KredoBank: The Right Bank at the Right Time
Goals
Attract new customers through a mobile app — it sounds simple, but in reality, each installation should become not just a number in a report, but a real driver of business: opening cards, connecting products. The plan was ambitious: during one advertising flight (~2 months), scale traffic and increase the number of installations by 80%, which would help the client’s business achieve +15% growth in opened cards.
Challenge
The banking category in digital is practically not growing (source: SimilarWeb PRO, 2025). The average user already has several cards and apps from different banks installed. People rarely look for a new bank; they just use what they already have on their phone.
In such conditions, classic performance becomes more expensive every day, and competition for each installation becomes more aggressive. We needed to not just buy traffic, but appear at the very moment when a person has a specific financial need: “I need an easy-to-understand card,” “I want a profitable transfer,” “Where can I quickly open an account?” And at that very moment, offer a simpler and more appropriate solution. Otherwise, one of our competitors would get the install.
Insight and strategy
After conducting a behavioral analysis, we realized that users don’t choose a bank as a brand. They choose the fastest way to solve their problem. Open a card — now. Transfer funds — without confusing fees. Open an account — in a few clicks. If the app doesn’t explain its value in a few seconds, the decision is made in favor of another.
We built a strategy around the idea of being present at all key touchpoints and immediately responding to requests in the language of Kredobank’s positioning — “correct, transparent, without unnecessary complications.” The ad did not talk about the brand, but showed a specific solution: the simplest and most correct way to meet your financial needs here and now.
Execution
We started with the foundation — optimizing the installation point. We audited the visual and content parts of the pages in the stores and formed recommendations with a focus on clearly communicating value. The user should understand in 3 seconds why this particular bank.
Working with search queries became the basis. We launched search campaigns with broad matching based on AI and an expanded system of negative keywords that was constantly updated. Every relevant query should lead to us, not to our competitors.
But we went further — competitive expansion. We launched advertising for competitors’ brands. Yes, it’s expensive, but it consolidates our presence in a competitive environment and shapes the perception of Kredobank as a strong player. When a user is looking for a solution, they see us — with an alternative that may be better.
The performance mix expanded our reach: Google ecosystem, Meta, TikTok — each channel captured the audience at different stages of the decision-making process. And personalization after a click through custom app pages for users from ads ensured maximum relevance and conversion.
Results
During the flight (October-December 2025), we managed to exceed our goals:
- We increased the number of app installs by 91% (exceeding the target by 13%).
- And the daily number of cards opened in the app increased by an average of +20%, confirming the impact on business results
When performance marketing is successfully combined with clear positioning and a well-thought-out installation point, the app becomes not just another bank on the list, but the simplest and most appropriate solution for the user.