Problems › How Do We Get More Customers? › Fintech
More customers is an outcome. The decision is which route to them you can afford to repeat. This page works through it for fintech companies specifically — including an unedited excerpt from a real analysis of a fintech.
More customers is an outcome. The decision is which route to them you can afford to repeat. For fintech companies, this shows up in a particular place. The numbers that carry the answer are blended take rate and charge-off rate, and the complication specific to this industry is that lending fixed the P&L and converts revenue worth a 7x multiple into revenue worth a 2x multiple. The general version of this problem and the one you are actually in have different first moves.
Almost every business can name several ways to get customers and few can say which one pays back. That is the actual constraint: not a shortage of tactics, but no evidence about which tactic to do more of.
The productive framing is route economics. For each plausible route — outbound, referral, partners, search, events, channel — what does it cost to acquire one customer, how long until they pay that back, and can it be repeated without the cost rising as you scale it.
Most routes fail the third test. They work at small volume because they depend on the founder's network or attention, and quietly stop when either runs out.
These three together are the signature. One on its own usually points somewhere else.
✓ Growth depends on one person's relationships
✓ Cost per customer is unknown or known only in aggregate
✓ Every channel is being tried a little and none is being tested properly
The move that usually makes it worse. Running several channels at sub-scale simultaneously, which produces no conclusive result on any of them and costs more than testing one properly.
It is for you if you run or finance a fintech and growth depends on one person's relationships. It is the situation where the numbers are available but nobody has put them in an order that produces a decision.
It is not for you if Percision is the wrong tool if you already know the answer and only need execution capacity, or if the business is pre-revenue — then the constraint is evidence about the market, not analysis of your own figures. Percision is not a lawyer, tax advisor, auditor, licensed appraiser, clinical or regulatory filer, or an AI implementation shop. It does not do HR casework, creative-only brand work, or impersonate a named consulting firm. It is a strategy analysis engine — not a template library. Also wrong if you need facilitation, politics, or someone to sit with a lender or buyer. Those are human jobs.
Percision is not a lawyer, tax advisor, auditor, licensed appraiser, clinical or regulatory filer, or an AI implementation shop. It does not do HR casework, creative-only brand work, or impersonate a named consulting firm. It is a strategy analysis engine — not a template library.
Below is an excerpt from a real run of this analysis on a fintech. It is a sample profile rather than a customer, and it is unedited engine output — this is the format you get, on your own numbers.
The subject is Verrano Pay, a sample company profile used for testing rather than a customer — $84M net revenue, 28,000 merchants, $9.4B of payment volume.
Excerpt from a real Percision run · Competitive Positioning · sample company profile
The move. Lift lending take-up from 14% to 22% while keeping charge-offs below 9.0% by leveraging the existing vertical integrations and $9.4B TPV dataset.
| Investment required | $2.8-3.4M total (no new equity) |
| Expected return | Incremental lending revenue of $8.4-11.2M annually at 70% contribution margin yields 2.1-2.8× cash-on-cash return within 24 months on the $3.4M investment |
| Revenue, year 1 | $92-96M FY2026 |
| Revenue, year 2 | $101-110M FY2027 |
| Revenue, year 3 | $118-130M FY2028 |
| Exit criteria | Strategy must be abandoned or pivoted if, within 12 months, (a) take-up has not reached 16% OR (b) charge-off has exceeded 8.7% for two consecutive quarters, OR (c) any one of the three platform partners terminates its integration agreement. |
This is one move out of a full analysis. Read a complete report — every page, no email required.
This question routes to Go-to-Market & Commercial Strategy, one of 29 engagements the platform runs. For fintech companies it works through blended take rate, charge-off rate, contribution margin and CAC by channel, then produces the sequence rather than a list of options — which move first, what it funds, and the observation that would say the sequence is wrong.
You watch the analysis get built before paying anything. Read a complete report here if you would rather see the depth first.
The one where your buyer already is and where you can pay back the acquisition cost within a period you can finance. That is business-specific, and the general answer is worth very little.
One that works, then a second. Running four at a quarter of the necessary budget reliably produces four inconclusive results and the belief that nothing works.
Your sales cycle plus one payback period, with enough volume to distinguish the result from noise. Setting that number in advance is what stops the decision being made by whoever is most persuasive.
Materially, yes. Lending fixed the P&L and converts revenue worth a 7x multiple into revenue worth a 2x multiple — which changes both the diagnosis and the order of the fixes. The metrics that decide it here are blended take rate, charge-off rate, contribution margin, and an answer built on industry-general benchmarks will usually point at the wrong one first.
Less than most people expect. Your last twelve months of revenue and cost split the way you already split it, plus whatever you hold on blended take rate and charge-off rate. The analysis is explicit about what it is assuming where your data stops, which is more useful than waiting for numbers you may never have.
Percision is the wrong tool if you already know the answer and only need execution capacity, or if the business is pre-revenue — then the constraint is evidence about the market, not analysis of your own figures. Percision is not a lawyer, tax advisor, auditor, licensed appraiser, clinical or regulatory filer, or an AI implementation shop. It does not do HR casework, creative-only brand work, or impersonate a named consulting firm. It is a strategy analysis engine — not a template library. Also wrong if you need facilitation, politics, or someone to sit with a lender or buyer. Those are human jobs.
Percision is not a lawyer, tax advisor, auditor, licensed appraiser, clinical or regulatory filer, or an AI implementation shop. It does not do HR casework, creative-only brand work, or impersonate a named consulting firm. It is a strategy analysis engine — not a template library.
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