Alkami Technology's 2025 Digital Maturity Insights
Alkami Technology, Inc. recently announced the release of its 2025 Update to the Retail Digital Sales and Service Maturity Model, enhancing the understanding of digital banking maturity. In collaboration with Jim Marous, a noted financial services influencer, and the Emerald Research Group, this report draws upon proprietary research surveying over 200 U.S. financial institutions, each with a minimum asset size of $200 million. This update aims to provide a fresh perspective on digital maturity in the banking sector, critically examining various performance factors like security and fraud prevention, employee experience, and the utilization of data and artificial intelligence (AI).
Jim Marous, the CEO and owner of the Digital Banking Report, stated, "Digital maturity is quickly becoming the single most important driver of growth and efficiency in banking." The report outlines how significant the gap is between leading institutions and their less mature counterparts, emphasizing that strategic alignment in culture, strategy, and technology is essential to meet increasing customer expectations across all channels.
Maturity Segmentation
The report categorizes financial institutions into four distinct stages of digital maturity. The classifications remain consistent with the 2024 model. Key findings reveal that institutions with the highest levels of digital maturity report substantially greater revenue growth, indicating that maturity is not necessarily determined by an institution’s size. Encouragingly, one-third of the most mature institutions manage assets of less than $500 million, while a notable 13% of the least mature entities have assets exceeding $5 billion. This suggests that effective digital strategies can be more influential than mere size in achieving financial success.
Key Insights
Here are some compelling findings from the recent study:
- - The most advanced institutions demonstrate correlation between digital maturity and growth, achieving up to five times greater annual average revenue growth compared to less mature peers.
- - The implementation of AI has become a crucial differentiator, with 42% of the most digitally mature institutions actively employing generative AI technology, while only 26% of less mature institutions have ventured into this domain.
- - Mature institutions boast sophisticated data architectures that facilitate effective AI use; notably, 67% can automatically push tailored marketing messages to their account holders.
- - There exists a significant variance in fraud prevention strategies and cybersecurity measures among the two top segments—Digital-Forward and Data-First institutions—with the former excelling in fraud mitigation efforts and the latter focusing on consumer incentives to enhance cybersecurity practices.
- - Furthermore, the digital banking administrative interfaces are more user-friendly in the most mature institutions, with 38% of Digital-Forward institutions and 53% of Data-First institutions reporting better usability compared to other technology stacks.
Looking Ahead
Allison Cerra, the Chief Marketing Officer at Alkami, comments, "Today's most digitally mature institutions are accelerating their AI adoption by leveraging advanced data capabilities, while also redefining 'user experience' to encompass employees in their workflows." She adds that these advancements, coupled with a proactive approach to risk management, are instrumental in broadening the gap between the leaders and their less advanced counterparts.
Yet, the landscape remains adaptable, and institutions of any size can translate enhanced digital maturity into a competitive edge. This report is envisioned as a valuable resource for financial institutions aiming to leverage digital strategies for greater success.
To explore the complete findings presented in the Retail Digital Sales and Service Maturity Model 2025 Update, institutions are invited to access the full report on Alkami’s website. The assessments for maturity models are offered freely for all financial institutions to help navigate their digital transformation journeys.
Alkami Technology, recognized by J.D. Power for providing an outstanding mobile banking platform experience in both 2024 and 2025, continues to lead as a prominent provider of cloud-based digital banking solutions, empowering financial institutions to evolve confidently and foster robust digital communities. For further details, visit
Alkami's official website.