INDUSTRY/Fintech
Grow deposits. Deepen every account.
Activate new accounts, cross-sell cards and lending, and retain the customers that matter most, with 1:1 decisions on real-time product signals.
Markin for Fintech
+31%
activation on new accounts
+2.1
products per active customer
-24%
attrition on primary bank users
The reality today
What growth looks like in fintech.
Every fintech team we talk to fights the same set of frictions. Markin doesn’t add a tool on top, it replaces the rule trees and segments with a decision per user.
- New accounts stall before they become the primary bank.
- Cross-sell into card, savings or lending relies on generic drips.
- Attrition on primary accounts is spotted after the balance already left.
- Compliance friction slows every experiment in personalization.
Use cases
How fintech teams grow ARPU with Markin.
Onboarding
From signup to primary bank
Agents guide each new user through the actions that matter, direct deposit, card use, first transfer, with nudges tuned per profile.
Explore the solutionUser journey · scored live
Cross-sell
Right product, right moment
Card, savings, lending, invest, Markin picks the offer with the highest expected ARPU per customer, then executes across app and email.
Explore the solutionNext best offer · scored per user
Retention
Save the accounts that matter
Predict attrition weeks ahead and trigger the intervention that actually works, rate match, waived fee, human callback, or nothing at all.
Explore the solutionChurn risk · 30d
0.80
Reactivation
Wake dormant balances
Personal reasons to move money in, timed to salary, tax dates and life events, without spraying incentives across the whole base.
Explore the solutionMessage composed · 1:1
Preview
Hey Sara, your usual weekend picks are 20% off through Sunday.
Sent 09:14 local · optimal open window
The actual difference
A decisioning engine picks the best action from a list you wrote. Markin writes the list, and runs it in your stack.
Think of Markin as a data science and growth team that never sleeps: it investigates, forms hypotheses, ships them into your own stack and proves each one against a control group, at a volume no human team can reach.
- Marketing
- Product
- Commercial
- Technical health
Hypothesis space
Everything a human growth scientist would look at.
Most growth problems are not message problems. Markin is not restricted to the campaign surface: if something is holding ARPU back, it is in scope, and it gets tested the same way.
Marketing
The classic surface, but chosen per customer rather than per segment, and always against a holdout.
- Which offer this specific customer is worth making
- Channel and timing chosen per person, not per campaign
- Contact pressure and fatigue arbitrated across every programme
- Win-back economics: who is worth a discount and who is not
Product
Where the customer actually experiences the value, and where most silent revenue loss happens.
- Onboarding steps that lose customers before first value
- A feature with high retention correlation that half the base never discovers
- Paywall and upgrade prompt placement
- In-product surfaces used as a treatment arm, not just email and push
Commercial
Pricing, packaging and the shape of the offer itself, tested rather than argued about.
- Plan and bundle structure by cohort
- Discount depth against margin, not against conversion alone
- Annual versus monthly framing per customer
- Dunning and involuntary churn recovery sequences
Technical health
Anomalies nobody asked it to look for. This is the category no decisioning engine covers.
- A checkout error rate that rose on one device and one region
- Payment failures concentrated in a single issuer or method
- A broken deeplink quietly killing a high-value journey
- Latency or delivery degradation eating conversion before any message does
Think of Markin as a data science and growth team that never sleeps: it investigates, forms hypotheses, ships them into your own stack and proves each one against a control group, at a volume no human team can reach.
For the first time our activation, cross-sell and retention teams share one brain. Markin decides, we ship the products.
Chief Growth Officer
Digital bank, 8M customers
Solutions
Solutions for fintech.
The growth motions Markin runs on your fintech stack, on day one.
Also in this space
Related industries.
FAQ
How fast can we see impact in fintech?
Most teams run a first pilot in 30 days on a single motion (e.g. churn or cross-sell) and see measurable ARPU lift inside 90 days.
Do we need to move our data?
No. Markin reads from your warehouse, CDP or product events directly, nothing gets copied, nothing gets locked in.
How does Markin fit our existing CRM, app and contact center?
Markin executes into the systems you already have, Braze, Iterable, Salesforce, Twilio, your own app SDKs and contact-center tools, via native integrations.
How is this different from a rules engine or campaign tool?
You don’t author segments or rule trees. Agents decide per person, per moment, and are evaluated against ARPU, not opens or clicks.
What about data security and compliance?
Markin is SOC 2, ISO 27001 and GDPR ready, with least-privilege access, per-tenant encryption and audit logs on every agent decision.
See Markin run on your fintech stack.
A 30-minute demo on your real data, the same agents, the same decisions, the same 1:1 execution.