Growth Bi-Weekly · Internal
Growth &
Savings Review
April 26, 2026
CONFIDENTIAL — FIDO INTERNAL USE ONLY
Agenda
April 26, 2026
Growth & Savings Bi-Weekly
01
Goals Snapshot
Target vs. actual — KYC, L0, Savings
02
Growth Metrics
UG & GH KYC · UG & GH L0 · Savings activations
03
Growth Execution
Product shipped/in progress · Marketing campaigns & channels
04
Discussion: Growth
Top funnel drops — what are we doing?
05
Savings — Ghana
Product · Campaigns, activation & engagement
06
Summary & Actions
Decisions · Owners · Deadlines
01 · Goals Snapshot
01
Goals Snapshot
Target vs. Actual — KYC · L0 · Savings
01 Goals Snapshot · 1 of 3
KYC Approval Rate — Target vs. Actual
April 2026 · Projected month-end (25 of 30 days) · Sign-up → KYC Verified
🇺🇬 Uganda — Apr Projected
51.2%
Target: 70% · Gap: −18.8pp
73% of target
🇬🇭 Ghana — Apr Projected
52.8%
Target: 70% · Gap: −17.2pp
75% of target
UG MoM Change
+2.0pp
vs. March 49.2%
↑ Improving
GH MoM Change
−2.7pp
vs. March 55.5%
↓ Slight dip
Metric: KYC_VERIFIED / SIGN_UPS. April = MTD × (30/25) projected. UG survey-start basis is unreliable (>100% monthly boundary artifact).
01 Goals Snapshot · 2 of 3
L0 Acquisition — Target vs. Actual
April 2026 · Projected month-end (25 of 30 days) · New first-loan customers
🇺🇬 Uganda — Apr Projected
5,132
Target: 7,079 · MTD: 4,277
72% of target
🇬🇭 Ghana — Apr Projected
21,092
Target: 26,214 · MTD: 17,577
80% of target
UG MoM Growth
+36%
vs. March 3,775
Target up ~80% MoM
GH MoM Growth
−2%
vs. March 21,610
Consistent ~80% pace
April = MTD × (30/25) projected. UG April budget is a near-2× step-up vs March (3,928 → 7,079).
01 Goals Snapshot · 3 of 3
Savings Activations — Target vs. Actual
April 2026 · Projected month-end (25 of 30 days) · Ghana · New savers
🇬🇭 Ghana — Apr Projected
6,616
Target: 11,736 · MTD: 5,513
56% of target ⚠️
vs. March
−35%
March actual: 10,129
↓ Sharp drop
Daily Run Rate
220/day
March avg: 327/day
−33% pace drop
Jan–Mar Avg Attainment
92%
Jan 89% · Feb 95% · Mar 92%
Sudden step-down in Apr
⚠️ April anomaly: Run rate collapsed from 327/day (Mar) to 220/day (Apr) — a 33% pace decline. Jan–Mar consistently hit 89–95% of target. Requires root-cause investigation.
02 · Growth Metrics
02
Growth Metrics
UG & GH KYC · UG & GH L0 · Savings Activations
02 Growth Metrics
🇺🇬 Uganda — KYC
April 2026 MTD (25 days) · Sign-up → KYC Verified approval rate
Approval Rate
51.2%
Target: 70%
73% of target
vs. March
+2.0pp
March: 49.2%
↑ Improving
Gap to Target
−18.8pp
Need 70% to hit goal
Jan→Apr trend ↑
3-Month Trend
↗
Steady improvement
+6.7pp since Jan
| Month | Approval Rate | vs. Target (70%) | MoM Change |
|---|
| January 2026 | 44.5% | −25.5pp | — |
| February 2026 | 46.1% | −23.9pp | +1.6pp |
| March 2026 | 49.2% | −20.8pp | +3.1pp |
| April 2026 (MTD) | 51.2% | −18.8pp | +2.0pp |
Metric: KYC_VERIFIED / SIGN_UPS. UG survey-start basis unreliable (>100% due to monthly boundary artifact).
02 Growth Metrics
🇬🇭 Ghana — KYC
April 2026 MTD (25 days) · Sign-up → KYC Verified approval rate
Approval Rate
52.8%
Target: 70%
75% of target
vs. March
−2.7pp
March: 55.5%
↓ Slight dip
Gap to Target
−17.2pp
Need 70% to hit goal
Broadly flat Jan→Apr
3-Month Trend
→
Flat / volatile
−1.1pp since Jan
| Month | Approval Rate | vs. Target (70%) | MoM Change |
|---|
| January 2026 | 53.9% | −16.1pp | — |
| February 2026 | 52.5% | −17.5pp | −1.4pp |
| March 2026 | 55.5% | −14.5pp | +3.0pp |
| April 2026 (MTD) | 52.8% | −17.2pp | −2.7pp |
Metric: KYC_VERIFIED / SIGN_UPS (sign-up → verified basis). GH survey-start basis = ~94% (not meaningful for gap analysis).
02 Growth Metrics
🇺🇬 Uganda — L0 Acquisition
April 2026 MTD (25 days) · Projected month-end = MTD × (30/25)
L0 MTD
4,277
April target: 7,079
60% of target (MTD)
Apr Projected
5,132
Target: 7,079
72% of target
vs. March
+36%
March actual: 3,775
↑ Strong MoM lift
Target Jump
+80%
Mar target: 3,928
Apr budget nearly 2×
| Month | Target | Actual | % of Target | MoM Growth |
|---|
| January 2026 | 3,237 | 2,751 | 85% | — |
| February 2026 | 3,928 | 2,705 | 69% | −2% |
| March 2026 | 3,928 | 3,775 | 96% | +40% |
| April 2026 (proj.) | 7,079 | 5,132 | 72% | +36% |
Note: April budget target is ~80% higher than March — near-2× step-up. Even at 72% of target, absolute L0s are growing strongly MoM.
02 Growth Metrics
🇬🇭 Ghana — L0 Acquisition
April 2026 MTD (25 days) · Projected month-end = MTD × (30/25)
L0 MTD
17,577
April target: 26,214
67% of target (MTD)
Apr Projected
21,092
Target: 26,214
80% of target
vs. March
−2%
March actual: 21,610
↓ Slight dip
YTD Pace
~80%
Consistent miss pattern
Jan–Apr avg
| Month | Target | Actual | % of Target | MoM Growth |
|---|
| January 2026 | 21,731 | 20,895 | 96% | — |
| February 2026 | 26,026 | 19,132 | 74% | −8% |
| March 2026 | 26,026 | 21,610 | 83% | +13% |
| April 2026 (proj.) | 26,214 | 21,092 | 80% | −2% |
02 Growth Metrics
Savings — New Activations
April 2026 MTD (25 days) · Ghana · Projected month-end = MTD × (30/25)
GH Activations MTD
5,513
April target: 11,736
47% of target (MTD)
Apr Projected
6,616
Target: 11,736
56% of target ⚠️
vs. March
−35%
March actual: 10,129
↓ Sharp drop
Daily Run Rate
220/day
March avg: 327/day
−33% pace drop
| Month | Target | Actual | % of Target | MoM Change |
|---|
| January 2026 | 10,558 | 9,395 | 89% | — |
| February 2026 | 10,742 | 10,203 | 95% | +9% |
| March 2026 | 10,974 | 10,129 | 92% | −1% |
| April 2026 (proj.) | 11,736 | 6,616 | 56% ⚠️ | −35% |
⚠️ April anomaly: Run rate dropped from 327/day (Mar) to 220/day (Apr) — a 33% pace decline with no obvious seasonal driver. Jan–Mar consistently hit 89–95% of target; April is tracking to 56%. Requires investigation before today's session.
03 · Growth Execution
03
Growth Execution
Ghana & Uganda · Product · Marketing
03 Growth Execution · Product
Product — Shipped / In Progress / Blocked
Growth-relevant items · Ghana & Uganda
🇬🇭 Ghana
- SHIPPED [Item TBD]
- SHIPPED [Item TBD]
- IN PROGRESS [Item TBD]
- IN PROGRESS [Item TBD]
- BLOCKED [Item TBD — blocker TBD]
🇺🇬 Uganda
- SHIPPED [Item TBD]
- SHIPPED [Item TBD]
- IN PROGRESS [Item TBD]
- IN PROGRESS [Item TBD]
- BLOCKED [Item TBD — blocker TBD]
03 Growth Execution · Marketing
Marketing — Campaigns & Channel Performance
[Period TBD] · Ghana & Uganda
Active campaigns table — Campaign · Market · Channel · Budget · Spend · Installs · L0s · CAC · Status
Channel Performance
Meta · Google · TikTok · Organic · Referral
CPI · CVR · CAC by channel
Highlights & Flags
- WIN [TBD]
- WATCH [TBD]
- FLAG [TBD]
04 · Discussion
04
Discussion: Growth
Top funnel drops — what are we doing about them?
04 Discussion · Growth
Top Drops of the Growth Funnel
What are we doing about them? · [Period TBD]
Install → Registration
—%
Δ —pp
[Action / owner TBD]
Registration → KYC Submitted
—%
Δ —pp
[Action / owner TBD]
KYC Submitted → KYC Approved
—%
Δ —pp
[Action / owner TBD]
KYC Approved → L0 Disbursed
—%
Δ —pp
[Action / owner TBD]
Open discussion — decisions & owners to be captured in action items
05 · Savings — Ghana
05
Savings — Ghana
Product · Marketing · Activation · Engagement
05 Savings · Product
Savings Product — Shipped / In Progress / Blocked
Ghana · [Sprint / period TBD]
🇬🇭 Ghana — Savings Features
- SHIPPED [Item TBD]
- SHIPPED [Item TBD]
- IN PROGRESS [Item TBD]
- IN PROGRESS [Item TBD]
- PLANNED [Item TBD]
- BLOCKED [Item TBD — blocker TBD]
05 Savings · Marketing
Savings Marketing — Campaigns, Activation & Engagement
Ghana · [Period TBD]
Campaigns
Active & recently ended campaigns
Name · Channel · Target segment · Status · Key metric
Activation & Engagement
Activation rate · D7 / D30 retention
Avg deposits per user · Deposit frequency
Churned savers · Re-engagement actions
06 · Discussion
06
Discussion: Savings
Ghana · Open questions & priorities
06 Discussion · Savings
Discussion: Savings — Ghana
Open questions to resolve
Questions on the table
- [Question / topic TBD]
- [Question / topic TBD]
- [Question / topic TBD]
Open discussion — decisions & owners to be captured in action items
Summary
Summary & Action Items
April 26, 2026 · Decisions & owners
| # | Action | Owner | Due | Topic |
|---|
| 1 | [Action TBD] | [Owner TBD] | [Date TBD] | Growth |
| 2 | [Action TBD] | [Owner TBD] | [Date TBD] | Growth |
| 3 | [Action TBD] | [Owner TBD] | [Date TBD] | Savings |
| 4 | [Action TBD] | [Owner TBD] | [Date TBD] | Savings |
| 5 | [Action TBD] | [Owner TBD] | [Date TBD] | Product |