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A New Way
Why Banking Needs to Swing Back Toward People
The Failed Experiment
Over the past decade, fintechs and credit unions have raced to digitize every interaction. As the pendulum swung toward digital, product applications, online forms, and self-service portals were built to create convenience for customers and efficiency for institutions. In practice, they've often done the opposite.
60%
Abandonment
(Cornerstone Advisors Digital Banking Performance Metrics, May 2025)
That's the industry average for digital applications and it's the symptom of a deeper problem. When you build more forms, you're admitting you don't really know your customers. Each new interface is another way of asking for information you should already have.
What started as a push for empowerment has become an exercise in repetition. Customers fill out the same data points over and over, and bankers spend their days administering screens instead of building relationships.
Self-service banking in its current form is broken.
The Value of Being Human
At the same time, something interesting is happening in the wider world.
After decades of digital acceleration - and a pandemic that normalized screen-based everything - people are rediscovering the value of being human.
Talking to a person. Visiting a branch. Attending an event. Browsing a store. What used to be dismissed as “friction” is now considered premium, restorative, and worth paying for.
This isn't a rejection of technology; it's a rebalancing. People want the efficiency of digital and the depth of human presence.
The Ascent Approach: Human at the Center, Digital at the Edges
Ascent isn't building more self-service tools. We've built an AI-infused platform that removes the need for them.
We merge data and AI to take the workflow burden off your team and your customers. Ascent reads and understands financial documents, learns your processes, and can execute tasks automatically - freeing bankers to focus on the conversations that actually matter.
With Ascent, data isn't just collected; it's understood.
And when you understand your customers, you don't need to ask them to fill out another form.
The Pendulum is Swinging Back
We believe the next wave of digital transformation isn’t strictly about more technology - it’s about better balance. By using intelligence to re-humanize banking, we can make institutions more efficient and relationships more meaningful.
When bankers stop typing and start listening again, everyone wins.