finance
Acquire finance customers who fund, transact, and stay
Reach high-intent consumers across millions of independent apps. Moloco Ads optimizes for the outcomes that matter to your business: from account funding to lifetime value.
Moloco’s customers include:
Consumers need your services. Unblock the path to reach them.
Acquiring finance customers is getting harder: costs are rising and the usual channels are saturated.
Tightening spend
There was a 22% drop in U.S. consumer banking digital ad spend from 2024 to 2025. {[data-attribute="init-tooltip"][tooltip-content="<p>Source:<br><br>Sensor Tower, Consumer Banking App Market and Advertising Trends 2025</p>"]}
Rising costs
CPIs rise every year with increasing advertiser competition. {[data-attribute="init-tooltip"][tooltip-content="<p>Source:<br><br><a href="https://www.businessofapps.com/ads/cpi/research/cost-per-install/" target="_blank">Business of Apps</a>, Cost per Install (CPI) Rates (2025), February 2025</p>"]}
Lack of channel diversification
58% of banking/fintech marketers are still relying on a narrow set of ad channels. {[data-attribute="init-tooltip"][tooltip-content="<p>Source:<br><br>Moloco/Marketing Dive Mobile App Marketing & Advertising Survey, fielded Dec 20, 2024 – Jan 13, 2025. N=200 US mobile app marketers (director+), n=50 Banking/Fintech subset. Not established DSP users are defined as respondents who reported using programmatic media/DSP/ad networks for less than a year, used in the past but not currently, considering but not using, or not planning to use</p>"]}
How you’ll grow with Moloco
Acquire customers who fund, transact, and become loyal
Tell Moloco what matters to your business (funded accounts, first deposits, or repeat transactions) and our compound AI system optimizes toward it from the start. You set the conversion event. We find the consumers who actually grow your business.
Grow beyond where you're already buying
Moloco Ads can reach over 2 billion daily active consumers across more than 2.9 million apps, providing new paths to customers and incremental reach beyond walled gardens. {[data-attribute="init-tooltip"][tooltip-content="<p>Source:<br><br>Daily active users (DAU), for the purposes of this claim, is defined as the average number of unique consumer devices observed across Moloco\'s integrated exchange partners and proprietary SDK on Android and iOS devices globally per business day. Based on a Moloco internal estimate of potential daily user reach across an average of five sample business days in March and April 2026. Each device is assigned to a single country to prevent double-counting; tablets are excluded through deterministic classification using exchange signals and device model matching; and country-specific device-to-user calibration factors are applied to translate device counts to estimated unique users.<br>More than 2.9 million apps: count of distinct app bundles (iOS and Android cumulative total) where Moloco received at least one RTB (real-time bid) request in the 90-day period ending April 3, 2026, worldwide.</p>"]}
Re-engage customers who drop off
Moloco identifies the people who installed but never funded, and those who transacted once but went quiet. You then can run re-engagement campaigns to bring them back.
What performance looks like for your business
Neobank apps
Drive funded accounts and active consumers at scale.
- Reach consumers whose in-app behavior signals they are already using budgeting apps and financial calculators
- Target customers demonstrating high-intent behaviors that predict account funding and long-term engagement
- Optimize for first deposits and account activation, not just app installs or registrations
Investment apps
Acquire customers who are ready to invest.
- Target consumers tracking portfolio performance, researching market trends, and consuming investment education content
- Reach people exploring stocks, ETFs, crypto, and digital assets across independent apps
- Find consumers whose behavior signals readiness to open brokerage accounts and start trading
Crypto apps
Bring in high-intent crypto customers at the moment they're ready to trade (where available).
- Target consumers actively researching digital assets, tracking prices, and consuming crypto content
- Reach people whose in-app behavior signals readiness to make their first purchase or fund a wallet
- Optimize for first crypto transaction and KYC completion, not just registrations
- Find the next wave of crypto customers among the audiences your current campaigns aren't reaching
Lending apps
Identify high-intent borrowers at the decision moment.
- Find consumers comparing mortgage rates in calculator apps and actively researching loan options
- Reach consumers actively managing their credit and who are currently evaluating financial products
- Target people whose in-app behavior signals readiness to apply for credit products
Payment apps
Connect with users ready to adopt new payment solutions.
- Reach consumers already comfortable with digital transactions and using expense tracking tools
- Find people managing money across multiple apps, signaling readiness for new payment solutions
- Optimize for first transactions and other deeper funnel goals, not vanity installs
Frequently Asked Questions
Where does Moloco show my ads?
Moloco runs your campaigns across a vetted ecosystem of mobile apps. This is designed to provide strong content standards and privacy protections across categories – such as mobile gaming, fintech, commerce, social, short-form video, food delivery, crypto, prediction markets, and generative AI – where people are actively using their phones, not just scrolling past. We buy this in-app inventory programmatically in real time, including high-engagement video, interstitial, and native formats, so you reach consumers while they’re checking balances, comparing products, or making purchases.
What are the advantages of in-app advertising?
In-app advertising lets you reach people when they’re leaned in and engaged: in full-screen, high-attention environments that are well suited to complex financial decisions. Most importantly for finance marketers, you can tie performance to real business outcomes: installs, KYC completion, funded accounts, card activations, first deposits, and repeat transactions, rather than just impressions or clicks.
What sort of campaign objectives does Moloco support?
Moloco can optimize to a wide range of app and business outcomes: new installs, sign-ups, and KYC completion; first deposits or funded accounts; card activations; specific in-app events; and revenue-based goals. Many finance customers also run re-engagement campaigns with Moloco to reactivate dormant users, encourage additional product usage, or drive repeat transactions using the same platform and data.
What does "optimize for funded accounts" actually mean?
Some UA platforms optimize for installs or registrations because those are quick events their algorithms can measure. We optimize for the milestones that matter to your business: first deposits, initial transactions, account funding, sustained activity. Moloco’s CARA (Compound Ad Recommendation Architecture) analyzes the full user journey to understand what predicts conversion for your specific product.
What are Moloco’s data and security policies?
We take data and security seriously. For full information, please see our Trust Center and Security & Compliance page for more details.
How do you handle data privacy and regulations like GDPR or CCPA?
Moloco’s platform is designed to support customers’ compliance efforts with applicable privacy laws, including GDPR and CCPA.
