New real-time collaboration feature gives bank and credit union teams a single, auditable source of truth, improving visibility, decision-making, and regulatory readiness

MANTL, an Alkami solution team and leading provider of loan and deposit account opening technology, today announced the launch of Application Comments, a powerful new feature that streamlines application reviews and enhances compliance oversight. With Application Comments, bank and credit union teams can add time-stamped, immutable notes directly within an application on the MANTL Platform, providing a complete, auditable record of every action, decision, and handoff in the application lifecycle.

MANTL continues to redefine how financial institutions create, review, and book applications, digitizing legacy workflows and replacing siloed communication with transparent collaboration. On average across MANTL customers, 85% of applications opened on MANTL are fully automated and require no review or action by bank or credit union employees. Application Comments will streamline the process for the small portion of applications that require manual review, empowering branch and call center teams to collaborate efficiently and make faster, better-informed decisions.

"Application Comments will transform the way our teams collaborate during the application review process, while also making for more efficient conversions," said Felipe Veloso, senior vice president and director of digital products at ConnectOne Bank. "We look forward to deploying these updates which will further support transparency, streamline our process, and ultimately enhance the banker and client experience. The release of Application Comments reflects ConnectOne's continued partnership with MANTL, built on our shared commitment to growth, continuous improvement, and innovation."

Key benefits of Application Comments include:

• Streamlined collaboration and faster decision-making: Consolidate all application context and communication in one place, increasing visibility, improving first-pass decision rates, and accelerating manual reviews.
• Audit transparency and stronger compliance: Every comment is immutable, time-stamped, and linked to specific actions, creating a comprehensive audit trail. Managers and compliance teams gain complete insight into how and why decisions are made, strengthening regulatory confidence.
• Operational efficiency and measurable impact: By integrating digital collaboration directly into the review process, financial institutions can reduce internal back-and-forth, shorten review resolution times, and minimize context loss, freeing teams to focus on deepening customer and member relationships.

“Every MANTL innovation is built to drive growth, operational efficiency, and improve the employee experience,” said Benjamin Conant, co-founder and chief technology officer at MANTL. “With Application Comments, we’re bringing the same digital convenience and communication people expect in everyday life into the employee workflow, enabling internal teams to collaborate seamlessly, expedite manual reviews, and maintain compliance with confidence.”

The Application Comments feature is available to eligible MANTL bank and credit union customers. To learn how MANTL can transform your onboarding and account opening process and empower your team, or to schedule a demo, click here.

About MANTL

MANTL is an Alkami solution team that offers unified account origination technology, empowering banks and credit unions to open loan and deposit accounts seamlessly on any banking channel in real time. MANTL Deposit Origination is among the fastest and most performant solutions on the market; consumers can open a new deposit account in under five minutes, businesses can open a new deposit account in under 10 minutes, and MANTL customers raise billions in core deposits. MANTL Loan Origination simplifies each step in the loan process, automating up to 100% of loan application decisions to ensure an intuitive, feature-rich experience from personal loans to business financing. Founded in 2016, MANTL was acquired in March 2025 by Alkami Technology, Inc. (Nasdaq: ALKT), a digital sales and service platform provider for financial institutions in the U.S. For more information, visit mantl.com or follow MANTL on LinkedIn.

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