In India's rapidly expanding digital lending ecosystem, acquiring creditworthy borrowers requires reaching users at the precise moment financial needs arise. To capture market share efficiently Kissht joined forces with Appnext.
Transitioning away from standard techniques, this partnership focused on precision targeting across premium in-app environments and on-device touchpoints. By aligning predictive technology with consumer intent, the campaign successfully accelerated user progression through the lending funnel, resulting in unprecedented conversion growth and optimized costs.
About the advertiser
Kissht stands as one of India’s premier digital lending platforms, dedicated to offering accessible instant credit solutions across personal loans, consumer finance. The platform effectively bridges the traditional credit gap for under-served consumers and young professionals by utilizing proprietary risk models and fully digital, paperless workflows to deliver financial access.
Objective
The primary campaign goal was to scale high-intent borrowers across competitive channels while drastically shortening the time between application and initial credit action. Additionally, Kissht sought to maximize overall campaign return on investment by optimizing touchpoints across premium in-app and native on-device placements, ensuring that spend was directed toward users with the highest likelihood of completing high-value loan journeys.
Challenges & Solution
Standing out in an increasingly crowded fintech market presents significant hurdles, particularly as traditional digital channels suffer from ad fatigue and high user drop-off before loan completion.
To overcome low-intent traffic, Kissht adopted Appnext’s AI-led approach. By combining machine learning insights with targeted touchpoints, the platform helped Kissht intercept motivated borrowers during active decision-making moments, replacing generic reach with contextual, high-converting engagements.
Solution
Appnext executed a multifaceted strategy built around advanced targeting and dynamic ad serving. By tapping into native OEM on-device environments and premium in-app placements, Kissht secured direct, uninterrupted access to high-intent users during peak usage moments. Underlying this reach was an AI-powered intent and recommendation engine, Appnext ‘Timeline’ that continuously analyzed user contextual signals to deliver hyper-personalized credit offers. To ensure maximum responsiveness, dynamic creative formats were deployed in real time at critical drop-off points, providing customized messaging that guided prospective borrowers directly toward completing their first loan application.
Results
The strategic implementation delivered extraordinary performance gains across Kissht’s primary growth metrics in Q4 FY26 compared to Q4 FY25. New borrower conversions surged by over 200%, while first-action completions grew by more than 250%. Furthermore, the campaign successfully nurtured deeper platform engagement, driving a 14% increase in users completing high-value loan journeys.
