Growth for consumer financial tools.
Budgeting, planning, advisory. We help consumer fintech subscriptions get users past the bank-connection wall, to first insight, and onto annual plans that retain.
Where growth gets hard.
Account linking is where activation dies. When a bank connection fails mid-setup, the budget breaks, the user goes quiet, and you rarely win them back.
Nobody pays before they trust you with their bank login. Price isn't the blocker. The blocker is the "why does this app need my credentials" question, and it has to be answered before the paywall.
Your unit economics live or die on annual mix. Monthly converts easily and churns hard, you need most subscribers on annual to make payback work, and much of the annual churn you see is just failed cards.
Where we go deepest here.
Experiments we'd run here.
Hold the paywall until the user sees their first real spending insight, not at account-connect.
Default to the annual plan with monthly behind a secondary option, and measure the mix shift.
Add a plain-English, read-only-access trust sequence right before the bank-link step.
Fire a loss-framed reconnection nudge within two hours of a broken bank link.
Build a failed-payment recovery sequence: smart retries, card updater, one-tap reactivate.
Test a 7-day versus 30-day trial for a premium-only product.
Run a migration campaign for refugees of a shut-down competitor: one-click import plus a time-boxed annual discount.
Now taking design partners.
A small number of founding partners. If you're product-led and somewhere between $1M and $25M ARR, we'd like to talk. Limited spots.