Cutting onboarding time from 11 minutes to 90 seconds

Meridian's account-opening funnel was losing more than half of applicants before completion. The form asked for everything up front, re-verified data the bank already had, and gave no feedback when a step failed compliance checks.

We rebuilt the flow around progressive disclosure — collecting only what was needed at each step, pre-filling verified data via Meridian's existing KYC provider, and giving real-time inline validation instead of end-of-form rejection. Every screen was tested against actual drop-off data, not assumptions.

The new flow shipped in three two-week increments, each measured against the previous baseline. By the final release, median completion time dropped from 11 minutes to 90 seconds, and compliance-related support tickets fell by more than half.