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Research Report 

The Next-Generation Digital Banking Platform 

Fintechs, merchants’ mobile apps, and other providers are threatening digital adoption at community financial institutions. Not helping is the fact that banks’ and credit unions’ digital banking platforms are struggling to deliver competitive products and services. For this report, commissioned by Q2, Cornerstone’s Ron Shevlin interviewed chief executives at leading community-based financial institutions about their digital banking challenges. His findings? It's time for a refresh of digital banking platforms.

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What You'll Learn in this Report

• How consumers use today’s digital banking platforms 
• Why digital banking platforms struggle to integrate with other applications and data sources, personalize banking services, and deliver digitally native products and services
• What the next generation of transformative digital banking platforms will look like, incorporate, and be able to do 

Report Stats At a Glance

24%

 

drop in mobile banking app satisfaction between 2021 and 2024.

75%

 

of Gen Z consumers use digital channels most frequently for banking.

35%

 

of banks and credit unions had already deployed chatbots going into 2025.

Ready to See Real Results With Your Financial Institution?

Solutions from Cornerstone Advisors

Cornerstone Advisors - Core Systems - Conversion and Implementation

Digital

We help you drive measurable value from your digital investments. Our expert team partners with you to deliver end-to-end support across your key digital initiatives—from strategy to execution. Whether you're modernizing legacy platforms, optimizing digital contracts or scaling new technologies, we ensure every step is aligned to your business objectives. With decades of experience and deep industry insights, we help you make smarter digital decisions and turn your technology partnerships into a true competitive advantage.

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About Cornerstone Advisors

At Cornerstone Advisors, our goal is to deliver tangible business impact to financial institutions and fintechs. We know that when institutions improve their strategies, technology, and operations, enhanced financial performance naturally follows. Because we live by the philosophy that businesses can’t improve what they don’t measure, we show banks and credit unions how to use laser-focused measurement to make smarter technology decisions.