The leading European fintech turned its user base into a growth engine — driving engagement, session frequency, and retention through an integrated social experience.
47% of Bankin’ users have visited the community
+34,5% retention uplift for community users after 1 month
2× more app sessions from community users
Custom moderation for compliance with finance product regulation
Crisis management and reduced ticket volume thanks to a proactive pinned post
Trigger notifications to drive +122% traffic and 3x engagement on featured posts
Bankin’ is a top European fintech app helping millions of users manage their finances with clarity and control. In a competitive landscape where financial apps often struggle to retain users after the first weeks, Bankin’ wanted to reinforce daily engagement and long-term retention.
Despite strong acquisition, engagement was plateauing. The product team identified a powerful untapped lever: enabling users to connect, share experiences, and learn from each other inside the app. The goal? Make money management more human, social, and motivating.
Bankin’s North Star KPI is user retention.
The key question: could a built-in community drive enough of a retention boost to be ROI-positive — without triggering a spike in support tickets or moderation overhead?
Bankin’ integrated Octopus Community SDK into its mobile app, creating a dynamic social hub, accessible directly from the homepage. Users could scroll, post, comment, and engage — all natively.
Octopus handles everything from community frontend & backend to content moderation, community animation, and data insights.
To measure the precise impact of community on key app metrics, Bankin’ ran a live A/B test: 70% of users had access to the community, while 30% formed the control group.
The iOS rollout came first — followed by Android a few weeks after, once early results proved promising.
Integrated features:
Bankin’ needed to filter out referral codes, loan promotions, and other sensitive content to stay compliant with financial regulations. Octopus’s flexible moderation rules allowed Bankin’ to keep the feed clean and trustworthy, without manual overhead.
When a partner issue triggered a spike in support requests, the team used the community strategically: pinning a clear, informative post at the top of the feed for one month. This simple move drastically reduced related posts and deflected hundreds of support tickets.
Bankin’ sends weekly notifications to spotlight trending discussions or featured posts. The impact is immediate: +122% in community views, a 3× increase in comments on highlighted content, and a powerful way to re-engage dormant users
The community gave users a public channel to surface pain points, ideas, and frustrations. Some issues that previously went unprioritized internally gained momentum thanks to community visibility. When dozens of users shared the same frustration, it created alignment across product, marketing, and leadership. Without knowing it, users became internal influencers.
Beyond deflecting tickets, the community became a place where users could help each other, share advice, and support newcomers — reducing pressure on the support team and creating a more resilient ecosystem.
To drive adoption, Bankin’ promoted the community via in-app banners and Instagram. These campaigns created a strong boost in visits and helped build early network effects.
Bankin’ set out to answer a clear question: can community drive measurable business impact?
The answer is yes: with +34% retention, doubled session frequency, and thousands of users actively engaging every week, community has become a strategic asset, not just a feature.
With Octopus, Bankin’ proved that integrating social into product can deliver real ROI — without adding tech debt or operational complexity.
How Bankin', Europe's leading fintech app, boosted user retention by +34.5% by embedding an in-app community with Octopus — live in one day.
After one month, community users showed a +34.5% retention uplift and opened the app 2× more often. 47% of Bankin' users have visited the community, and weekly community notifications drive +122% traffic and 3× more comments on featured posts.
Run an A/B test. Bankin' gave 70% of users access and kept 30% as a control group for 6 months. The community had to prove a retention uplift large enough to be ROI-positive — it delivered +34.5% at one month, turning an internal debate into a data-backed decision.
Moderation rules filter regulated content (referral codes, loan promotions) automatically, and frustrated posts become signals: when dozens of users share the same pain point, it creates alignment across product and leadership. Users became internal influencers without knowing it.
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