Channel Migration Intelligence

Decision Pipeline • Q4 2025

Digital Adoption Rate
68.4%
↑ 18.3% vs prior year
Migration Velocity
847
↑ 15.7% acceleration
Branch Decline Rate
-12.4%
YoY change
Hybrid Users
8,932
Using both channels

Action Required

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Channel Migration Trend

Member distribution over time

Primary Channel Distribution

Current member preferences

Migration Velocity by Generation

Monthly digital migration rate

Transaction Volume Shift

Digital vs branch transactions (2025)

Migration Pattern Analysis

Segment Digital Adoption Monthly Migration Primary Driver Retention Risk 2026 Prediction