Industries / Banking and fintech

Banking and fintech. Cost and risk: marketing spend and loans repaid late.

Ten likely projects from our library, each with its department, from what each new customer costs to the loans repaid late. Grip reads your own records and picks the four that start.

Discuss your business →See the ten projects ↓

AED 2.28 billionSpent on marketing by one US online lender in 2025, about a fifth of its revenue.

Proven at Enova International

Source: Enova International, Inc., Form 10-K for fiscal year ended 31 December 2025. USD 621.1 million at 3.6725.

The banking and fintech package

Ten likely projects.

Each one from our library, each with the department it serves. Open one to see where it comes from.

01Marketing
New customers each campaign adds, proven against a group that did not see it.
Live on a client's Grip
02Growth marketing
Acquisition budget moved each week to the channels that bring customers, inside limits your team sets.
Proven at Lyft
Source: chiefmartec (Scott Brinker), reporting Lyft Engineering's blog by Ajay Sampat and Patrick McGrath, 'Why Lyft decided to build their own internal martech platform' (7 Nov 2019), on 'Building Lyft's Marketing Automation Platform' (eng.lyft.com, 2019).
03Finance
Acquisition spend kept inside a payback period set for each customer type, reported each quarter.
Proven at Wise
Source: Wise plc, Preliminary results for the financial year ended 31 March 2023 (results announcement).
04Onboarding
Business accounts opened at company setup, through the free zone, the registrar or the setup agent.
Live on a client's Grip
05Cards and payments
Merchant offers shown in your own app, priced on what customers then spend; customer data is never sold.
Live on a client's Grip
06Collections
The first conversation after a missed payment held within days, with collectors and agencies paid on it and on cash recovered.
Backed by research
Source: Financial Conduct Authority (UK), research by Yonder Consulting, Borrowers in Financial Difficulty (research report, June 2022).
07Credit
Approval targets reported beside the impaired book, so volume is never celebrated while losses rise.
Proven at Emirates Development Bank
Source: Emirates Development Bank, EDB Annual Report 2025.
08Customer service
Routine asks done end to end and recorded, with a person only where one is needed.
Live on a client's Grip
09Information security
Every login a leaver held cut, and every shared password they knew changed, on their last day.
Proven at Block
Source: Block, Inc., Form 8-K, Item 8.01, 4 April 2022.
10Compliance
Every national on the payroll matched to a real role, real hours and real pay, before the regulator checks.
Backed by research
Source: Central Bank of the UAE, Administrative and Financial Penalties for Emiratization Violations Regulation (C 6/2025), Articles 4 and 5.

The first proof: a bank.

A bank we work with, anonymous as every client is for now.

A bank's marketing department in the Gulf

2 projects

the first two, live within 48 hours of the start, October 2026

The problem: A marketing department that wanted to work the AI way, fast, without touching core banking.
What we did: We are transforming how the department works, starting with two projects. First, community: what people say about the bank, read every week, with a bank of answers the team approves. Then AI answers: the 15 questions its customers ask AI assistants, tracked weekly across 13 AI channels, in English and Arabic. More of the department's work comes next.

Grip at work

What your Grip looks like.

A sample company, in AED. Yours is built from your own files.

Ask Grip a question in a sentence, answered from the record. Sample figures.

The money at stake.

Public figures, each with its company and year. An estimate is marked.

AED 1.35 billion

Islamic financing more than 180 days past due at one UAE bank at the end of 2025: 7.3% of its gross book.

Proven at Ajman Bank

Source: Ajman Bank PJSC, Consolidated financial statements for the year ended 31 December 2025.

AED 848 million

Held back from dealers by a US lender in 2025 until customers' repayments covered the advance: commission paid out of what is repaid, not what is booked.

Proven at Credit Acceptance

Source: Credit Acceptance Corporation, Form 10-K for fiscal year ended 31 December 2025. USD 230.8 million at 3.6725.

What we stand on

01Awareness proven on a test group

Each campaign read against a group that did not see it, so what it adds in new customers is known.

02Money first

Every project shows the revenue, cost or cash it is worth, in your currency, from your own files, before you agree to it.

03Your systems as they are

We read the systems you already use. Nothing to move, replace or clean up first.

04Value and money found in 2 weeks

A two-week pilot on one department, your first project live and its money delivered by Day 30, then one fixed monthly fee.

Questions

What banks and fintechs ask first.

Three answers, each with one public figure, its company and its document.

Question 1How can AI reduce acquisition cost and bad debt in banking and fintech?

AI reads your own records, department by department, and prices what each likely project would move before anyone is asked to agree. For scale: AED 2.28 billion, spent on marketing by one US online lender in 2025, about a fifth of its revenue (Enova International).

AED 2.28 billionSpent on marketing by one US online lender in 2025, about a fifth of its revenue.

Proven at Enova International

Source: Enova International, Inc., Form 10-K for fiscal year ended 31 December 2025. USD 621.1 million at 3.6725.

Question 2What does an AI transformation programme in banking and fintech start with?

It starts with the revenue, cost and cash you are losing today, read from the systems you already use. One project from the package goes first, the one where the money moves fastest. For scale: AED 1.35 billion, Islamic financing more than 180 days past due at one UAE bank at the end of 2025: 7.3% of its gross book (Ajman Bank).

AED 1.35 billionIslamic financing more than 180 days past due at one UAE bank at the end of 2025: 7.3% of its gross book.

Proven at Ajman Bank

Source: Ajman Bank PJSC, Consolidated financial statements for the year ended 31 December 2025.

Question 3How fast do banking and fintech companies see results from AI?

A two-week pilot on one department finds the value and money in your own data before you commit. Your first project goes live, and its money is delivered, by Day 30. For scale: AED 848 million, held back from dealers by a US lender in 2025 until customers' repayments covered the advance: commission paid out of what is repaid, not what is booked (Credit Acceptance).

AED 848 millionHeld back from dealers by a US lender in 2025 until customers' repayments covered the advance: commission paid out of what is repaid, not what is booked.

Proven at Credit Acceptance

Source: Credit Acceptance Corporation, Form 10-K for fiscal year ended 31 December 2025. USD 230.8 million at 3.6725.

The Perspace symbol resting on the water at blue hour

Start with one workflow.

Tell us what you want to fix. In a two-week pilot we find the value and money before you commit.

Discuss your business →See how we work →