LIFT IS NOW A PART OF MILE MARKER
Brio faces an environment where competitor actions, specifically Annual Percentage Yield (APY) offers.
Macro-Economic Headwinds: In 2025, the market saw five consecutive interest rate decreases, dropping Brio’s rate from 4.45% in May to 3.75% in December.
Approval Decay: As rates softened, the pool of high-intent “rate-seekers” shrank, causing a 55.1% year-over-year drop in total market approvals and driving a 62.9% increase in the overall Cost Per Approval (CPA)
Budget Constraints: With a tighter budget than industry leaders, Brio could not afford to chase low-quality traffic. The challenge was to maintain deposit volume and lower acquisition costs while competitors aggressively adjusted rates.
Precision Over Broad Match:
Given the budget constraints, we prioritized exact and phrase match strategies over broad match to ensure spend was directed only toward high-intent users.
CPK Modeling:
We optimized media based on “Cost Per $1,000 Deposited” (CPK) rather than just clicks, ensuring we attracted customers with high funding potential.
Agile Rate Response:
We monitored competitor rate changes (e.g., Everbank, LendingClub) weekly, allowing us to pivot media spend instantly as our APY competitiveness fluctuated