Fintech Insights
Fintech Unit Economics Tracker: CAC, Payback, and Margin
Headline metrics Blended CAC decreased by 9%, but payback period remains above target in low-activity cohorts. Contribution margin improved in high-frequency users. Interpretation * Acquisition efficiency gains are not yet mirrored in activation quality. * Revenue concentration risk remains high in top 15% of users. * Support cost per active user declines significantly