This white paper explains why fintechs are expanding into mobile services via MVNO models to strengthen retention, add recurring revenue, support “super-app” strategies, and accelerate cross-border growth where mobile licensing can be simpler than financial licensing (page 2). It frames mobile as a platform move that increases daily engagement and helps fintechs move up the value chain, and cites examples like Revolut (active reseller model in the UK), N26, Bunq, Curve, and adjacent moves by SoFi and Chime (page 3). It notes a 2024 Finextra study where 45% of fintechs said they are evaluating mobile bundling as a retention strategy (page 3). A case study reports that a European neobank’s co-branded plan reduced churn by 23%, lifted ARPU by €2.85/month, and increased NPS by 18% in six month

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