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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 raced to digitize every interaction. Product applications, online forms, and self-service portals were meant to create convenience and efficiency - but often delivered the opposite.
The numbers are blunt: more forms show you don't know your customers. Each new interface asks for information institutions should already know.
What began as empowerment has become repetition. Customers re-enter the same data, and bankers manage screens instead of relationships.
Self-service banking in its current form is broken.
Abandonment in digital account opening applications
(Cornerstone Advisors and Alkami Technology, 2025 Digital Banking Performance Metrics)
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.
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.
With Ascent's workflows identifying and completing tasks automatically, your bankers are free to focus on the conversations that actually matter
Arjun Sahgal
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.