01
Context
Revolut has 68.3M retail customers and strong engagement, but subscriptions represent only 15.7% of revenue (€706M). Most users stay on the free plan because they don't perceive enough incremental value to pay.
02
Analysis
- Client segmentation: "international professionals / core digital natives" as the highest-impact segment
- Competitive benchmarking against neobanks, traditional banks, and fintech ecosystems
- Sales-channel evaluation (in-app, CRM, referrals) against user friction points (FX fees, ATM limits)
03
Recommendation
A behavior-triggered conversion strategy: detect high-usage moments (FX, travel), quantify the money the user is leaving on the table, and convert with one-tap upgrade prompts, targeting 450K new premium users across Spain, France, and Italy within 6 months.