Fintech video ads that pay off in verified customers, not downloads
A download is worth nothing until someone passes the identity check and puts money in. We make plain-language video ads that show your real app, get through compliance, and are judged on verified, funded customers. Twenty at a time, the first ones 72 hours after your compliance team approves the scripts.
- 20
- 72 hrs
- $7,500
Brands we’ve made ads for: Bidco Africa, Oraimo, Hillson, 8 Ball Pool, and Ribena East Africa. Ads run on Meta, TikTok and YouTube.
The short answer
A fintech marketing agency finds customers for banking, payments, savings, lending and investing apps, and gets them through sign-up, the identity check and a first deposit. Lumivance does it with video ads that explain one thing plainly, show the real app, and carry only the claims your compliance team has approved.
| What we make | UGC-style and product-led video ads, 20, 40 or 80 at a time |
|---|---|
| Channels | Meta, TikTok and YouTube |
| Judged on | Cost per verified customer or first deposit |
| Published results | Client ads for Bidco Africa, Ribena East Africa, Oraimo, Hillson and 8 Ball Pool are on this site. No client results are published yet. |
| Fees | Sprints from $7,500 for twenty ads, fixed. Media buying on a retainer, quoted after an account review. |
Where fintech apps lose money
Money apps lose most people between the download and the first deposit. The ad sets up every one of those steps.
- Stage 1
Sign-up
- What goes wrong
- The ad sold a feature, the app opens on a long form, and people give up halfway.
- What we change
- Show the sign-up as it really is, so the people who start expect it.
Cost per completed sign-up
- Stage 2
Identity check
- What goes wrong
- The ID check comes as a surprise. People don’t have their card to hand, so they leave.
- What we change
- Ads that mention the check and how long it takes. It filters out people who were never going to finish.
Cost per verified account
- Stage 3
First deposit
- What goes wrong
- Verified accounts sit empty because nobody gave them a first thing to do.
- What we change
- Ads built around one first task: send money home, set one goal, split one bill.
Cost per funded account
- Stage 4
Lifetime value
- What goes wrong
- Customers who never use the account twice make the cost per sign-up look better than it is.
- What we change
- Read each angle on the customers it brought in after 30 days, and brief the next batch from that.
Customers active at day 30
The rules money ads play by
| The rule | What we do about it |
|---|---|
| No promised returns | “Double your savings” is out. Rates appear only if they’re the real ones, with their conditions, and investing ads carry the risk warning your regulator requires. |
| Licences and verification | In many countries Google and Meta ask financial advertisers to prove they’re authorised before ads can run. We ask which markets you’re cleared for before we script. |
| Restricted targeting | In the US and several other countries, Meta puts credit and other financial ads in a special category with limited targeting. The creative has to do more of the work, so we write for a broad audience. |
| Crypto is stricter still | Crypto products usually need a platform’s approval first, and some placements are closed to them. Check what you’re cleared to run before you book. |
| No invented customers, no advice | A generated presenter can explain a feature. It can’t say it paid off its card, and it never tells viewers what to do with their money. |
Do the maths
What the same budget buys if each verified customer costs less. Change the numbers to yours.
- 333
- 444
- +111
Lots of sign-ups and not many funded accounts? Tell us what you’re running and we’ll tell you where we think people are dropping out.
Ask for a second opinionLumivance, in-house or a generalist agency
Three ways to keep new ads coming. This compares how each is set up, not what any of them will achieve.
| Lumivance | An in-house team | A generalist agency | |
|---|---|---|---|
| What you pay for | A fixed price per batch of finished ads | Salaries, tools and shoots | A monthly fee, often a share of ad spend |
| New ads a month | Twenty to eighty, planned as one test | As many as the team has time to make | Usually a handful per campaign |
| Judged on | Cost per verified or funded customer | Whatever the team agrees | Often clicks, views or installs |
| Sector rules | Written into every script and signed off before production | Known well, if someone owns them | Learned on your account |
| First new ads | 72 hours after the brief | After the next shoot | Usually a few weeks |
Angles we’d test first
- The fee they’re paying now
- Open on a cost the viewer already has: the transfer fee, the overdraft charge, the exchange rate. Then show yours, with the real numbers.
- The quick set-up
- Sign-up shown from start to finish, if it really is that quick. Speed claims are only worth making when the screen recording proves them.
- See where it goes
- For budgeting and saving apps, the product is the demo: one month of spending, sorted, on screen.
- What happens to my money
- Say how funds are held and who regulates you, in the wording your compliance team uses. Trust is most of the sale.
- One job, done
- Splitting a bill, sending money abroad, rounding up change. One task per ad, shown from tap to done.
Compliance signs off before we make anything
Every script goes to your compliance or legal team before production, with each claim, rate and disclaimer pulled out into one list so it’s quick to check. Nothing is generated until they’ve approved it.
Rates, fees and disclaimers are copied from your approved wording, word for word. If a rate changes, tell us and we’ll re-cut the ads it appears in.
From first call to scale
- 1
Brief
A call with marketing and, ideally, compliance: the product, the markets you’re licensed in, your approved wording and what you can’t say.
Day 1 - 2
Scripts and a claims list
Twenty scripts, with every claim, rate and disclaimer listed separately for sign-off.
Days 1–2 - 3
Sign-off
Your compliance team approves, edits or cuts. Production starts only on approved scripts.
Your timing - 4
First ads, then the full set
First ads 72 hours after approval, the rest on the next cycle, with the test plan.
After sign-off - 5
Read, cut, scale
Results read on the number we agreed, losers cut, winners given budget, and the next batch briefed from what won.
Ongoing
Is your fintech app ready to scale paid?
Tick what’s true. It takes thirty seconds and nothing is sent anywhere.
0 of 5Early. Tracking and the bidding event come before more ads. On a retainer, that’s where we’d start.
What it costs
The same three sizes for every sector. A sprint is a fixed price for a fixed number of finished ads.
Sprint 20
$7,500
- 20 finished ads
- Up to 15 seconds each
- First ads in 72 hours
Sprint 40
$12,000
- 40 finished ads
- Up to 30 seconds each
- First ads in 72 hours
Sprint 80
$21,750
- 80 finished ads
- Up to 60 seconds each
- First ads in 72 hours
Questions about fintech marketing
How much does a fintech marketing agency cost?
With us, ads are a fixed price per sprint: $7,500 for twenty ads, $12,000 for forty or $21,750 for eighty. If you want us to run the campaigns as well, that’s a monthly retainer, quoted after we’ve looked at your ad account. Ad spend always goes to the platforms directly.
How do you keep fintech ads compliant?
Your compliance team sees every script, with each claim listed separately, before anything is made, and every finished ad before it runs. Rates and disclaimers are copied from your approved wording.
How do you optimise for verified customers instead of installs?
We judge each ad on the step that means a real customer for you, such as a passed identity check or a first deposit, and name every file so the result traces back to the angle.
Will our compliance team accept AI-made ads?
That’s their call, which is why they approve every script first. Presenters are labeled as AI where platforms require it, and they never pose as customers.
Can you show real rates and fees?
Yes, copied from your approved wording, with the conditions and disclaimers that go with them.
Do you work with crypto products?
We can make the ads, but crypto advertising needs platform approval first and is closed in some markets. Check what you’re cleared to run before you book.
Do you need access to our customer data?
No. We need results by ad, for whichever step you judge on. Customer data stays with you.
How long until we see results?
The first ads arrive 72 hours after the brief. A fair read on which angles win usually takes one to two weeks of spend. Reading them on verified customers takes longer, because that step happens later.
Want to see what we’d test first?
Tell us what you sell and what you’re running now. We’ll come back with the angles we’d test first and what it costs.