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This glossary defines the key operational, financial, and performance metrics used throughout the investment materials.
Key metrics highlight the scalability, capital efficiency, and defensibility of the Bankeaz model.
Glossary
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Growth Metrics
Customers
Total number of active accounts on the platform (individuals and SMEs), excluding closed or blocked accounts.
Monthly Active Customers (MAC)
Customers generating revenue within the last 30 days.
Core engagement metric.
Activity Rate
Percentage of active customers over total customers.
Indicates platform usage and stickiness.
Organic Customer Growth
Customers acquired without paid marketing (direct, referrals, diaspora networks).
Key driver of scalable and capital-efficient growth.
Paid Customer Acquisition
Customers acquired through paid channels (ads, campaigns, distribution partnerships).
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Unit Economics
CAC (Customer Acquisition Cost)
Total cost to acquire a customer, including marketing, onboarding, and operational costs.
LTV (Lifetime Value)
Total expected contribution margin generated per customer over their lifecycle.
Key assumptions:
Discount rate: 12%
Lifetime: capped at 10 years
Based on cohort performance and churn
LTV/CAC Ratio
Measures return on customer acquisition.
Primary efficiency metric for scaling.
ARPAC (Average Revenue Per Active Customer)
Average monthly revenue generated per active customer.
Cost to Serve per Active Customer
Average monthly cost required to operate and support an active customer.
Includes infrastructure, transactions, and support.
Contribution Margin
Revenue per customer minus variable costs (BaaS, FX, cards, operations).
Core profitability indicator.
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Platform & Product
BzAccount
Core account infrastructure powering the platform.
Personal BzAccount: individual users
SME BzAccount: business users
Primary Banking Relationship
Customers using Bankeaz as their main account.
Defined as ≥50% of income flows processed through the platform.
Interest-Earning Portfolio
Financial assets generating interest (loans, credit products), gross of provisions.
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Risk & Compliance
ECL (Expected Credit Loss)
Projected credit losses calculated under IFRS standards.
First Payment Default (FPD)
Failure to repay the first scheduled payment within 10 days.
Early signal of credit deterioration.
IFRS (International Financial Reporting Standards)
Global accounting framework governing financial reporting.
IASB (International Accounting Standards Board)
The body responsible for IFRS standard setting.
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Structural & Strategic Metrics
Primary Banking Penetration
Share of customers using Bankeaz as their main account.
Critical for monetization depth.
Corridor
A defined cross-border financial flow between two geographies (e.g., EU → West Africa).
Core unit of expansion strategy.
Diaspora Acquisition Channel
Customer acquisition via diaspora networks and partnerships.
High-trust, low-CAC, high-conversion distribution model.
Infrastructure Layer
Bankeaz positioning as a financial infrastructure rather than a traditional neobank.
Enables multi-country scalability and reduced dependency on third-party banking layers.
This website is provided for informational purposes only and does not constitute an offer or solicitation to invest.
Access to the dataroom is subject to approval and may require execution of confidentiality agreements.
Arcadia Holding AG (Zurich) — to be incorporated upon closing
Bankeaz is a product layer developed by Arcadia and operates through regulated financial partners.
Bankeaz does not provide banking services in its own name. Financial services are provided by licensed and regulated partner institutions, in accordance with applicable laws and regulations.
Copyright © 2026 - Arcadia | Bankeaz - All rights reserved
Address
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Zurich - CH
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Full system. Full model. Full regulatory architecture.
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