Meet Sarah. It is 8:00 PM. She is a high-value prospect attempting to apply for a personal loan on your mobile app. She reaches page 3, gets confused by a document requirement, and closes the app.
In traditional banking, Sarah is a “drop-off statistic.” A generic email might be sent three days later, but by then, she has already secured funds from a fintech competitor with a faster flow.
In 2026, the battle for deposits and loans isn’t won on interest rates alone; it is won on User Journey Velocity. Banks are hemorrhaging potential revenue not because of bad products, but because of friction.
Here is how Mimin’s Agentic AI & Conversational Automation turn these drop-offs into closed deals.
1. Conversational Onboarding (The “Un-Form” Strategy)
Static forms are the enemy of conversion. Signicat’s Battle to Onboard report reveals that 68% of consumers abandon financial applications due to a cumbersome process. Mimin solves this by moving the application into an AI Chatbot Conversational Journey. Instead of a 20-page form, the AI asks, “Hi Sarah, ready to continue? Just upload your document here.” Mimin’s AI handles the inquiry instantly, explaining complex terms (e.g., “What is debt-to-income ratio?”) in plain language, keeping the user engaged rather than overwhelmed.
2. The “Smart Nudge” (Recovering the Ghost)
Sarah leaves the app, standard banks wait, Mimin’s Agentic AI acts. Integrated with your CRM, the system detects the abandonment and triggers a Chat Campaign via WhatsApp within minutes, not days. It sends a hyper-personalized message: “Hi Sarah, it looks like you stopped at the document upload. Do you need help finding your payslip?”
Salesforce data indicates that real-time interaction management can lift conversion rates by over 50%. By using Mimin to automate this follow-up, you recover the lead while the intent is still hot.
3. Instant Execution (The “Zero-Entry” Workflow)
The biggest bottleneck in banking isn’t the customer; it is the manual data entry after the application is submitted. This is where Mimin’s Agentic AI shines. It doesn’t just collect Sarah’s data; it processes it. Once the chat ends, the AI automatically maps the conversation data and pushes it directly into your Loan Origination System (LOS) or CRM via API. It executes the task: creating the application file, generating a reference number, and scheduling the next step. No human admin needs to type Sarah’s details manually.
McKinsey & Company estimates that automating these data processing tasks can increase operational productivity by 30-50%, allowing your team to focus on underwriting, not data entry.
The Future is Fluid
Your customers live on their phones, in their chat apps. If your bank forces them to navigate clunky web portals, you lose. Transform your banking journey from a series of forms into a fluid, intelligent conversation.
Stop losing leads to friction. Discover how Mimin’s Conversational AI streamlines your customer acquisition today.
ABOUT MIMIN
Mimin is a platform that helps businesses to create conversational customer journeys with Artificial Intelligence. With Mimin, businesses can effortlessly build chat journeys and establish a positive customer experience.
The applications that can be generated include, amongst others, the ease of running chat commerce, chat campaigns, customer automation, omnichannel inbox, and Generative-AI chatbot.
With Mimin, businesses can deliver superior customer experiences, strengthen customer relationships, and build stronger customer loyalty.
Learn more about Mimin by contacting:
Mimin
PT. Admin Pintar Kita
Graha Charis Siem
Jl. Tanah Abang 5 No. 21, Central Jakarta
Phone: +62 856 0322 5212
Email: halo@mimin.io
