Financial institutions can grow deposits, cross-sell more products, and increase brand loyalty by focusing on the first 90 days of customer relationships. Real-time identity verification services simplify initial interviews with customers and make it easier for branch personnel to focus on needs-based selling. Real time identity verification also reduces fraud and supports compliance with industry regulations such as KYC/CIP. To make the most of these 90 days, institutions should optimize the first 20 minutes of customer interviews, banking experts say.”]