Scaling a Digital-First Neo-Bank – NiyoX-style Platform

➤  Client Background

• Client Name: Confidential (Neo-bank-style fintech)

• Industry: Digital Banking & Wealth Management

• Target Market: Salaried millennials (age 22–35) in Tier 1 and Tier 2 cities

• Product: Zero balance digital savings account with investment & expense tracking tools
    

➤  Problem Statement

• Low app installs despite 4.5+ star rating and high intent audience

• High bounce rate from Google Ads landing pages

• CPL (Cost per Lead) = ₹380; most leads not KYC-verified

• Weak awareness of brand among digital-native target audience

• Low CTR from performance marketing due to bland creatives

➤  Zantera’s Digital Strategy

1. Funnel Segmentation & Ad Personalization

• Created segments by salary range, metro vs Tier-2 location, and age bracket

• Personalized ad creatives based on user persona:

• Metro Millennial → “Track all your spends in one tap”

• Small-town Job Starter → “Zero balance savings + ₹250 Amazon voucher”

• Ran multi-stage Google + Meta funnel (Awareness > Install > Signup > Invest)

 
     2. Landing Page Optimization

• Switched to single-scroll design focused on CTA

• Added step-wise explainer on “How to start saving in 3 mins

• Added UPI trust markers & testimonial carousel

     3. Referral & Gamified Incentive Ads

• Built creative assets around “Save ₹50 daily, earn ₹10K/year” calculator

• Used gamified progress bar ads for “Complete your full KYC to earn ₹500 bonus”

➤  Budget's Breakdown

• Google App Campaigns Budget increased from ₹3.2 Lakhs to ₹5.5 Lakhs to boost installs and engagement through optimized targeting.

• Meta Ads (Facebook & Instagram) spend was scaled from ₹1.8 Lakhs to ₹3 Lakhs to support personalized, persona-based funnel campaigns.

• Programmatic Ads (DV360) introduced with a ₹1 Lakh monthly budget to enable retargeting and expand brand visibility.

• Total monthly spend overall digital budget rose from ₹5 Lakhs to ₹9.5 Lakhs, enabling a wider, multi-platform presence.

➤ Campaign Results (45 Days    Comparison)

• CTR – Google Ads

  Improved from 1.6% to 3.4%, showing stronger ad relevance and engagement (+112%).

• CTR – Meta Campaigns

  Increased from 0.92% to 2.7%, driven by personalized messaging (+193%).

• Cost per Lead (KYC-Verified)

  Dropped from ₹380 to ₹165, improving acquisition efficiency (-57%).

• Install-to-KYC Verification Rate

  Rose from 17% to 39%, indicating better onboarding and lead quality (+129%).

• Conversion to Active Users

  Increased from 9% to 23%, showing higher post-KYC engagement (+155%).

• ROAS (30-Day Attribution)

  Jumped from 0.9x to 2.1x, reflecting a 133% improvement in ad profitability.

👉 Book a free growth consultation

👉 Explore our success stories with service-based clients