Alkami and Cornerstone Advisors Release the 2026 Digital Banking Performance Metrics Report for Retail and Business Banking
Summary
Alkami and Cornerstone Advisors released the 2026 Digital Banking Performance Metrics Report, expanding the study to include business banking benchmarks for the first time. The report shows digital channels are now the primary interaction point, with 87% of checking accounts tied to active digital users and 82% of mobile banking users actively engaged. It finds 51% of loan applications now move through digital channels and that digital users hold on average 1.56 additional products, while business findings show 78% of business accounts active online and gaps in digital account opening and loan origination. The research highlights rising adoption alongside persistent friction in account opening and competition from third-party tools, offering benchmarks banks and credit unions can use to guide digital strategy.
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