Adepta
All Work

Spec System · A-08 · v0.3

Kite Pay

Make the first transfer feel inevitable and safe.
Web & ProductFintech appMobile Flow
ADEPTA LAB / RUNNING23322 / ADAPTED
Mobile Flowv0.3 / LAB
FEE$2.40
KITETRANSFER$640
arrives today
THE PROBLEM WE ADDRESSCan acquisition and onboarding share one promise?
01Modelled business scenarioCompany and figures are fictional
02Working mechanismMobile Flow
03Modelled outcomeFor commercial orientation

MODELLED BUSINESS SCENARIO

More first transfers from the installs already paid for.

BUDGET$95,000 media / monthPERIOD10-week model
0121% → 34%First transfer
02$31 → $22Verified-user CPA
03+24%Repeat transfer

Modelled from ad promise through verification and first transfer.

BUSINESS MODEL

What is sold and where the problem starts.

01SCALESeries A fintech app
02MARKETUnited Kingdom and Poland
03PRODUCTLow-fee international transfers
04REVENUE MODELTransaction revenue
TASK

Convert more paid installs into verified users who complete a first transfer.

STARTING POINT

The app bought cheap installs, but verification drop-off and generic fee claims limited first transfers.

TARGET

Keep verified-user CPA below $24 and raise install-to-first-transfer above 30%.

THE EXPERIMENT STORY

Installs grew. First transfers did not.

This narrative uses a modelled scenario. The company, budget and outcomes are fictional; the diagnostic and operating logic show how a real engagement would unfold.
  1. 01
    01 / THE BRIEF

    The first symptom was not inside the ad account.

    The promise of fast international payments worked in an ad. Inside the product, identity checks, recipient details and an unexplained fee appeared before the user experienced speed. Acquisition celebrated; activation stalled at the moment trust mattered most.

    Series A fintech app was selling low-fee international transfers across United Kingdom and Poland. The model was transaction revenue. On the surface, the brief sounded direct: Convert more paid installs into verified users who complete a first transfer.

    MODEL
    Transaction revenue
  2. 02
    02 / WEEK ONE

    Install vanity

    The app bought cheap installs, but verification drop-off and generic fee claims limited first transfers. The trap was that isolated metrics still looked acceptable: Video CTR was 0.81%, store cpc was $1.02, and verified-user cpa was $31.

    Broad campaigns delivered low CPI but weak verification. That changed the diagnosis. The issue was not one toggle inside an ad account; it was what the system counted as success and which signal reached the team. The work had to connect media to the outcome that actually created business value.

    Verified-user CPA
    $31 → <$24
  3. 03
    03 / THE TURN

    Carry the exact corridor, fee and delivery time from the ad into onboarding, then bid on a completed transfer.

    The first decision was “Corridor economics.” Set cost and value limits by send country, receive country and transfer size. It was followed by “Promise continuity”: Carry the exact fee, speed and use case from ad through onboarding.

    Moved optimization to verified first-transfer value by corridor. Once the measurement logic was shared, the team could see what to stop, what needed a different message, and where the real constraint sat in the page, lead handling or product availability rather than traffic.

    FIRST DECISION
    Corridor economics
  4. 04
    04 / THE BUILD

    Show the money arriving: one corridor, one fee, one realistic delivery time.

    Show the money arriving: one corridor, one fee, one realistic delivery time. The production plan became 16 corridor videos, 24 fee statics, two onboarding variants and four store-page sets. The tests were not about abstract taste; they covered fee saving, transfer speed, recipient reaction, salary support, family use and business payment.

    The journey was assembled as one chain: Corridor ad → App install → Identity verification → First transfer. Meta, TikTok, Google App Campaigns, Apple Ads no longer lived in separate reports, while AppsFlyer, Amplitude, Branch, BigQuery, KYC provider connected spend, behaviour and the final outcome. Explained why, what and how long before starting the verification screen.

    SYSTEM
    4 channels · 5 tools
  5. 05
    05 / THE DECISION

    Fintech growth is a continuous promise: the number in the ad must survive every screen that follows.

    In the model, video ctr moved from 0.81% to 1.48%, verified-user cpa from $31 to $22, and repeat transfer reached +24%. These are not promises; they make the decision thresholds explicit before real data enters the system.

    Weeks 8–10: Scale by first and repeat transfer. The main conclusion reached beyond a single campaign. The acquisition event moved three steps deeper—from install to a compliant, revenue-producing transfer. That is the logic a real engagement would retain, using the client's actual evidence, constraints and accountable decision makers.

    Repeat transfer
    +24%

KPI / CTR / CPC / CPA

Not one vanity percentage. The full metric chain.

Every figure in this section is modelled to demonstrate the scenario economics.
01Video CTR
BEFORE
0.81%
TARGET
1.30%
MODEL
1.48%

Use-case relevance

02Store CPC
BEFORE
$1.02
TARGET
<$0.80
MODEL
$0.73

Cost of app-store intent

03Verified-user CPA
BEFORE
$31
TARGET
<$24
MODEL
$22

Compliant acquisition

04Install-to-transfer
BEFORE
21%
TARGET
>30%
MODEL
34%

Activation

05Repeat transfer
BEFORE
Base
TARGET
+18%
MODEL
+24%

Early retention

STRATEGY

Four decisions that change the economics.

  1. 01
    Corridor economics

    Set cost and value limits by send country, receive country and transfer size.

  2. 02
    Promise continuity

    Carry the exact fee, speed and use case from ad through onboarding.

  3. 03
    Fix verification

    Explain document steps before KYC and recover incomplete sessions.

  4. 04
    Optimize to transfer

    Send verified, first-transfer and repeat-transfer value back to platforms.

CREATIVE IDEA

Show the money arriving: one corridor, one fee, one realistic delivery time.

PRODUCTION

16 corridor videos, 24 fee statics, two onboarding variants and four store-page sets.

WHAT WE TEST

Fee saving, transfer speed, recipient reaction, salary support, family use and business payment.

PATH TO OUTCOME

  1. 01Corridor ad
  2. 02App install
  3. 03Identity verification
  4. 04First transfer

WHAT DID NOT GO TO PLAN

Problems are part of the work. So are the fixes.

01

Install vanity

PROBLEM

Broad campaigns delivered low CPI but weak verification.

FIX

Moved optimization to verified first-transfer value by corridor.

02

KYC fear

PROBLEM

Users met document requests without context and abandoned.

FIX

Explained why, what and how long before starting the verification screen.

OPERATING CADENCE

What happens while the project runs.

  1. 01Weeks 1–2

    Audit attribution and KYC steps.

  2. 02Weeks 3–4

    Build corridor creative and onboarding.

  3. 03Weeks 5–7

    Launch value campaigns.

  4. 04Weeks 8–10

    Scale by first and repeat transfer.

MAIN TAKEAWAY

The acquisition event moved three steps deeper—from install to a compliant, revenue-producing transfer.

This demonstrates how we think — it does not fabricate a case study.

This is not a client result; the numbers are sample data. For your project, we adapt the solution, tools and measurement to the task and budget.

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