A Mobile-first Bank
By slashing its cost to serve a customer by 75% compared to traditional banks, a pioneering mobile-first bank is revolutionising financial accessibility for millions of Americans. This industry disruptor chose Lasernet, Formpipe’s output and document management software, to power its hyper-efficient operating model.
Mobile-first bank simplifies document management with Lasernet
With the vision of disrupting the American big-banking industry, this mobile-first bank was looking to shake things up. The goal was to help its users become more financially resilient, and that required robust and user-centric backend systems. Through its mobile app, the bank offers customers premium bank accounts with no minimum balance requirements or monthly account fees, high-interest savings accounts and tech-first features to make money management easier.
Despite their intuitive front-end, the bank quickly identified a critical bottleneck: slow and disconnected document management processes. This operational hurdle threatened its ability to scale and truly deliver on its promise, prompting it to seek out a solution to simplify the process and improve its customer communications.

The Temenos partnership
The bank recognised that it needed to overhaul its internal systems to make them more user-friendly. As part of its core banking overhaul, the digital-first bank partnered with Temenos, a global leader in supplying banking software across multiple banking verticals.
Using Temenos’ cloud-native APIs, the bank made life easier for its employees and customers by accelerating new product development, simplifying compliance and scaling operations as momentum builds behind its customer-first approach. While the Temenos partnership brought many positive changes, one operational hurdle had to be overcome if the bank were to fulfil its mission: simplified document management processes.
Lasernet: The key to simplifying complex document workflows
To gain complete control of its document workflows, the bank made a pivotal decision. Key decision-makers identified Lasernet as the missing puzzle piece in their core banking platform.
Since 2006, Formpipe has provided output and document management solutions for many Temenos customers. The two solutions work seamlessly to give users access to world-leading document composition, delivery, and storage for core banking platforms. It was just what the digital bank had been searching for, and it didn’t hesitate to purchase Lasernet as part of its implementation of Temenos’ core banking software. This allowed the bank to deliver a world-class experience to its users and save time and resources for its internal team.


By enhancing the raw data in Temenos’ product suite, Lasernet’s cloud-native solution allows banks to create exceptional documentation in multiple languages while ensuring a consistent corporate standard across all documents. The software allowed the bank to streamline previously complex processes into simplified workflows, benefiting both bank employees and customers. As documents are generated or received, they are automatically stored for immediate retrieval through mobile and internet banking.
Additionally, Lasernet’s configurability enabled the bank to quickly address any problems or gaps in the requirements, ensuring that all data is accurate and contributing to a more transparent and reliable experience for customers.
Tangible results with real ROI from day one
Lasernet delivered far more than just beautiful and accurate documents. Having the software built into the Temenos product suite meant the bank could also rapidly scale document generation and customise output in real-time across multiple channels, including mobile, web and email - all while maintaining brand consistency and regulatory compliance.
The mobile-first bank transformed the platform from a complex labyrinth of disconnected data into a user-friendly system where non-engineers could easily manage and update documents. The benefits of this transformation were twofold: it not only freed up developers for more strategic projects but also significantly reduced the digital banks’ operational workload.
Being a start-up, the US bank moved fast. Lasernet allowed it to operate even more smoothly and swiftly. With the software, it could experiment and respond to customer demand during a period of rapid growth. This resulted in a 4000% increase in statement generation.


It wasn’t only statement generation that benefited from the banks’ use of Lasernet. Efficient backend core banking and document management processes resulted in a 75% lower cost to serve a customer compared to traditional banks. This lower cost/income ratio means it now offers market-leading digital banking services at a lower cost to many other industry players and is well on track to meet its goal of advancing financial inclusion for millions of Americans.
The Senior Product Manager at the mobile-first bank celebrated the software’s positive impact, saying: "Lasernet very much contributes to our business and values. It enables us to act anywhere and everywhere at the same time, providing safe and correct documents, fully transparent for our customers to know all about their account, and empowers them to take financial actions."
Want to see how easy document management can be and achieve real ROI from day one? Learn how Lasernet can transform your business’s document and output management processes.