Case Study: CaixaBank achieves higher profits and maximized LTV with TurnKey Lender

How Caixabank Improved Profits by Maximizing LTV

CaixaBank, Spain’s largest retail bank, faced the challenge of sustaining long‑term growth despite deep market penetration. TurnKey Lender presents this case: CaixaBank developed Click & Go, a 100% online, pre‑approved instant loan product to mine its customer base and boost lifetime value.

Click & Go—highlighted by TurnKey Lender—automates omni‑channel pre‑approved offers with 30‑second credit decisions and instant funds for €300–€15,000 loans; it now represents 30% of CaixaBank’s personal loan portfolio and delivered measurable gains: increased profitability and LTV, lower acquisition and operational costs, reduced charge‑offs via behavioral scoring, 34.5% penetration among young high‑value clients (vs. 14.2% for the next peer), and an overall market share lift of 7.1% (24.0% to 25.7%).

CaixaBank