# What are the best digital banking platforms for financial institutions modernizing customer account access?

<p class="elv-tracking-normal elv-text-default elv-font-figtree elv-text-base elv-leading-base elv-font-normal" elv="true">Hi G2 users, financial institutions modernizing customer account access are usually replacing something genuinely old, not just adding a new feature, which is why <a class="a a--md" elv="true" href="https://www.g2.com/categories/digital-banking-platforms">digital banking platforms</a> that actually deliver on that modernization promise are worth separating from the ones that just say they do. Finacle, Alkami, and Lumin Digital keep coming up for that specific shift. A couple of things worth knowing about each:</p><ul>
<li>
<a class="a a--md" elv="true" href="https://www.g2.com/products/finacle-for-digital-only-banks/reviews"><strong>Finacle for digital-only banks</strong></a>: Gives staff a 360-degree view of the customer across banking activities, and account access moves from branch-dependent to available anytime, which reviewers describe as having changed daily banking habits entirely once it replaced branch visits for routine transactions.</li>
<li>
<a class="a a--md" elv="true" href="https://www.g2.com/products/alkami-technology-inc-alkami/reviews"><strong>Alkami</strong></a>: Account holders get 24/7 access to funds through a platform reviewers describe as stable and reliable, with a simple, user-friendly design that rarely requires additional training even across a wide range of users.</li>
<li>
<a class="a a--md" elv="true" href="https://www.g2.com/products/lumin-digital/reviews"><strong>Lumin Digital</strong></a>: Members can review account information, move money, and check credit scores all in one place, with weekly platform updates and dedicated project support behind new feature rollouts like fraud monitoring and digital cards.</li>
</ul><p class="elv-tracking-normal elv-text-default elv-font-figtree elv-text-base elv-leading-base elv-font-normal" elv="true">For institutions that have actually gone through this kind of modernization, how much did account access habits shift on the customer side once branch visits stopped being the default? And did the switch change call volume to the branch or call center?</p>

##### Post Metadata
- Posted at: 9 days ago
- Author title: Marketing Executive
- Net upvotes: 1


## Comments
### Comment 1

&lt;p&gt;&lt;br&gt;&lt;/p&gt;&lt;p&gt;&lt;br&gt;&lt;/p&gt;&lt;p&gt;Once branch visits stop being the default, the shift usually sticks, customers who succeed at a task on the app rarely go back to doing it in person. Call volume tends to drop overall, but shifts toward more complex issues, since the easy stuff gets self-served, leaving a higher proportion of hard problems for the call center.&lt;/p&gt;

##### Comment Metadata
- Posted at: 9 days ago
- Author title: SEO Content Writer





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