
SwayForward Edition #4
At Swaystack, we have been speaking with leaders across banking and credit unions who face the same pressure: acquisition costs are rising, but engagement is not keeping pace.
Opening an account isn’t enough. And hoping a customer sticks around? That’s a luxury no one can afford.
In this edition, we’re sharing how banks and credit unions are rethinking CAC, activating high-potential segments like HENRYs, and converting sign-ups into real value—faster.
Let’s get into it.
The Hidden Cost of CAC
Customer Acquisition Isn’t Broken, But It Is Bleeding Money.
In our latest post, we explore why CAC is rising rapidly, where most institutions lose value, and how to reverse this trend by investing in early engagement, not just eyeballs.
Inside:
→ Why many institutions can’t track their CAC accurately
→ The post-signup drop-off that costs millions
→ Retention levers that turn spend into lifetime value
Swaystack helps institutions quickly activate new accounts, enabling direct deposit, funding, subscription transfers, and more, from day one.
Spotlight: HENRYs Don’t Want a Bank. They Want a Guide.
High earners, not yet rich, HENRYs, are building wealth, but they are still making critical decisions about where to bank and why. They don’t want fluff. They want relevance.
How Swaystack helps win and keep HENRYs:
→ Fast, mobile-first onboarding that reflects their pace
→ Personalized nudges based on financial behavior
→ Value that shows up early—before the first churn risk hits
Explore how to engage HENRYs with intent.

The Tariff Effect: When the Economy Wobbles, Relationships Matter More
Tariffs, rate volatility, and uncertainty. When confidence wavers, customers and members seek stability. That’s when proactive communication makes all the difference.
Swaystack helps institutions:
→ Reassure new members inside onboarding flows
→ Surface personalized financial guidance in-app
→ Trigger retention campaigns tied to behavioral signals
In challenging moments, people remember who showed up early.

Product Highlight: Better Onboarding That Lives in Digital Banking
Forget the post-signup email drip. Swaystack brings onboarding into the digital experience from the start.
✔️ Direct deposit switch and account funding—right where customers and members are already logged in
✔️ Subscription transfer—move bills and streaming services with just a few taps
✔️ E-statements, SMS opt-ins, and refer-a-friend—all built into a guided flow
No redirects. No friction. Just clear steps that drive primacy, card usage, and engagement quickly.
Want to see what native onboarding looks like? Book a demo.

Where to Find Us: Onboarding That Doesn’t Wait
If acquisition is more expensive than ever, engagement can’t lag behind. That’s why institutions use Swaystack to move faster, turning day-one accounts into day-one action.
And if you’re headed to one of these upcoming events, we’d love to connect in person:
📍 BankTech Ventures Summit 2025
Chicago, IL | May 5–7
We’re joining community banks, fintech leaders, and investors to share how behavioral onboarding drives stronger primacy and loyalty from the start.
📍 Q2 Connect 2025
Austin, TX / May 18-20
As a Q2 integration partner, we’re helping digital teams turn login activity into real relationship momentum. See it live.
👉 Planning to attend? Book a time with us.

What do you want to see next?
We’d love your input for future editions of SwayForward. Drop a comment and let us know.