Contact Nathaniel

Contact Nathaniel


Nathaniel Harley


Nathaniel Harley is the CEO and co-founder of MANTL, a technology company helping community banks and credit unions thrive. Founded in 2016, MANTL’s platform has helped banks raise billions in core deposits with the highest performing account opening solution on the market. Nathaniel believes that MANTL can help level the playing field for smaller financial institutions. Starting with online account opening software that can be easily integrated into any bank’s core banking software, MANTL aims to provide a competitive advantage to regional and community banks and credit unions. Nathaniel is a serial entrepreneur. Before founding MANTL, Nathaniel founded and invested in several startups and began his career in investment banking at Goldman Sachs. Topics of expertise include: - best practices for onboarding and attracting new customers digitally - how to rethink branch processes for an optimal digital user experience - using technology to lower costs and improve operational efficiency - how to measure the ROI on technology investment - community banking trends - credit union industry trends - tips for successful bank-fintech partnerships - core banking technology: current limitations and where its headed

  • Posted on: 06/22/20204 charts on retail banks moving to platform-based business models in 2020

    A platform-based or open API approach is vital to the success of retail banks. Regional and community banks, in particular, are struggling to compete due to outdated systems. Since replacing an entire legacy core banking system isn’t always realistic, a platform-based approach enables banks to improve one piece at a time. The banks that I have seen do this successfully set clear goals for their institutions, such as raising $100 million in deposits in 5 months, and then build their digital strategy and vendor selection process around these outcomes. We are at the beginning stages of unbundling banking infrastructure. The next big wave in fintech disruption is sure to be felt by the legacy vendors that have grown complacent by the lack of competition. And this will hopefully lead to a shift in banks viewing technology purchases as investments and not solely as expenses.

  • Posted on: 06/05/2020‘PPP may end up being the straw that breaks the camel’s back’: Small businesses increasingly turn to smaller banks and fintechs during the pandemic

    The big banks failed America’s small businesses. Community banks have been there for small business owners during COVID-19, and long before. The benefits that they bring to communities around the country are only heightened during times of crisis. The next challenge for community banks is to foster these new relationships and make it easy for SMBs to migrate more of their business digitally. This is a huge opportunity to truly gain back market share that shouldn't go to waste.