Recover unfinished applications
Start a journey when an applicant stops progressing, then exit automatically when they return or the backend reports a new outcome.
Applicant→KYC abandoned→Recover
BUILT FOR ONLINE LENDING
Recover more applicants.
Spend less doing it.
BZZ Labs is lifecycle infrastructure for complex lending funnels. Detect application drop-offs, automate applicant states, recover users through the lowest-cost viable channel, and reactivate customers when they are ready to borrow again.
Launch cohort formingStart with frontend trackingAdd backend precision when ready
Application recovery
Last 30 days⌄Applicants12,400tracked
Recovered1,42011.5%
Funded96from recovery
Recovery CAC€7.64per funded
KYC abandonment recoveryACTIVE
Web push€18
Email€31
SMS€684
Journey cost€733
Recovered1,420
Cost / funded€7.64
Cost-aware recoveryCheap channels first. Escalate when value justifies it.KYC drop-off journey
96 fundedBUILT AROUND THE PARTS OF LENDING FUNNELS THAT ACTUALLY HURT
Multi-step applicationsApplicant lifecycle statesDrop-off recoveryRecovery economicsRepeat-customer reactivation
COMPLEX FUNNELS, EXPENSIVE DROP-OFFS
Every abandoned step has a cost.
Online lending journeys are rarely one screen and done. Applicants disappear during OTP, data capture, documents, KYC, approval and acceptance. BZZ keeps the journey and customer state connected so recovery can start from what actually happened.
01Phone & OTP
02Applicant data
03Employment
04Documents
05 · drop-offKYC
06Decision & acceptance
Detect the exact drop-off
Know which application stage the customer left and how long they have been inactive.
Keep applicant state
Prospect, applicant, pending, approved, rejected, customer and repeat-eligible states stay actionable.
Recover automatically
Trigger journeys from behaviour, inactivity, backend status changes or server events.
Stop when the outcome changes
Exit recovery when the applicant returns, converts, changes status or becomes ineligible.
COST-AWARE RECOVERY
Use the cheapest viable channel first.
Good lending recovery is not just about sending more messages. Start with low-cost channels such as web push and email, then escalate to higher-cost channels only as the remaining recovery value justifies it.
Build around economics, not channel vanity.
BZZ keeps channel cost, cumulative journey spend, estimated recoveries and cost per funded customer visible while you build the automation.
BZZ keeps channel cost, cumulative journey spend, estimated recoveries and cost per funded customer visible while you build the automation.
KYC recovery journeyESTIMATED ECONOMICS
Web pushImmediately after abandonment · included in the platform
€0delivery markup
EmailAfter 4 hours · low-cost volume included by plan
€31example usage
SMS escalationOnly for applicants still inactive after 24 hours
€684provider spend
EST. AUDIENCE12,400
EST. RECOVERED1,420
EST. FUNDED96
COST / FUNDED€7.45
APPLICANT LIFECYCLE AUTOMATION
React to state, not just pageviews.
Frontend behaviour tells BZZ what the applicant did. Backend events tell BZZ what actually happened. Together they keep recovery relevant and stop messages when the customer state changes.
Automate applicant states
Use server-side status updates such as pending, approved, rejected or issued as triggers, conditions and journey exit rules.
Pending→Approved→Issued
Bring good customers back
Reactivate borrowers when they repay, become repeat-eligible, receive a higher limit or reach another valuable lifecycle moment.
Customer→Eligible again→Reactivate
PROGRESSIVE PRECISION
Start simple. Get more precise as you connect more data.
BZZ can start producing value from frontend tracking alone. Add server-side outcomes and cost integrations when you want the economics to move from modeled to real.
Frontend only
Track application journeys, identify drop-offs and model recovery economics from observed behaviour.
- Journey and step tracking
- Estimated recovered users
- Modeled messaging cost
- Estimated recovery efficiency
Backend postbacks
Send application status and funded-loan events so BZZ can report the real commercial outcome of recovery.
- Real funded customers
- Issued amount and loan term
- Application status changes
- Actual cost per funded customer
Full integrations
Connect acquisition spend, messaging cost and customer value for end-to-end recovery economics.
- True CAC
- Recovery CAC
- ROI and contribution economics
- Value-based channel optimization
LAUNCH PRICING
Pay for the recovery platform. Keep channel spend transparent.
BZZ is priced on monthly active profiles, not events. Sending us more behavioural and server-side data should make the product smarter, not make your invoice weird.
€249/mo
- 25k monthly active profiles
- 1 product
- Unlimited web push
- 100k emails included
- Basic automation
- Modeled recovery economics
€699/mo
- 100k monthly active profiles
- 3 products
- Unlimited web push
- 500k emails included
- Full lifecycle automation
- Backend postbacks + funded reporting
- Recovery CAC
€1,499/mo
- 300k monthly active profiles
- 10 products
- 2M emails included
- Acquisition cost integrations
- True CAC + recovery CAC
- ROI reporting
- Value-based optimization
€3,000+/mo
- Custom active-profile volume
- Custom product count
- Roles, audit and SLA
- Custom data retention
- Managed channel delivery
- Custom integrations
- Commercial support
Messaging usage stays separate
Web push is included. Email has a large plan allowance. Higher-cost channels are billed separately so a cheap recovery platform does not magically become an expensive SMS reseller.
Web pushIncluded
Email overagefrom €0.50 / 1,000
SMS · WhatsApp · ViberProvider cost
Bring your provider or let BZZ manage it
BYO provider: connect your existing messaging accounts and negotiated rates. BZZ adds no traffic markup.
BZZ Managed: we handle the delivery account and consolidated billing at provider cost + 12% managed delivery fee.
Implementation: standard setup from €1,500. Advanced backend, historical data and acquisition integrations from €3,500.
BZZ LABS LAUNCH WAITLIST
Get into the first lending cohort.
We are opening BZZ in controlled launch waves while we finish the multi-channel recovery stack. Join the list and we will contact you when your market and use case are ready for onboarding.
✓No card and no prepayment.
✓Tell us your scale so we can prioritize the right onboarding path.
✓Existing BZZ users can still sign in normally.
Join the launch waitlist
Work email + company is enough. The extra context just helps us avoid sending you irrelevant launch updates.
LIFECYCLE INFRASTRUCTURE FOR ONLINE LENDERS
Every drop-off is expensive.
Recovery shouldn't be.
Track the journey. Recover the applicant. Know what it actually cost.