Wellthi Technologies

Case Study

Citizens Bank

Co-Creating the Future of Social Finance: Wellthi’s Partnership with Citizens Bank

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Challenge

Citizens Bank sought a fintech partner to rapidly test new strategies for increasing digital engagement, especially among women and younger generations. With 85% of U.S. financial decisions made by women and a $68 trillion wealth transfer underway, the need for accessible, community-driven financial tools was urgent.

Solution

Wellthi delivered a white-label social finance app, co-developed with Citizens. The app was launched in the Greater Philadelphia market, focusing on Gen Z/Millennial women and integrating features like peer-driven content, financial calculators, and advisor access.

How it Works

Implementation Highlights

The process for opening a bank account may vary slightly depending on the bank. However, the general steps involved in opening a bank account.

8 UX research studies

and 50 diverse participants helped shape an inclusive, intuitive experience.

01
Integrated key teams

cybersecurity, compliance, wealth management, marketing, and vendor ops.

02
Launched in-market

with agility, adhering to strict privacy and compliance requirements.

03
Case Study

Results

Engagement Rate
80 %

Users liked, commented, shared, or connected with advisors at least 1x per month.

Activity Rate
80 %

Users who downloaded, created an account, and remained active.

Cross-sell rate
10 %
Surpassed industry lead generation rates by 56% in comparison to the traditional B2C app and social networking platforms.
 
Case Study

Key Learnings

The social finance model drives peer engagement and financial confidence. Users valued advisor access, education content, and tools to move money. Wellthi adapted its business model based on real-world compliance insights. The case showed potential for a fast-track innovation process within banking institutions

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We’re building a future where financial empowerment is social, inclusive, and driven by community.

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Request Full Report

We’re building a future where financial empowerment is social, inclusive, and driven by community. — Interested in getting more information out our usecase? Contact us!