Telegram Mini Apps
Global fintech revenues in 2024 rose 21% year over year, while traditional finance only saw a modest 6% increase. These numbers show that people are rethinking how they bank, invest, and pay, choosing mobile-first, flexible options over old systems. In this article, we’ll dive into the biggest trends shaping fintech marketing today and how leading brands are turning innovation into growth.
- Data-Driven Personalization and AI Integration
- Humanizing Finance Through Educational Content
- Mobile-First Strategies and App Ecosystem Dominance
- Community-Driven Growth on Telegram
- Privacy, Trust, and Ethical Data Use in Marketing
- Gamification as a Tool for Financial Engagement
- Collaborating With Influencers
- Performance Marketing and ROI Optimization
1. Data-Driven Personalization and AI Integration
Over half of U.S. consumers want their financial providers to use their data to deliver experiences that feel personal, and 48% would share even more if it improved the service. For most consumers, personalization means customizing their app experiences based on their unique preferences:
Consumers’ perspective on personalized finance
Let’s have a look at the UK-based fintech Cleo. It uses open banking data and advanced AI technology to make personal finance feel simple and human. Powered by NVIDIA and AWS, Cleo’s chatbot analyzes how people spend and save, then offers practical tips that fit their real lives — like suggesting ways to set aside money for an upcoming trip or helping them build better saving habits over time.
Cleo
In short, personalization has become one of the strongest levers for global fintech growth. When financial services feel relevant, supportive, and intuitive, customers stay longer, spend more, and become genuine advocates for the brand.
2. Humanizing Finance Through Educational Content
Fintech can feel complex: terms like digital banks, crypto wallets, and peer-to-peer lending require explanation. On top of that, financial technology topics directly affect people’s money and security. That's why Google puts them in the “Your Money or Your Life” category, where credibility, transparency, and expertise are essential.
Fintech brands can make things a lot clearer for users by focusing on educational content. It not only builds trust but also drives organic growth. In fact, content marketing costs about 62% less than traditional campaigns.
A great example is Chime, a U.S.-based neobank on a mission to make managing money simple, accessible, and free for everyone. On its blog, Chime breaks down tricky financial topics into friendly, easy-to-read guides and infographics.
Chime’s blog
Here are some ideas you can use to educate and engage your audience:
- “Money Made Simple” series. Short, plain-language articles or videos that explain everyday finance topics like credit scores, budgeting, or debt management. Each piece should answer one common question clearly — for example, “How does a neobank keep your money safe without physical branches?”
- Real-life financial stories. Publish customer stories showing how people achieved goals using your app or product.
- Interactive tools. Include a savings challenge or budget planner right inside your app to encourage ongoing engagement.
- Weekly “Smart Money Tips” newsletter. A short email that offers one practical insight per week, like “How can I invest small amounts through an app and still see results?” or “How can I grow my savings automatically without thinking about it?” Consistency keeps your brand top-of-mind and builds loyalty over time.
Track what resonates most with your audience — which topics get the most clicks, shares, or replies — and use those insights to shape future content.
3. Mobile-First Strategies and App Ecosystem Dominance
About 55% of U.S. banking customers manage their accounts primarily through mobile apps, and only 22% still prefer online banking on a laptop or desktop computer. For a fintech brand, that means creating smooth, intuitive mobile experiences is the core of customer engagement.
To stand out, your app should feel effortless. Start with a quick, frustration-free sign-up process using biometric technology like fingerprint or face ID login. Keep your design simple and fast, as even a one-second delay can make participants lose interest. Use notifications wisely: send alerts that help, not annoy, like spending insights or reminders to save. It’s also important to make sure that your app is accessible to everyone, with clear text, high contrast, and an easy layout.
But there’s a new trend emerging. People spend more time inside Telegram, which has over 1 billion monthly users and hosts thousands of mini apps that function just like native ones. What makes this especially valuable for financial technology brands is that crypto apps are among the most widely used today. They attract highly engaged, tech-savvy audiences who are already comfortable managing money in digital environments.
TMAs: top-performing categories. Source: Telegram Marketing Statistics and Trends: The 2025 Report
Another advantage of Telegram mini apps? They’re way easier to get in front of users than regular apps. With Telegram’s built-in advertising tools, fintech brands can reach prospects right where they’re already active — browsing channels, chatting with bots, or using other mini apps. Instead of pushing people to leave the platform and download something new, you can drive them directly into your mini app with just one tap. And it proves effective: look at how we helped Altery drive KYC-verified via Telegram.
4. Community-Driven Growth on Telegram
Telegram has become one of the most active global spaces for fintech and crypto communities. It hosts numerous crypto-related channels with millions of followers and high engagement rates:
Rating of Telegram channels. Source: Telegram Marketing Statistics and Trends: The 2025 Report
Unlike traditional social platforms, Telegram communities tend to be more niche, interactive, and loyal. You can share updates, offer early access to new features, host AMAs, or gather instant feedback from your audience. For example, take Tonhub — a secure crypto wallet paired with a Visa card. With guidance from Magnetto agency, it has built an active community on Telegram that drives consistent user conversions.
Tonhub’s Telegram channel
5. Privacy, Trust, and Ethical Data Use in Marketing
Trust is a major issue for global fintech companies. The 2025 Edelman Trust Barometer reports that financial technology is among the least trusted industries worldwide. Since these firms work with highly sensitive data such as banking details, identities, and behavior, their marketing must prioritize transparency, ethical practices, and genuine respect for customers.
How to build trust in your product:
- Use trust signals. Highlight your data protection practices, display security certifications or compliance badges, and feature real customer testimonials.
- Make your service transparent. Explain how you handle user data, clearly outline your pricing and fees, and make your terms and conditions easy to understand.
- Give customers control. Allow them to choose what data to share and make it easy to adjust permissions or opt out anytime.
- Lead with value, not sales. Build your marketing around helping customers — through education and honest communication. When people feel informed and safe, they stay loyal.
Consistency, honesty, and care go a long way. Focus on helping and protecting your customers, and they’ll return the trust with loyalty and advocacy.
6. Gamification as a Tool for Financial Engagement
Gamification is on the rise: the global market is set to jump from $29 billion in 2025 to almost $93 billion by 2030. The psychology behind gamification is what makes it so effective. Completing a task or hitting a milestone gives a little dopamine boost, which creates a sense of satisfaction and encourages people to keep going.
Many fintech brands are already leveraging this technology, and MoneyLion is a great example. The platform partnered with MrBeast’s Beast Games for a $4 million giveaway. Anyone can take part for free, and app users can earn extra entries through daily logins.
MoneyLion
The campaign gives MoneyLion a fun, fresh way to reach new customers, especially younger generations who respond to interactive, reward-based experiences. It shows that fintech marketing doesn’t have to be dry or complicated to grab attention.
7. Collaborating With Influencers
Klarna, the Swedish fintech giant, shows how teaming up with influencers can make finance feel fresh and relevant. Collaborations with Snoop Dogg — who appeared as his alter ego “Smoooth Dogg” — and comedian Celeste Barber helped the brand move beyond traditional finance marketing. These campaigns played a key role in reaching over 1 billion global impressions.
However, mainstream platforms for influencer marketing aren’t delivering the results they used to. Take Instagram, for instance: in 2025, its average engagement rate has fallen by 28% from last year. Telegram, on the other hand, is seeing the opposite. In fact, almost half of all Telegram users follow six to fifteen active communities regularly, and most keep their notifications on. That means when a trusted voice posts something, their audience actually sees it and is ready to act on their recommendations.
User engagement on Telegram channels. Source: Telegram Marketing Statistics and Trends: The 2025 Report
8. Performance Marketing and ROI Optimization
The main performance marketing channels for global financial technology brands include:
- Search advertising (Google Ads, Bing Ads). Search ads remain one of the most powerful performance marketing channels for fintech companies because they target prospects with clear intent — people already searching for solutions like “best savings app”, “low-interest loans”, or “secure investment platforms”.
- Social media ads (Meta, TikTok, X, LinkedIn). Fintech brands use paid social media to raise awareness and retarget engaged audiences. TikTok and Instagram work especially well for storytelling and quick educational content, while LinkedIn is effective for B2B fintech solutions.
- Telegram Ads and mini app promotions. With Telegram’s native ad technology, it is possible to target engaged, niche audiences who are already active in finance-related communities, bots, and mini apps. It’s also a very cost-effective channel: Telegram Ads start at just 0.1 TON per 1,000 views, which comes to less than 30 cents. By comparison, the same reach on platforms like Facebook or Instagram can easily cost $10 or more.
Paid advertising remains one of the most effective strategies: PPC can double the website traffic you would get from SEO. Continue to test new audiences, refresh your creatives, and adjust placements to optimize your budget and achieve stronger results over time.
Wrapping Up
The global fintech adoption is rising, and companies that make finance simple, personal, and reliable stand to gain the most. Telegram is the perfect platform for that, thanks to direct access to engaged, tech-savvy audiences, lower competition than traditional channels, and the tools to build meaningful connections.
