Fintech · Digital wallet onboarding
Cutting wallet onboarding from 11 minutes to under 2.
A high-growth Pakistani digital wallet competing with established neo-banks.
- −82%
- Onboarding time
- 71%
- Sign-up completion, from 38%
- −44%
- Effective CAC
- Flat
- Fraud rate
The challenge.
The wallet was burning paid acquisition spend without converting. Sign-up completion sat at 38%, and KYC alone took eleven minutes across three document uploads and a video step. The compliance constraints were real; the way they had been engineered into the flow was the problem.
How we worked
The ADAS framework, applied to this build.
Architect
Mapped the funnel against drop-off data and pinpointed three friction points causing 80% of abandonment, then worked alongside their compliance team to separate regulation from inherited habit.
Deliver
Rebuilt CNIC capture with on-device edge detection and replaced the 30-second video liveness check with a 4-second selfie sequence. Re-sequenced KYC so compliance was met in a smarter order, not bypassed.
Advise
Stayed as their product-engineering thinking partner through post-launch optimisation. When the regulator updated guidance mid-rollout, we adapted the flow inside a week without touching the gains.
Scale
Designed the onboarding stack to plug in new identity providers, new markets, and new product lines without rework. The same architecture now supports international expansion.
The outcome.
Onboarding dropped to under two minutes and completion nearly doubled. The same paid traffic finally became active users, so effective CAC fell, and fraud held steady. The compliance wasn't watered down, just better designed.
Compliance and conversion aren't opposites. They're opposites only when nobody in the room understands both at the same time.
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