Alkami Report Shows 87% Digital Checking Adoption and 51% Online Loan Apps
Alkami’s 2026 Digital Banking Metrics Report finds 87% of checking accounts active digitally, 82% of mobile users engaged and 51% of loans submitted online. On business banking, 78% of accounts use digital channels while only 17% of institutions offer online account opening and 20% support digital loan origination.
1. Report Release
Alkami and Cornerstone Advisors published the seventh annual Digital Banking Performance Metrics Report for 2026, marking the first time it expands benchmarks beyond retail banking to include business digital banking performance.
2. Retail Banking Findings
Retail metrics reveal 87% of checking accounts are active digital users, 82% of mobile banking users engage regularly, digital loan applications exceed 50% and institutions average 1.56 new products per digital user.
3. Business Banking Findings
Business data show 78% of accounts active digitally and 75% using mobile apps, but only 17% of institutions offer online account opening and 20% support digital loan origination capturing 37% of business loan volume.
4. Strategic Implications
These outcome-focused benchmarks help financial institutions align digital performance with growth objectives and could drive increased adoption of Alkami’s unified digital banking platform solutions.