Alkami Releases 2025 Update to the Retail Digital Sales & Service Maturity Model

Rhea-AI Summary

Alkami Technology (NASDAQ: ALKT) has released its 2025 Update to the Retail Digital Sales & Service Maturity Model, based on a survey of over 200 U.S. financial institutions. The research reveals that digital maturity significantly impacts banking growth, with the most advanced institutions reporting up to 5x higher annual revenue growth compared to less mature peers. Key findings show that 42% of digitally mature institutions actively use generative AI, compared to 26% of less mature ones. Institution size does not determine digital maturity, with one-third of the most mature having less than $500M in assets. The study identifies distinct advantages in fraud prevention, employee experience, and AI implementation among digitally mature institutions, with 67% able to automatically push targeted marketing to account holders. The research segments institutions into four maturity stages, focusing on how they align culture, strategy, and technology.

Positive

• Most digitally mature institutions report up to 5x higher annual average revenue growth than less mature peers
• 42% of the most digitally mature institutions actively use generative AI across their organization
• 67% of mature institutions can automatically push targeted marketing to account holders
• Digital maturity is achievable regardless of institution size, with one-third of most mature having less than $500M in assets

Negative

• None.

New findings reveal significant differences between the most advanced cohorts

PLANO, Texas, June 4, 2025 /PRNewswire/ -- Alkami Technology, Inc. (Nasdaq: ALKT) ("Alkami"), a leading cloud-based digital banking solutions provider for financial institutions in the U.S., announced the release of the 2025 Update to the Retail Digital Sales & Service Maturity Model in collaboration with financial services influencer Jim Marous and Emerald Research Group. The report - based on proprietary research surveying over 200 U.S. financial institutions with a minimum asset size of $200M - offers a fresh benchmark for digital maturity in banking, with emerging performance distinctions in security and fraud, the employee experience, and data and artificial intelligence (AI).

"Digital maturity is quickly becoming the single most important driver of growth and efficiency in banking," said Jim Marous, owner and chief executive officer of the Digital Banking Report. "The widening gap between the leaders and their less mature peers is foundational to how these institutions are strategically aligning culture, strategy, and technology to meet rising expectations across every channel."

The research segments financial institutions into four maturity stages, measuring comprehensive benchmarks across readiness and implementation of digital strategies. These cohorts remain the same as originally released in 2024, as do key findings showing the most digitally mature institutions reporting significantly higher revenue growth and institutional size alone not determining an institution's maturity.

Findings include:

• One-third of the most mature institutions have less than $500M in assets, while 13% of the least mature have more than $5B in assets.
  
  
• Digital maturity continues to be highly correlated to growth, with the most advanced institutions reporting up to 5x higher annual average revenue growth than their less mature peers.
  
  
• AI is creating a widening performance gap with 42% of the most digitally mature institutions actively using generative AI at some level across their organization, compared to 26% of the least mature.
  
  
• The most mature institutions have advanced data architectures that support effective AI implementation, where 67% can automatically push targeted marketing to their account holders.
  
  
• Fraud mitigation practices and cybersecurity defense measures vary widely between the two most digitally mature segments, Digital-Forward and Data-First, with the former emerging as leaders in fraud prevention and the latter distinctly offering consumer incentives to improve cybersecurity posture.
  
  
• Digital-Forward and Data-First institutions have significantly more intuitive administrative interfaces for their employees, with 38% and 53% respectively reporting their digital banking admin consoles are more intuitive than other technologies in their stack.

"Today's most digitally mature institutions are accelerating their AI adoption by leveraging advanced data capabilities, while also redefining 'user experience' to include employees within the workflow," said Allison Cerra, chief marketing officer at Alkami. "These advancements—paired with a more progressive risk posture—are helping them widen their lead. Yet, the data shows this remains a fluid market. Any institution, regardless of size, can turn digital maturity into a competitive edge, and we hope this update offers valuable insights to do just that."

To access the full Retail Digital Sales & Service Maturity Model 2025 Update, visit here.

The maturity model assessments are freely available to all financial institutions and can be taken here for the Retail Digital Sales & Service Maturity Model and here for the Business Banking Maturity Model.

Alkami has been certified by J.D. Power in 2024 and 2025 for providing "An Outstanding Mobile Banking Platform Experience."¹

About Alkami
Alkami Technology, Inc. is a leading cloud-based digital banking solutions provider for financial institutions in the United States that enables clients to grow confidently, adapt quickly, and build thriving digital communities. Alkami helps clients transform through retail and business banking, onboarding and account opening, payment security, and data and marketing solutions. To learn more, visit www.alkami.com.

Media Relations Contacts
Vested
alkami@fullyvested.com

Marla Pieton
marla.pieton@alkami.com

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1 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 www.jdpower.com/awards.

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SOURCE Alkami Technology, Inc.

FAQ

What are the key findings of Alkami's 2025 Digital Sales & Service Maturity Model?

The key findings show that digitally mature institutions achieve 5x higher revenue growth, 42% actively use generative AI, and 67% can push automated targeted marketing. Institution size doesn't determine maturity, with one-third of mature institutions having less than $500M in assets.

How does digital maturity affect financial institution performance according to ALKT's 2025 report?

According to the report, the most digitally mature institutions achieve up to 5x higher annual average revenue growth compared to less mature peers, with advanced capabilities in AI implementation, fraud prevention, and targeted marketing.

What percentage of digitally mature institutions use AI according to Alkami's 2025 study?

42% of the most digitally mature institutions actively use generative AI across their organization, compared to 26% of the least mature institutions.

Does bank size determine digital maturity according to ALKT's 2025 research?

No, the research shows that size doesn't determine digital maturity, as one-third of the most mature institutions have less than $500M in assets, while 13% of the least mature have more than $5B in assets.

What are the main differences between Digital-Forward and Data-First institutions in Alkami's 2025 report?

Digital-Forward institutions lead in fraud prevention, while Data-First institutions focus on consumer cybersecurity incentives. Both show superior employee interfaces, with 38% and 53% respectively reporting more intuitive digital banking admin consoles.