account opening, real-time payments, integrated payables/receivables, and cash-flow forecasting for businesses. According to the company, these gaps limit meeting growing business expectations and digital feature parity.