Mobile for Financial Brands

Your customers trust you with their money. Earn their plan too.

Fintech apps open for a task. Mobile runs all day - your name on a bill paid monthly, your app on the screen they live in. Reach handles the infrastructure; you bring the brand.

Talk to Us → Launch for $0
Northstar Mobile app showing checking balance, mobile bill payment, cash back, and bundled savings for credit union members
What’s included

Everything you need — included at $0

Branded storefront White-labeled mobile app Customer self-service portal Reach Central back-office SIM + eSIM activation Billing engine Payment processing L2/L3 support from Reach Lifecycle comms (onboarding, billing, alerts) Reporting & dashboards Standard APIs (API/SDK integration)
Add-ons available
SSO for agents & customers Reach Inline Product bundle integration Custom app hosting Custom homepage
The engagement problem

Fintech apps get downloaded. They don't get lived in.

Customers open your app for a task, then close it. Mobile is chosen, paid monthly, used daily.

The reality
3–4×
Average monthly opens for a banking app. Customers engage only for a task. Mobile is a standing subscription - a different relationship.
The cost
$200–$400
Customer acquisition cost for a digital banking account, per McKinsey. When that customer churns, every dollar spent acquiring them disappears.
The opportunity

A financial account is a starting point. A membership is a relationship.

Mobile doesn't replace your financial product - it makes it stickier. Every bill paid through you is a month they're not leaving.

Daily engagement, not episodic check-ins

A phone plan is used constantly, not just for a task. Your brand joins their daily rhythm.

→ Monthly bill vs. occasional app open

Predictable recurring revenue, independent of transactions

Mobile subscription revenue is monthly and steady, independent of spend or market conditions - a revenue floor that improves LTV:CAC.

→ Revenue independent of transaction volume

Loyalty that's built in, not bolted on

Two reasons to stay: an account and a mobile line. Tie perks to spend or savings and loyalty compounds.

→ Multi-product customers churn far less than single-product ones
Who it's built for

If your customers already trust you, the plan practically sells itself.

You don't need to be a telecom - just a brand your customers already love.

Where this fits best Credit Unions
Credit unions already have what neobanks spend millions trying to fake: real community presence, local branches, and member relationships built over years - sometimes generations. A co-branded, members-only mobile plan doesn't ask you to manufacture trust. It extends trust you've already earned onto the device members carry everywhere. "We take care of our members" stops being a slogan on a branch wall and becomes something felt every month, on their phone bill.
Neobanks & Challenger Banks
Bundle mobile with account tiers - premium holders get a subsidized plan, basic users pay full price. A daily benefit beyond APY.
Payment & Card Companies
Earn data credits for card spend or transaction thresholds - the reason they don't close the account when the promo APR expires.
Embedded Finance Platforms
Already offering banking or lending inside another brand's product? Mobile is the next layer - new engagement and revenue, no infrastructure to build.
What you own

Your brand. Your plans. Your relationship.

Reach provides the infrastructure. You bring the brand, pricing, and customer relationship.

🏷️
Your brand on every screen
App name, logo, colors - fully white-labeled. Reach is never visible.
📋
Custom plan names and pricing
Set your own tiers and member-exclusive offers
🎁
Perks tied to financial behavior
Reward card spend, direct deposit, or savings goals
🧾
A monthly bill in your name
A new monthly touchpoint that reinforces the relationship
✅
Compliance and regulatory handled
Reach manages compliance and identity verification - your team stays focused
The math: A fintech brand with 50k customers converts 5% to a $35/mo plan = $1.05M in new ARR - before any churn benefit. Multi-product customers also churn 2–3× less than single-product ones.
Powered by ECHO

This is ECHO - the platform powering your branded mobile product.

Storefront, billing, app, SIM activation, back-office, and compliance - deployed under your brand. You see the revenue.

Explore ECHO →
$0to launch
30+MVNOs live
100k+subscribers
Getting started

You don't need a telecom team, just a conversation.

Reach handles carrier agreements, provisioning, and compliance. You focus on your brand.

1

One conversation to scope it

Tell us about your customer base - we'll show you what branded mobile looks like.

2

Design your plan and perk structure

We handle carrier negotiations and compliance. You approve the customer experience.

3

Build your branded experience

Your app, plan names, and support number - Reach Central handles the rest.

4

Launch to members. Watch the relationship deepen.

Track line growth, ARPU lift, and churn reduction. Customers with mobile stay longer and spend more.

$0 to launch. No spectrum, towers, or carrier negotiations - nationwide coverage from day one.
Ready to add mobile?

See what branded mobile looks like for your customers.

Tell us about your product and customers - we'll show you what's possible.

Talk to Us → Launch for $0