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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

For over 20 years, Cornerstone Advisors has delivered gritty insights, bold strategies and data-driven solutions to build smarter banks, credit unions and fintechs. From technology system selection and implementation to contract negotiations, vendor management, performance improvement programs, strategic planning, merger integration and enterprise program management, Cornerstone combines its expertise with proprietary data and research to help financial institutions thrive in today’s challenging environment. For more information, visit www.crnrstone.com, connect with us on LinkedIn and Youtube, and subscribe to GonzoBanker® for our opinionated take on all things banking.