Case Study: JULO achieves 2-day Time-to-Value and 3x transaction growth with MoEngage

JULO Speeds Up Strategy: Improves Time to Value (TTV) from Weeks to JUST 2 Days

JULO, an Indonesian fintech focused on expanding digital credit access and financial literacy, faced low credit-product penetration and friction in onboarding-to-retention journeys. To accelerate growth and better identify customer pain points, JULO selected MoEngage—using MoEngage Flows along with Customer Journey Orchestration and Customer Insights & Analytics—to replace building an in-house engagement platform and tighten onboarding efficiency.

MoEngage implemented automated, segmented journeys and real-time analytics to optimize onboarding and re-engagement, cutting Time to Value from weeks to just 2 days. The partnership delivered measurable gains: a 5–10% lift in daily active users, 13% conversion on retention campaigns, 3x more transactions, 2x growth in registrations versus fintech benchmarks, and 3x better onboarding communications effectiveness.

JULO Finance

Mikhal A.

Head of Marketing