RESEARCH · CONSUMER BANKING

OnePay's Conversion Scorecard

OnePay scored a 74/100 for customer conversion on its consumer bank account application.

onepay scored 74% on the solo conversion scorecard

Why SOLO Scores

SOLO works with 100s of fintech programs to optimize the unit economics and customer conversion of their data collection processes on behalf of their sponsor banks. This research provides a baseline for the impacts of data reusability through the SOLO network.

Where OnePay falls in the rankings

Every screen of OnePay's application, from first data field to funding. Documented, scored, and ranked.

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What’s behind the score.

OnePay is one of the lightest applications in the category — 10 fields across a handful of lightweight screens, approved within 3 minutes, with clear rationale for every sensitive ask. What holds it back sits at the edges: an ID document upload and selfie video check extend the flow, the direct-deposit connection was bypassed rather than completed — leaving the account unfunded — and no confirmation communication of any kind followed the approval.

10
fields total, including a doc upload and selfie video check
User Effort
Incomplete
account funding, user dropped off at bank account connection
Application time
0
communications after account approved
Decision speed
5/5
clarity of approval - every identity ask explained plainly
Outcome transparency

Methodology

SOLO reviewed the application across four primary categories: User Effort, Application Time, Decision Speed, and Outcome Transparency. Each sub-metric is scored 1–5 against a fixed rubric.

Full Scorecard

17 SUB-METRICS

Sub-metric · What's measured

Total number of screens

How many times the user clicks to the next screen

Score

1 / 5

Why this score — And not more

Four lightweight application screens, plus additional screens for the document upload and the selfie video check — past the 5+ screen floor. A 5 is a single screen.

Sub-metric · What's measured

Total number of fields

Total fields / data points supplied

Score

3 / 5

Why this score — And not more

10 fields total, including the document upload and the selfie video check — inside the 9–11 band. Best-in-class is 1–4.

Sub-metric · What's measured

Manual data entry

Information the user must type in manually, excluding uploads and account connections

Score

3 / 5

Why this score — And not more

Nothing was pre-filled, but minimal data entry was needed. A 4 requires most data pulled or pre-filled automatically.

Sub-metric · What's measured

Document / file uploads

Level of document collection required

Score

4 / 5

Why this score — And not more

A single ID document upload, readily available directly in the application. A 5 requires no upload at all.

Sub-metric · What's measured

Account connections

Level of account connections required or optional, and how they improve the experience

Score

3 / 5 · ceiling

Why this score — And not more

The direct-deposit connector is optional and was bypassed rather than fulfilled — the account was never fully funded. A 5 requires connections that are functional with a clear payoff.

Sub-metric · What's measured

Repeated actions

Number of times a user completes redundant work

Score

5 / 5

Why this score — And not more

Data asks were never redundant — no repeated work anywhere in the flow.

Sub-metric · What's measured

Sensitivity of information required

How much trust is required of the user, and whether it is merited

Score

3 / 5

Why this score — And not more

Sensitive information was required but not requested until mid-application, at an appropriate point with basic explanation — the band-3 case. A 4–5 requires minimized asks with clear rationale and visible privacy protections throughout.

Sub-metric · What's measured

User self-sufficiency

Can the user complete the application on their own

Score

5 / 5 · ceiling

Why this score — And not more

Clear disclaimers and reasons for requesting sensitive PII throughout.

Sub-metric · What's measured

Total number of follow-up actions required

Additional tasks or touchpoints required after initial form completion

Score

5 / 5 · ceiling

Why this score — And not more

One follow-up remains: connecting direct deposit to actually fund the account. A 5 means zero follow-up tasks.

Sub-metric · What's measured

Error recovery & resilience

Ability to recover from mistakes, restart drop-offs, or resume partial completion

Score

5 / 5 · ceiling

Why this score — And not more

Phone and desktop handoffs were seamless transitions back and forth.

User effort. Full Conversion Scorecard methodology by category and sub-metric.
Sub-metric · What's measured	Score	Why this score — And not more
Total number of screens How many times the user clicks to the next screen	1 / 5	Four lightweight application screens, plus additional screens for the document upload and the selfie video check — past the 5+ screen floor. A 5 is a single screen.
Total number of fields Total fields / data points supplied	3 / 5	10 fields total, including the document upload and the selfie video check — inside the 9–11 band. Best-in-class is 1–4.
Manual data entry Information the user must type in manually, excluding uploads and account connections	3 / 5	Nothing was pre-filled, but minimal data entry was needed. A 4 requires most data pulled or pre-filled automatically.
Document / file uploads Level of document collection required	4 / 5	A single ID document upload, readily available directly in the application. A 5 requires no upload at all.
Account connections Level of account connections required or optional, and how they improve the experience	3 / 5 · ceiling	The direct-deposit connector is optional and was bypassed rather than fulfilled — the account was never fully funded. A 5 requires connections that are functional with a clear payoff.
Repeated actions Number of times a user completes redundant work	5 / 5	Data asks were never redundant — no repeated work anywhere in the flow.
Sensitivity of information required How much trust is required of the user, and whether it is merited	3 / 5	Sensitive information was required but not requested until mid-application, at an appropriate point with basic explanation — the band-3 case. A 4–5 requires minimized asks with clear rationale and visible privacy protections throughout.
User self-sufficiency Can the user complete the application on their own	5 / 5 · ceiling	Clear disclaimers and reasons for requesting sensitive PII throughout.
Total number of follow-up actions required Additional tasks or touchpoints required after initial form completion	5 / 5 · ceiling	One follow-up remains: connecting direct deposit to actually fund the account. A 5 means zero follow-up tasks.
Error recovery & resilience Ability to recover from mistakes, restart drop-offs, or resume partial completion	5 / 5 · ceiling	Phone and desktop handoffs were seamless transitions back and forth.

Sub-metric · What's measured

Time from first screen to completion screen

Stopwatch “start” → “complete”

Score

5 / 5

Why this score — And not more

Completed and approved within 3 minutes — under the ≤4 minute ceiling.

Sub-metric · What's measured

Time to complete follow-up requests

Time it takes the user to complete assigned follow-up tasks

Score

4 / 5 · ceiling

Why this score — And not more

The application itself was quick, but direct-deposit setup remains to fully complete onboarding — resolvable inside 24 hours. A 5 means no follow-up at all.

Application time. Full Conversion Scorecard methodology by category and sub-metric.
Sub-metric · What's measured	Score	Why this score — And not more
Time from first screen to completion screen Stopwatch “start” → “complete”	5 / 5	Completed and approved within 3 minutes — under the ≤4 minute ceiling.
Time to complete follow-up requests Time it takes the user to complete assigned follow-up tasks	4 / 5 · ceiling	The application itself was quick, but direct-deposit setup remains to fully complete onboarding — resolvable inside 24 hours. A 5 means no follow-up at all.

Sub-metric · What's measured

Time to final decision, from application start

Stopwatch “start” → account open / decision made

Score

5 / 5 · ceiling

Why this score — And not more

Immediately able to start using features — an instant decision.

Sub-metric · What's measured

Time between communications

Responsiveness for additional tasks needed to move the application forward

Score

1 / 5 · ceiling

Why this score — And not more

No communications arrived at any point — no SMS or email confirmation of the new account. Everything lived inside the app, with no proactive status updates.

Decision speed. Full Conversion Scorecard methodology by category and sub-metric.
Sub-metric · What's measured	Score	Why this score — And not more
Time to final decision, from application start Stopwatch “start” → account open / decision made	5 / 5 · ceiling	Immediately able to start using features — an instant decision.
Time between communications Responsiveness for additional tasks needed to move the application forward	1 / 5 · ceiling	No communications arrived at any point — no SMS or email confirmation of the new account. Everything lived inside the app, with no proactive status updates.

Sub-metric · What's measured

Clarity of approval

Is a “why” stated for the outcome

Score

5 / 5

Why this score — And not more

It was clear what information was needed to verify identity — the assumed eligibility factor — with plain rationale throughout.

Sub-metric · What's measured

Ongoing data usage understanding

Do I know how my data is used on an ongoing basis

Score

3 / 5

Why this score — And not more

A little unclear how data is used long term. A 4 provides ongoing visibility and plain-language explanations tied to user actions.

Sub-metric · What's measured

Data privacy controls

Can I control permissions over who sees what

Score

3 / 5

Why this score — And not more

Basic policies existed, but they were dense and gave no clear controls to permission or revoke data long term. A 4 requires granular, revocable controls.

Outcome transparency. Full Conversion Scorecard methodology by category and sub-metric.
Sub-metric · What's measured	Score	Why this score — And not more
Clarity of approval Is a “why” stated for the outcome	5 / 5	It was clear what information was needed to verify identity — the assumed eligibility factor — with plain rationale throughout.
Ongoing data usage understanding Do I know how my data is used on an ongoing basis	3 / 5	A little unclear how data is used long term. A 4 provides ongoing visibility and plain-language explanations tied to user actions.
Data privacy controls Can I control permissions over who sees what	3 / 5	Basic policies existed, but they were dense and gave no clear controls to permission or revoke data long term. A 4 requires granular, revocable controls.

Opportunity

Highlights

Wins, losses, and what the network would fix.

Category: User effort
Wins: A light 10-field flow with no redundant asks, clear rationale for sensitive PII, full self-sufficiency, and seamless phone-desktop handoffs.
Losses: An ID document upload and a selfie video check extend an otherwise 4-screen flow, and the direct-deposit connector was bypassed — leaving the account unfunded.
Opportunities: Reusable KYC and a verified network identity would remove the document upload and selfie check entirely — collapsing the flow to confirm-and-submit.

Category: Application time
Wins: Completed and approved within 3 minutes.
Losses: Direct-deposit setup remains after the application to fully complete onboarding.
Opportunities: In-flow funding via a pre-verified account connection would close onboarding in the same sitting.

Category: Decision speed
Wins: An instant decision — features usable immediately.
Losses: No SMS or email confirmation ever arrived; all status lived inside the app.
Opportunities: Proactive confirmations and status notifications at each handoff would earn the ceiling.

Category: Outcome transparency
Wins: Clear what information was needed to verify identity, and why.
Losses: Policies were dense, with no clear controls to permission or revoke data long term.
Opportunities: A persistent, plain-language data-use view with granular, revocable permissions would lift transparency to best-in-class.

Opportunity highlights by category: wins, losses, and what the network would fix.
Category	Wins	Losses	Opportunities
User effort	A light 10-field flow with no redundant asks, clear rationale for sensitive PII, full self-sufficiency, and seamless phone-desktop handoffs.	An ID document upload and a selfie video check extend an otherwise 4-screen flow, and the direct-deposit connector was bypassed — leaving the account unfunded.	Reusable KYC and a verified network identity would remove the document upload and selfie check entirely — collapsing the flow to confirm-and-submit.
Application time	Completed and approved within 3 minutes.	Direct-deposit setup remains after the application to fully complete onboarding.	In-flow funding via a pre-verified account connection would close onboarding in the same sitting.
Decision speed	An instant decision — features usable immediately.	No SMS or email confirmation ever arrived; all status lived inside the app.	Proactive confirmations and status notifications at each handoff would earn the ceiling.
Outcome transparency	Clear what information was needed to verify identity, and why.	Policies were dense, with no clear controls to permission or revoke data long term.	A persistent, plain-language data-use view with granular, revocable permissions would lift transparency to best-in-class.

OnePay's Conversion Scorecard

Why SOLO Scores

Where OnePay falls in the rankings

What’s behind the score.

Methodology

Opportunity

Highlights

Replace repetitive workflows with reusable network memory.

Replace repetitive workflows with reusable network memory.