Channel Migration Intelligence

Monitor Digital/Branch Channel Shifts & Predict Migration Patterns

Executive Summary AI Agent Export PDF
Total Digital Users
32,714
↑ 18.3% vs previous quarter
Migration Velocity
847
↑ 15.7% members/month
Branch Decline Rate
12.4%
↓ 2.1% quarterly
Hybrid Users
8,932
→ 1.8% stable

Channel Migration Trend

Member distribution across channels over time

Channel Preference Distribution

Primary channel usage by members

Migration Velocity by Generation

Monthly migration rate to digital channels

Transaction Volume Shift

Monthly transaction trends across channels

Migration Pattern Analysis by Segment

Detailed breakdown of channel adoption and migration drivers

Segment Digital Adoption Monthly Migration Primary Driver Retention Risk Predicted 2026
Key Insights

Accelerating Digital Shift: Migration velocity has increased 15.7% quarter-over-quarter, with Gen Z and Millennials driving 73% of the migration. Mobile app usage is now the primary channel for 42.3% of members.

Strategic Implications: Branch-only users declining at 12.4% annually suggests need for hybrid service models. Focus digital enhancement for Gen X (68.4% adoption) to capture the mid-market opportunity before competitors.