Digital Onboarding and FinGoal partner to turn transaction data into growth. One click at a time.

Boston, MA (July 28, 2026) - Digital Onboarding, a leading data-driven lifecycle engagement platform for community banks and credit unions, today announced Ready-to-Launch Audiences, powered by FinGoal. A new capability that packages complex transaction intelligence into pre-built, easy to select, audience segments, making precision targeting accessible to every FI marketing team regardless of data sophistication.

While some platforms attempt to bridge data and engagement, the result is often fragmented, requiring exports, manual syncing, and disconnected workflows. Ready-to-Launch Audiences eliminates that entirely. The same platform that identifies the opportunity activates the campaign and measures the result. No exports, no imports, no lag.

The challenge for most community financial institutions isn’t a lack of data, it’s a lack of time and resources to turn that data into action. Ready-to-Launch Audiences eliminates that burden entirely. Digital Onboarding does the intelligence work behind the scenes, combining FinGoal’s transaction-level behavioral signals with product data, spending patterns, and financial services expertise, and surfaces the result as a single named audience in the campaign builder. A marketer selects “Take Back Auto Loan from Competing FIs” and every signal, exclusion, and behavioral filter has already been identified, validated, and applied. And because audiences are powered by live daily FinGoal enrichment, membership updates automatically as account holders’ behavior changes — never a stale list.

Audiences built around real opportunities

‍Predictive Audiences identify account holders most likely to open a specific product or at risk of leaving, based on real transaction behavior:

• Loans — Account holders signaling readiness for an auto loan, HELOC, or personal loan through competitor payments, home improvement spending, life events, or household changes
• Merchant Services — Business owners and sole proprietors with Stripe or Square income flowing into their accounts
• High Wealth & Savings — Account holders with idle capital or money moving to external investment platforms, wealth managers, or high-yield accounts elsewhere
• Churn Risk — Account holders showing declining everyday spend, disappearing bill payments, or loss of recurring income

Curated Growth Audiences include 12 audiences spanning lending, competitive takeaway, debt consolidation, high wealth servicing, deposit growth, P2P intelligence, and business service activation. Each one pre-built, validated, and ready to activate in a single click.

Custom Audiences enable financial institutions to build segments that reflect their own strategy and business outcomes. Drawing from a library of hundreds of transactional behavioral tags, spanning spending patterns, life events, product relationships, income signals, and persona attributes, institutions can define and activate audiences that are uniquely meaningful to them.

Today, institutions work with Digital Onboarding to bring their strategy to life. Tomorrow, they’ll simply tell our AI what they’re trying to accomplish and it will be done.

Smarter targeting. Measurable growth.

‍With Ready-to-Launch Audiences, institutions activate highly targeted campaigns across email, SMS, personalized microsites, digital banking, and in-branch interactions with performance tracking built in:

• More deposits — Identify account holders with external savings relationships and shift primacy back to the institution
• More product relationships — Reach account holders at exactly the moment behavioral data signals readiness to open a new product
• Competitive wins — Target account holders actively using competitor banks, fintechs, and lenders with a relevant, timely offer
• Faster campaigns — From goal to launch in minutes. No data science or manual audience building required

Community financial institutions sit on some of the most valuable behavioral data in financial services​, but most of it never makes it into a campaign. Ready-to-Launch Audiences changes that. We’ve combined FinGoal’s transaction intelligence with our own financial services expertise and built it directly into the campaign builder, so a marketer can go from ‘I want to win back auto loans from competing FIs’ to a live, precisely targeted campaign in a single click. The intelligence is already there. We’ve just made it effortless to act on.”​, said Ted Brown, Co-founder & CEO, Digital Onboarding.

About FinGoal

FinGoal’s Insights Platform turns transaction data into highly detailed behavioral personas, surfacing the most relevant calls-to-action for each account holder. FinGoal builds analytics and infrastructure for trusted financial institutions predicated on understanding account holders on a more human level — what they care about, what they value, and what is motivating them right now. Learn more at fingoal.com.

About Digital Onboarding

Digital Onboarding is a data-driven lifecycle engagement platform designed specifically for community banks and credit unions. By connecting core and third-party data, it identifies moments that matter across the account holder journey and delivers the next best action in the account holder’s preferred channel — email, SMS, microsites, or digital banking.