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Benchmarking

Fintech Mystery Shopping & Competitive Intelligence

Understand exactly how your competitors lend, convert, and retain customers

Deep Research

What We Analyze

01

Loan approval processes

We analyze the full loan application journey to understand approval requirements, scoring signals, and decision timelines used by competitors.

02

Real APR and fee structures

We uncover the true cost of loans by analyzing APR, hidden fees, extensions, and repayment conditions across competing fintech platforms.

03

Customer onboarding experience

We evaluate how lenders guide users through the application flow, from account creation to loan disbursement, identifying friction points and UX strategies.

04

Customer Communication & Retention

We analyze how fintech companies communicate with borrowers through SMS, email, and app notifications to drive engagement and repeat loans.

05

Competitive Product Strategy

We identify patterns in loan limits, approval speeds, renewal strategies, and promotional tactics used to acquire and retain borrowers.

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Fintech Intelligence

mystery shopping alied fintech
Mystery Shopping

Why Fintech Teams Use Our Research

  • Benchmark loan products

  • Understand competitor approval models

  • Identify UX friction in competitor flows

  • Optimize pricing and conversion strategies

  • Discover hidden competitive advantages

Instead of guessing how competitors operate, teams use our research to see real approval flows, pricing structures, and customer journeys in action.

Through mystery shopping and competitive research, we reveal how digital lending platforms truly operate

Research Backed by Real Market Work

Proven Experience Across LATAM Fintech Lending

Over the past 3 years, we have conducted 100+ mystery shopping and competitive analysis projects across digital lending platforms in Latin America.

Our work has covered key markets such as Mexico, Colombia, Peru, and Brazil, helping teams understand competitor products, approval flows, pricing structures, and borrower journeys.

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Years of research experience
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Research projects completed
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LATAM markets covered
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Fintech lenders analyzed

Fintech Companies We Have Worked With

What they say

Stories told by those we’ve advised

The research helped us understand what borrowers actually experience between the first and second loan, including communication pressure, pricing differences, and changes in conditions. This gave our team a much clearer basis for strategic discussions

The value of the work was not just in the data itself, but in how clearly it translated into business implications. It helped leadership better understand where competitors were more aggressive, more transparent, or more sophisticated in their borrower journey design

VladimirVladimirCEODanielDanielCEO
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