Turning Traffic into Trust: How BCU Cut Application Drop-Off by 16%

Challenge

Consumers expect opening an account or applying for a financial product to be fast, intuitive, and secure. However, too often applicants are still asked to manually enter personal information that slows them down, introduces errors, and leads them to abandon the application entirely.

Solution

BCU addressed this by leveraging Prove Pre-Fill within its Blend digital origination platform. Instead of asking applicants to manually type in personal details, Prove verifies applicants through their mobile devices and securely populates the application with verified personal information, turning a slow, error-prone step into something closer to instant.

The result is a workflow where identity verification isn't a checkpoint that slows members down; it's the mechanism that speeds them up. Verified data replaces self-reported data at the point of entry, giving BCU confidence in every application without adding friction for the member on the other end.

Results

54% less manual data entry

By letting Prove verify and pre-fill applicant data, BCU cut the amount of manual entry required to complete an application more than in half, removing the single biggest source of slowdown and error in digital origination.

Higher completion rates, less abandonment

Less manual entry means fewer opportunities for members to stall, make errors, or give up partway through. Institutions using Prove Pre-Fill within Blend have seen application drop-off fall by an average of 16%, and BCU's own results reflect that same shift: turning more of the digital traffic it already attracts into completed applications and funded accounts.

Security and experience, no longer a tradeoff

BCU set out to prove that removing friction and protecting the institution aren't competing goals. With verified identity data replacing self-reported information at the point of entry, BCU built a digital origination experience that is simultaneously faster for members and more secure for the institution, a model for what modern account opening should look like.