Consumer Finance Has a Loyalty Problem That’s Getting Worse

Consumer finance has never been more accessible. Acquisition is working but retention isn’t.

The average fintech app loses ~25% of users within the first 3 months
70% of consumers feel no loyalty to fintech providers

Become Part of Daily Financial Behaviors

Finance sits at the center of the subscription economy but it faces a fundamental tension:

👉 Financial tools are essential but not inherently engaging.

  • Users onboard, but don’t return

  • Accounts are opened, but underutilized

  • Premium tiers are adopted, then downgraded

  • Engagement spikes around events… then disappears

At the same time:

  • Switching costs are low

  • Expectations for personalization are high

  • Trust is fragile

  • Competition is everywhere

Why Growth Stalls in Consumer Finance

Most fintech and financial products optimize for:

  • Acquisition funnels

  • Product features

  • Performance marketing

But long-term growth depends on something else entirely:

👉 Embedding your product into everyday financial behavior

Without consistent engagement, growth becomes unsustainable.

HoK Solves Fintech Retention & Monetization

We help consumer finance brands turn financial tools into daily habits, and habits into long-term value.

Our focus:

Driving Customer Lifetime Value (CLV) through engagement, personalization, and continuous experimentation.

What We Do

Advisory & Perspective

Prioritize the value levers to drive sustainable growth — quality over quantity.

Goal Alignment

Bring cross-functional teams into alignment around the membership.

Subscription Audit

Diagnose the full subscriber journey for quick wins, hidden friction, and opportunities to strengthen revenue performance.

Audience Research

Test-ready hypotheses, validated and tied to qualified member evidence.

Experimentation Led Growth

Execute and embed testing methods that win 90% of the time to accelerate revenue expansion & retention.

Digital Marketing

Plan and optimize off-site distribution campaigns to acquire, engage, and retain members from first visit to loyal traveler.

How We Work

Diagnose Where Engagement Breaks
We identify:

  • Where users drop off after onboarding

  • Which actions correlate with long-term retention

  • Why premium products fail to stick

  • Where friction exists across the customer journey

Build Behavioral Engagement Loops
We design:

  • Product pathways based on behavior and intent

  • Personalized offers, insights, and recommendations

  • Value reinforcement across the lifecycle

Redesign for Early and Ongoing Value
We help you:

  • Deliver immediate value in onboarding (not delayed benefit)

  • Build clear “first wins” that drive repeat usage

  • Align product experiences with real financial needs and moments

Optimize Through Continuous Experimentation
We test & scale:

  • Pricing and subscription tiers

  • Onboarding flows

  • Incentives and reward structures

  • Engagement loops tied to usage frequency

Consumer Finance Is a Habit Business

The winners offer more than features, they help people manage their money every day. We help you build that.

Loyalty That Lives Inside the Product

  • Higher product engagement

  • Increased subscription adoption

  • Improved retention and lifetime value

  • Sustainable unit economics