Aligned with Presentation: This calculator uses the exact assumptions from our deck - 10% base adoption, €25 monthly fee, 1% cashback, and 12-month payback period.
📊 Market & Adoption
🎯 Current Finom base
📈 50-50 split per case data
✅ Break-even at 3%, base case 10%
🏢 SMEs more likely to adopt
💰 Pricing & Fees
💳 Aligned with presentation base case
📅 Gradual rollout timeline
🎁 Launch promotion period
💸 Revenue Drivers
🏦 Standard: 1.6%, EU cap exempt for commercial
📊 Current average across all users
💸 Premium users typically spend more
💸 Cost Parameters
🎨 10x standard card cost
💰 Aligned with presentation
🛡️ Travel, purchase protection bundle
👥 Dedicated premium team
🎁 Marketplace discounts, lounge access
🚀 Platform & Growth
💻 Total investment including validation
📉 Current baseline retention
📈 Premium → 85% retention
💵 Current average revenue per user
🚀 Current YoY growth rate
🎯 Quick Scenarios
🛡️ Conservative
5% adoption, 0.8% cashback
🎯 Base Case
10% adoption, 1% cashback
🚀 Aggressive
20% adoption, 1.5% cashback