# The future of
data-driven
finance

©2025 DIGITS
All rights reserved.
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+98.7%
Market penetration

## Digits
in numbers

Empowering businesses with data-driven financial insights. With over 10 million users and 75 million data points analyzed, the platform is reshaping real-time financial decision-making across markets.

Snapshot · Q1 2026
12.8M
Transactions processed
41M
Total revenue impacted ($)
15.4M
Users engaged
Data points analyzed
85.6M
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## Key features

Three primitives
01

### Seamless transactions

Effortless and secure digital payments with real-time processing, ensuring a smooth experience for every user across every channel.

02

### Data insights

Leverage advanced analytics to uncover patterns, surface anomalies, and unlock new opportunities for the business.

03

### Risk modelling

Predictive models tuned on billions of events score risk in milliseconds, so teams can act before exposure compounds.

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Section 03 / Market

## Market
penetration
doubled.

Year-on-year reach across our six largest regions. The platform now touches roughly one in three small-business accounts in core markets.

FY24 vs FY25 · Indexed (FY23 = 100)
FY24
FY25
NA EU LATAM APAC MENA SSA
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Section · Vision
02
What comes next

## Build the
engine of
modern money.

We are betting that the next decade of finance is owned by platforms that can model the world in real time, then act on it without a human in the loop.

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PORTRAIT / B&W
"

> The platform replaced four legacy systems and a quarterly committee. We now decide in minutes what used to take a month.

CFO · Mid-market retailer
Marta Aguilar
07 / 12
Take three things away

## Next
steps

01 · Today

### Pilot one workflow

Pick a single decision your team makes weekly. Wire it through the platform and benchmark against the current process.

≈ 2 weeks
02 · Next month

### Scale the wedge

Expand the pilot to two adjacent workflows. Use the playbook the integrations team will share by Friday.

≈ 6 weeks
03 · This quarter

### Make it the default

Retire the legacy stack for that domain. Move the freed-up budget into the next bet.

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Action title · 09

## The trust gap is built in the first 72 hours, not the first 7 days — and the cost compounds for the rest of the lifecycle.

### What we found

Three behavioural signals in the first 72 hours predict 18-month retention better than any feature-usage metric we tracked.

- Email open #2 — opening the second lifecycle email lifts D90 retention by 19 points.
- Personal salutation — accounts that received a written welcome retained 2.4× the cohort.
- Reply received — a single human reply within 24 hours is the single largest lever measured.
- Mobile-first session — a same-day mobile sign-in doubled the chance of a second-week return visit.

N = 14,200 · Q1 2026

### Why it matters

$4.1M projected retained ARR — current cohort.

The first three days are the only window where customers are both paying attention and willing to write back. Every interaction here does the work of roughly four interactions in week three.

The cost of getting this wrong is not refunds — it is the long, quiet churn of an account that never returns to the inbox, never opens another email, never sees the product again.

Replicated on three independent cohorts. The signal is the same in every segment we have tested.

Modelled on FY24 cohort behaviour

### What to do

- Rewrite emails 1–3 in human voice; ship behind a 50/50 holdout. Owner: lifecycle. Due: May 17.
- Route every signup to a named human for one personal reply within 24h, capped at the top 200 accounts/day. Owner: success. Due: May 24.
- Instrument the 72-hour window as a first-class metric in the weekly review. Owner: analytics. Due: June 1.
- Run a quarterly teardown of the bottom decile — the cohorts that never made it to email #2 — to find the next lever. Owner: research. Due: June 30.

Pilot scope: top-decile signups
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Section · Evidence

## The curve
bends at
day three.

Cohorts that received a written welcome and a human reply within 24 hours retain at roughly 2× the rate of the templated cohort, and the gap holds for ninety days.

Templated welcome (control)
Written welcome
Written + human reply
% of cohort active, by day
100 75 50 25 0
D0 D7 D14 D30 D45 D60 D90
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## From insight
to default,
in five moves.

A repeatable path each pilot follows end-to-end before it is allowed to graduate to the default experience for every customer.
01 · Frame

### Hypothesise

Translate the insight into a single behavioural hypothesis we can falsify within a sprint.

02 · Design

### Sketch

Smallest end-to-end change that lets the hypothesis be tested cleanly.

03 · Pilot

### Ship 50/50

Holdout in one segment. Hold the line for two cycles before reading.

04 · Read

### Decide

Pre-registered metrics only. Kill, scale, or extend — not three of three.

05 · Default

### Graduate

Promote to the default surface and retire the legacy path inside the same release.

Outcome

### New default

A change every customer feels — backed by a result we can show.

Week 1 · Frame Week 2–3 · Design Week 3–6 · Pilot Week 7 · Read Week 8 · Default Total · 8 weeks
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## Where each
pilot earns
its keep.

Scored against the four levers that matter most this cycle. We will only carry forward bets that win on at least two.
Lever
Rewrite welcome
Quiet upgrades
Inbox-as-search
Time-to-impact
≤ 4 weeks
6–8 weeks
≤ 4 weeks
Build cost
Low
Medium
Low
Retention lift (model)
+19 pts D90
+7 pts D90
+5 pts D90
Risk to power users
None
Material
Soft, reversible
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