Prescriptive AI: A Game-Changer for Fintech Growth

Ido Wiesenberg

In the ever-evolving world of fintech, where innovation is the name of the game, companies are constantly on the lookout for ways to stretch their growth potential. But in this fast-paced arena, decision-making becomes a delicate dance—one that touches every corner of the customer lifecycle, from allocating budgets and picking the right channels to crafting the perfect incentives for activation. How do you choose the right path? The right channel mix? The right budget? The right promotion? If you have a helper in decision-making, you’ll outperform your competition.

Prescriptive AI emerges as a guiding star in this complex landscape, offering the precision needed to navigate the twists and turns of customer growth. It begins by helping your ad network partners acquire high-value customers through value-based campaigns, and it doesn’t stop there. It goes on to provide timely, personalized recommendations that boost activation and drive the expansion of your services.

Why It Matters

Facing Down Fierce Competition

In fintech, the competition isn’t just from fellow neo-banks and other new digital channels; you’re also up against traditional banks with loyal customer bases. The ease with which customers can switch services means they often jump from one online platform to another, draining your promotions budget dry. To stand out, you must take charge of your growth strategy and shape it into something distinctly your own.

Balancing Act of LTV and CAC

Customer churn, and the constant hopping from service to service, is one of fintech’s greatest challenges, particularly when it comes to balancing Lifetime Value (LTV) and Customer Acquisition Cost (CAC). Early funnel events, like account openings, may look promising but don’t always translate into profitability. Attracting customers who generate revenue quickly—through fees, loans, savings, or cash advances AND retain—is crucial. But here’s the rub: on day one, all users look the same. It can take weeks, even months, to understand each user’s true value and retention potential. What you need is a crystal ball—a way to peer into the future.

Sending Early Signals to Your Ad Network Partner

Marketers are starting to see the benefits of value-based campaigns, where the goal isn’t just to rack up conversions but to maximize return on ad spend. Yet, simply switching your bidding strategy isn’t the answer. For your ad network partners to perform at their best, they need early signals—ideally within the first seven days, with day one being the most critical. Conversion signals that come later are much less useful because ad network algorithms give higher weight to early data. For fintech companies with longer conversion cycles, this becomes a stumbling block. Without these early insights, you might find yourself stuck, relying on upper-funnel events that offer little long-term value.

The Power of Prescriptive AI

But all is not lost. The beauty of modern fintech is that you have access to rich data sets, a treasure trove that can be used for lifecycle marketing, personalizing recommendations, insights, and tips. With AI at your side, anonymized data points can be transformed into precise predictions and actionable recommendations. This allows you to optimize acquisition efforts, enhance product experiences, improve user flows, and deliver a personalized touch to every customer.

The Voyantis Advantage

At Voyantis, we’ve mastered the art of AI. Our platform delivers outcome-based predictions that help you accurately forecast each user’s future value. By leveraging anonymized first-party and engagement data, we create powerful, tailored predictions specifically designed to align with the unique data points and dynamics of the fintech industry, ensuring they fit seamlessly into your funnel and objectives.

But There’s More

Early on, we believed that optimizing campaigns with predictions alone would do the trick. But after thousands of experiments, we quickly discovered that the process is far more intricate than it seems. The real challenge lies in weaving these predictions into the ever-changing tapestry of real-time data and navigating the unique, ever-evolving algorithms of each ad network—algorithms that seem to shift with every passing month. It’s about adjusting to dynamic conditions, tackling unseen variables, and making sure everything works together harmoniously to effectively influence ad networks.

Since creating predictions is just the beginning, we go further by integrating with your business systems to intelligently orchestrate and automate actions. For value-based optimization to truly succeed, you must consider factors beyond just predicted LTV: How accurate should your predictions be? How do you manage extreme values? What happens if there’s data drift? What’s your match rate? These are the questions that will determine whether your predictive signals can effectively steer ad network algorithms.

We’ve cracked the code of ad network algorithms, turning predictions into actionable steps that are delivered at just the right moment, in a format that’s easy for the algorithms to digest. We’ve learned to navigate the complexities of extreme values and timing, ensuring that the output sent to your ad network results in the acquisition of the most relevant customers, whether they’re on desktop or mobile.

Our AI doesn’t just stop at predictions. With ensemble learning, it transforms data into action, continuously forecasting value and user propensity from the moment of the ad click through the entire customer lifecycle. We update predictions hourly, and blend numerous models, refining campaign performance to a fine art. Instead of struggling to decipher the complexities of ad network algorithms yourself, let us save you time and money on value optimization.

The HoneyBook Case Study

Take HoneyBook, for instance—a company dedicated to helping businesses manage their processes, payments and bookings. HoneyBook’s revenue stream relies heavily on premium users who not only subscribe but also utilize their payment processing services. To propel their growth, HoneyBook partnered with Voyantis to transition to value-based campaigns. With Voyantis’ bespoke predictive models and prescriptive AI technology, combined with our continuity layer, HoneyBook was able to unlock a 2.1X boost in ROAS, attract 3.5X more high-value customers, and slash CAC by 50%. They also ingest Voyantis predictions into their own BI systems, enabling them to make highly accurate forecasts of growth, better manage their channel mix and use real insights for decision making.

“Partnering with Voyantis allowed us to acquire higher-value users at a lower cost. Voyantis predictions are being used as a key decision metric in our day-to-day decision-making”.
Shai Brumer
, Sr. Director, Data & Scale @ Honeybook

In the tightly regulated world of fintech, where privacy and business continuity are paramount, we’ve added an extra layer of safety. Our systems are designed to keep running even if data becomes corrupt or starts to drift. And all of our AI layers meet the highest privacy and consumer protection standards, including SOC 2 Type 2 and ISO 27001:2013.

By leveraging prescriptive AI, your fintech company can rise above today’s challenges, optimizing every stage of the customer journey, and driving growth that’s not only sustainable but scalable. It’s an investment well worth making.

If you’re interested in how leading fintech companies have driven growth through innovation, don’t miss our webinar with Mark Goodwin, Director of Marketing Strategy and Analytics. In this session, he discusses MoneyLion’s journey toward holistic growth, addressing challenges, and implementing strategies like Value-Based Bidding.

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