In the modern financial environment, where growth depends on active engagement and smart retention strategies, the Dormant Accounts Dilemma (DAD) presents a subtle but serious challenge.

Financial institutions are sitting on a large—and largely overlooked— resource: inactive or low-engagement accounts. They may not show up in the red, but dormant accounts quietly drain operational resources, complicate compliance, and weigh down overall performance metrics.

Worse, they represent lost opportunities for deeper relationships, increased product adoption, and long-term loyalty. Let’s take a closer look at what’s at stake—and how forward-thinking institutions can turn dormancy into a springboard for income growth.