Elevating ARPU: A focus on sustainable growth
Acquiring customers is expensive—think $200–$500 a pop for fintechs and financial institutions.1 Yet, too many lose users to churn or fail to maximize revenue from existing ones. The solution? Skyrocketing your Average Revenue Per User (ARPU) with embedded fintech products.
ARPU is a key metric that shows how much a particular business earns from a consumer within a specific period. ARPU determines how much revenue a financial institution or fintech company is generating from its existing customer base. It's a gauge for revenue-generating efficiency and works as a basis for pricing decisions and marketing strategies.
Enhancing revenue streams helps increase ARPU, and one way to do this is through financial innovation platforms.
Array’s platform empowers organizations to seamlessly integrate revenue-boosting tools like credit monitoring, subscription management, and fraud protection. The result: happier users, lower churn, and a fatter bottom line—all without rebuilding your tech stack.
Why embedded fintech is an ARPU game-changer?
ARPU enhancement is not as simple as introducing new product features or implementing a higher pricing scheme. Knowing how to increase ARPU means understanding which areas to capitalize on for optimal results.
Unlocking customer segmentation
Looping your users into one market pool can be detrimental to your business which is why customer segmentation is an essential process to enhancing ARPU. Banks leverage customer segmentation to divide their customer base into smaller clusters based on attributes like behavioral data, financial profile or other characteristics that help institutions better understand their audience.
Understanding your customer base and then segmenting accordingly is key to tailoring services to meet diverse customer needs. That’s why organizations use Array's Offers Engine to leverage credit attribute data to market credit products to the correct segment for increased conversion.
Enabling product diversification
Product diversification means launching new products, services, or features to encourage additional customer spending. It relies on the analysis of current market trends to understand customer behavior and identify gaps in the market.
The result: happier users, lower churn, and a fatter bottom line—all without rebuilding your tech stack.
Array's embedded platform makes it easy for businesses to deploy new offerings to customers. Embed our products directly within your existing application or we can help build a standalone experience.
Array’s embedded fintech products platform lets you:
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Unlock new revenue streams with premium subscriptions and affiliate offers.
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Boost retention by delivering tools users love, like credit tracking and fraud alerts.
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Integrate in days with custom, compliant solutions
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Leverage data to personalize offers and maximize conversions
Trusted by leading fintechs and financial institutions, Array is your shortcut to ARPU growth.
Three ways Array drives ARPU
01
Personalize offers, win wallets
Your users crave tailored solutions. Array’s Offers Engine uses credit and behavioral data to display ads for credit products that may be the best fit for your users depending on the parameters you set. Think credit cards or loans that drive conversion. No guesswork, just results. Example: A financial institution used Offers Engine to increase their personal loan value by 3x–4x.2
02
Add value, keep users
Churn kills revenue. Array’s tools like My Credit Manager and Subscription Manager give users sticky reasons to stay. Help them track credit scores or cancel unwanted subscriptions, and they’ll hang out around longer while creating more value for you.
03
Protect and profit
Security builds trust, and trust drives revenue. With Identity Protect and Privacy Protect, you can offer fraud alerts and data protection—high-value services users happily pay for. Example: A fintech added Identity Protect and drove a 96% adoption rate.3
Why choose Array?
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Fast Integration: Launch revenue-driving tools in days, not months.
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Your Brand, Amplified: Custom solutions keep your identity front and center.
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Proven Results: Trusted by top-tier fintechs, financial institutions, and digital brands for measurable impact.
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Our Roadmap: When you partner with Array, you gain access to everything we’ve built—and everything we’re building.
From BuildCredit Account to Privacy Protect, Array’s tools are built to drive engagement, retention, and revenue.
1 Startup Customer Acquisition Cost: Customer Acquisition Cost Benchmarks: How Does Your Startup Compare, Apr 2025;
2 Array Internal Data, 2024;
3 Array x Beem Case Study, 2024
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Editorial Note: This content is the author’s opinion, expression, and/or recommendation(s).