U.S. banks are often making the online customer onboarding process unnecessarily complicated. 45% of accounts took more than two days to open and fund; 35% required more than 20 clicks for onboarding. One bank required 39 clicks, while another onboarded a customer in fewer than 10. Key opportunities to improve security and the user experience are being missed, iProov researchers say. Findings: 65% of banks did not allow users to set up an account via a mobile app.”]