This 55-person open banking company builds data aggregation APIs that neobanks embed in their consumer apps. Their business model is partnership-driven: the product gets integrated into the neobank’s core experience. Heads of Product at neobanks receive hundreds of integration proposals per quarter. Most get routed to a shared partnerships inbox and die there. The company needed to reach the Head of Product directly, bypassing the partnerships gatekeeper.
MEETINGS BOOKED
12
With Heads of Product and Heads of Partnerships at neobanks across UK and EU
PARTNERSHIPS SIGNED
4
Integration partnerships signed within 90 days of first meeting
SHOW RATE
86%
Prospects opted in before the conversation, reducing no-show rate
What this company was facing
Neobank partnership teams receive hundreds of integration proposals per quarter. Cold outreach lands in a shared partnerships inbox and never reaches the decision maker. The Head of Product is the real buyer, but they are shielded from vendor contact by the partnerships team. The company’s only pipeline came from mutual investor introductions (2-3 per quarter) and industry events.
Integration proposals sent to generic partnerships inbox
Zero responses from cold outreach to product teams
Relied on investor intros (2-3 per quarter)
No systematic partnership pipeline
12 product leader meetings in 10 weeks
4 partnerships signed within 90 days
86% show rate on booked meetings
Repeatable BD pipeline established
WEEKS 1-3
Identified digital banks at the right stage for open banking integration: user base thresholds indicating readiness for data aggregation features, product roadmap signals from job postings for open banking engineers, and public announcements about account aggregation or PFM feature launches. Cross-referenced with Fluum’s opted-in network for warm paths to neobank product leadership.
WEEKS 4-7
Messages framed around the neobank’s specific product gaps and user experience opportunities, not partnership terms or commercial structures. Each outreach referenced the prospect’s recent product launches, user experience challenges, and competitor features. Positioned as a product conversation, not a vendor pitch. Strategist-reviewed for product terminology accuracy.
WEEKS 8-10
4 Heads of Product moved directly from first meeting to integration scoping with engineering teams. Fluum facilitated technical follow-up meetings after product leader greenlight. Signal agents identified a second wave of neobanks entering open banking feature evaluation triggered by PSD2 reporting updates. 86% show rate confirmed that the opt-in model eliminated the no-show problem from cold BD outreach.
“We get 200+ integration proposals per quarter. I read zero of them. This introduction reached me directly and referenced a specific product gap we were actively trying to fill. We signed the partnership within 90 days.”
Head of Product, UK neobank
Partnership pipeline at neobanks requires reaching the Head of Product, not the partnerships inbox. Cold BD outreach gets filtered. Fluum’s approach identified neobanks with active product roadmap signals for open banking features and facilitated introductions framed around product gaps, not commercial terms. The result was 12 meetings, 4 signed partnerships in 90 days, and a repeatable BD pipeline.
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