Growing fast, but paying too much for it.
A challenger bank was winning applications but bleeding margin. Paid channels optimised to sign-ups rather than funded accounts, so budget flowed to audiences that never completed onboarding, and compliance review slowed every creative cycle to a crawl.
Optimise to the money, not the click.
We rewired measurement to pass funded-account events back into every platform, so bidding chased real revenue. Then we built a compliance-friendly creative system, pre-approved modules assembled with AI, that cut production time from weeks to days and let us test at genuine volume.
Cheaper accounts at higher volume.
Cost per funded account fell 38% while application volume more than doubled. Because spend now followed customers who actually onboarded, the approval-to-fund rate climbed 44%, turning paid acquisition into a channel the CFO was happy to scale.
They stopped optimising for vanity sign-ups and started optimising for funded accounts. It changed the economics of the business.
