The Fintech Risk Architecture Redesign That Cut CAC by 32%

Starting Point
A high-demand fintech app grew rapidly but CAC kept rising and funnel efficiency collapsed.

Underlying Structural Problem

The company used a generic acquisition model that ignored financial risk tiers:

• misaligned underwriting logic

• wrong customer segmentation

• messaging not tied to user-level risk profile

• product value not communicated at the decision point
   

Strategic Interventions

Across 10 days, we rebuilt the acquisition architecture:

• redesigned segmentation around risk-adjusted lifetime value

• rebuilt messaging to map directly to financial urgency

• recalibrated product flow to reduce drop-offs

• engineered a pricing logic tied to predictable credit outcomes
   

Impact

• CAC ↓ 32%

• LTV ↑ 21%

• new valuation model supported higher investor confidence

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