Kredivo Case Study: Southeast Asia’s Fintech Leader Scales with Mobile OEM Advertising
Kredivo, Southeast Asia’s leading BNPL and loan app, has achieved a 46% install-to-loan application rate and 4.7x year-over-year growth in user spending, thanks to a strategic mobile OEM advertising partnership with AVOW. This Kredivo case study highlights how the brand unlocked exclusive placements on Xiaomi, OPPO, and vivo devices to reach high-intent users, drive measurable down-funnel results, and scale performance marketing efficiently across emerging markets.
📊 Kredivo Case Study: Performance Highlights
Our Kredivo case study demonstrates how a fintech app can move beyond installs and deliver real business outcomes with the right user acquisition strategy. By partnering with AVOW, Kredivo exceeded expectations across key markets:
- 46% install-to-loan application rate
- 2.2x YoY growth in user acquisition volume
- 24% share of new product exploration from Dynamic Preloads within 6 months
- #1 non-SRN partner
- 4.7x YoY growth in user spending
“AVOW leveraged its partnership with Xiaomi, OPPO, and vivo globally to find untapped audiences for Kredivo while playing as the one-stop solution to manage all inventory from OEMs.”
— Kelvin Saputra, Head of Performance Marketing, Kredivo
💡 Tackling Complex Fintech Challenges
As this Kredivo case study shows, scaling a fintech app in emerging markets comes with a unique set of challenges:
- Navigating complex regulations and verification processes
- Reaching younger users in regions with low credit card penetration
- Acquiring high-quality users without increasing fraud or cost
Kredivo needed a growth partner that could go beyond surface-level engagement – and AVOW delivered.
🔧 A Centralized, Transparent OEM Strategy
With AVOW as its one-stop partner, Kredivo launched campaigns across Xiaomi, OPPO, and Vivo – all from a single access point. AVOW provided:
- ✅ Transparent, fraud-free inventory across OEMs
- ✅ Centralized media buying and optimization
- ✅ Custom business models tailored to each OEM
- ✅ Access to unique placements like Dynamic Preloads
- ✅ Expert consultation on device-specific targeting
This approach gave Kredivo full control, full visibility, and full alignment with performance KPIs
🔁 Sustainable Scale, Exceptional Quality
What sets this Kredivo case study apart is the depth of the engagement. The goal wasn’t just to scale installs – but to acquire users who take action.
- Nearly 1 in 2 new users applied for a loan
- Spending among users grew 4.7x YoY
- Dynamic Preloads captured 24% of new feature discovery within 6 months
Kredivo scaled fast while maintaining quality, thanks to AVOW’s mobile OEM expertise.
✅ Ready to Scale Like Kredivo?
The Kredivo Case Study is a clear example of what’s possible when fintech apps move beyond conventional ad channels and embrace the power of mobile OEMs. Whether you’re focused on quality installs, real down-funnel outcomes, or sustainable growth in competitive markets—AVOW has the expertise, reach, and technology to make it happen.
📈 From 46% install-to-loan conversion to 4.7x growth in spend, Kredivo’s results speak for themselves.
👉 Want to unlock similar results for your app?
Talk to our team and discover what AVOW’s mobile OEM solutions can do for you.
🎧 Bonus: Behind the Apps – Podcast Interview
Want to hear it straight from the source?
🎙️ Listen to Kelvin Saputra, Co-Head of Performance Marketing at Kredivo, share how AVOW helped reduce fraud, improve efficiency, and reach high-intent users through mobile OEMs on our Behind the Apps podcast.
🎥 Webinar Spotlight: Fintech Unlocked
Kredivo also joined AVOW, AppsFlyer, and Xiaomi for this fantastic fintech-focused webinar, “Fintech Unlocked: Growth, Trust & the Mobile OEM Advantage.”
📺 Hear insights on growth strategies, trust signals, and how mobile OEM advertising is transforming fintech UA.
👉 Watch webinar on demand here
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