📊
Customer Stickiness
Demonstrating Deep Customer Engagement & Retention
214,852 Active Customers
8.37 Month Average Retention
Executive Summary
Our customer segmentation reveals exceptional stickiness with high-value users showing sustained engagement, strong retention, and growing revenue per customer.
214,852
Active Customers
(Past 6 Months)
8.37
Average Retention
(Months)
$9.06
Average Monthly
Revenue per Customer
14
Average Monthly
Transactions
5 Customer Segments
Based on engagement, transaction frequency, and lifetime value
💎 Diamond
Customers
18,447 (8.58%)
Retention
13.51 months
Avg Revenue
$30.60/mo
Transactions
44/month
💚 Emerald
Customers
34,721 (16.16%)
Retention
11.35 months
Avg Revenue
$13.96/mo
Transactions
21/month
💙 Sapphire
Customers
49,383 (22.99%)
Retention
9.23 months
Avg Revenue
$6.18/mo
Transactions
11/month
🔷 Ruby
Customers
40,886 (19.03%)
Retention
7.7 months
Avg Revenue
$3.12/mo
Transactions
8/month
⚪ Pearl
Customers
71,415 (33.24%)
Retention
4.64 months
Avg Revenue
$2.08/mo
Transactions
4/month
Diamond Tier Deep Dive
Our highest-value segment: 8.58% of customers driving premium engagement
$1,977
Avg Monthly Funding
$1,758
Avg Monthly Spending
44
Transactions per Month
$30.60
Revenue per Customer
💡 Key Insight
Diamond customers stay 3x longer than average and generate 3.4x more revenue per month than our overall average customer.
Retention Analysis
Average customer stays active for 8.37 months
Customer Funding Patterns
How customers load money into their accounts by segment
💎
Diamond
$1,977
Avg Monthly Funding
Primary: Direct Deposit
Secondary: Cash Load
💚
Emerald
$789
Avg Monthly Funding
Primary: Direct Deposit
Secondary: Cash Load
💙
Sapphire
$279
Avg Monthly Funding
Primary: Cash Load
Secondary: Direct Deposit
🔷
Ruby
$132
Avg Monthly Funding
Primary: Cash Load
Secondary: P2P
⚪
Pearl
$34
Avg Monthly Funding
Primary: Cash Load
Secondary: P2P
Revenue Impact
Monthly revenue generated per customer by segment
💎
Diamond
$30.60
per month
💚
Emerald
$13.96
per month
💙
Sapphire
$6.18
per month
🔷
Ruby
$3.12
per month
⚪
Pearl
$2.08
per month
Weighted Average
$9.06
revenue per customer per month
Product Bundling Drives Stickiness
Customers using multiple products stay active significantly longer
Product Adoption Rates
56.0%
Card + Cash Loads
128,498 users
31.04%
Card + Intl Transfers
71,272 users
22.5%
Card + Top-Ups
51,744 users
20.64%
Card + Direct Deposit
47,403 users
Retention by Bundle
💡 Key Insight
Customers using Card + International Transfers show the highest retention at 29.4% staying 6+ months. Product bundling is a critical driver of customer lifetime value.
Key Takeaways
🎯
Exceptional Retention
8.37 month average retention with top-tier Diamond customers staying 13.51 months - demonstrating deep product-market fit and customer satisfaction.
📈
High-Value Customers
Top 25% of customers (Diamond + Emerald) generate $1,977 monthly funding and drive 3.4x higher revenue than average customers.
💪
Strong Engagement
Diamond customers average 44 transactions per month, showing daily active usage and deep integration into their financial lives.
🚀
Upgrade Potential
With 71,415 Pearl customers (33% of base), significant opportunity exists to move users up-market through enhanced engagement and product features.