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Operations Maturity Audit — Neobanks
Score how mature Neobanks operations are — and pinpoint the weakest handoff to fix first.
What this audit examines in Neobanks
- CAC payback rigor — channel-level economics, cohort retention, and a clear definition of an engaged, profitable customer.
- Compliance operating model — three lines of defense, evidence collection, and audit-trail discipline that survives sponsor-bank reviews and regulator exams.
- Sponsor-bank or license strategy — the strategic choice between BaaS partnership, owned charter, and EMI license, and the operating implications of each.
- Revenue-mix expansion beyond interchange — lending, savings, FX, and premium subscriptions as paths to per-customer revenue growth.
Data & Reporting
Whether you can see the business clearly and act on it.
More tools for Neobanks
Burn Rate & Runway
Calculate net burn and see exactly how many months of runway remain. Model scenarios.
Sample output
$500K · $80K burn · $25K rev → 9.1 months
LTV:CAC Ratio
Determine if customers are worth more than they cost to acquire. The unit economics check.
Sample output
$50 ARPU · 5% churn · $200 CAC → 5:1 ✓
AI Readiness Audit
Score process clarity, data readiness, team adoption, and guardrails before investing in AI.
Sample output
67/100 → pilot with control, not full rollout
Cost of Manual Work — Neobanks
Quantify the annual cost and people-weeks lost to repetitive manual work — and the automation payback.
Build vs Buy — Neobanks
Compare the multi-year total cost of SaaS subscriptions against a custom build — with a clear build, buy, or hybrid recommendation.
Revenue Leak — Neobanks
See how much revenue leaks every month from a low conversion rate — and what closing the gap to your target is worth.