The setting
extends its payments work to individual people with , a mobile wallet app with a virtual Mastercard for paying friends, settling bills and paying businesses.
A clearer view of existing accounts does not necessarily create a new spending habit.
A proposition that avoids switching friction must still earn a place in everyday payments.
Who you’d be doing this for
“I opened three apps before buying groceries yesterday. Please don’t make me move all my bills just to see what’s left.”
Faraji Abebe · Consumer using several bank accounts · a character in this brief
Checks separate accounts before making everyday purchases and is reluctant to move recurring payments.
What is at stake
Nine of 24 consumers interviewed see another banking app as more work. You must weigh a promise of visibility against the need to earn actual spending, not just connected accounts.
Why it isn’t already fixed
Every obvious fix costs something else. That’s the part you’d have to decide.
- visibility appeal vs a reason to spend
- local relevance vs comparable experiments
- audience exploration vs statistical power
- low switching friction vs another account to manage
Why SumUp
Connected-bank views sit alongside a merchant-led acquisition channel, creating a choice between attracting consumers through money visibility and attracting them at payment.
Written with these in mind
Not your kind of problem? 38 more at SumUp, or browse every organization.
Where the organization context comes fromThe postings this brief was written from, and the reporting read before it.
The organization context comes from public information. The situation and characters are written for the brief.
Job postings it was written from
Public descriptions of the work at SumUp. They are listed as sources, not as openings. The lines under a posting are its own words, where it meets this brief.
- CRM Manager- Consumer (opens in a new tab)
- The Consumer CRM team turns every new sign-up into an active, engaged customer by designing the journeys that guide people from onboarding through to their first transaction and beyond.
- SumUp's Consumer Bank is building the next generation of an everyday financial product.
- Head of Consumer Growth (opens in a new tab)
- Establish a rigorous test-and-learn programme, turning successful experiments into repeatable playbooks that can scale across markets.
- You will build the consumer growth function from its current early stage, bringing together performance marketing, direct-to-consumer acquisition, merchant-led distribution, CRM, creative and content.
- Growth Marketing Manager, Credit Products (opens in a new tab)
- Define and execute online acquisition strategies across web and app, including Google, Meta and TikTok.
- This is a high-impact role for someone who combines strong performance marketing expertise with an understanding of credit or other financial products, and enjoys turning complex business challenges into clear growth plans.
- Brand Manager - Marketing Effectiveness (opens in a new tab)
- Central Brand & Marketing builds the campaigns, trackers and insight that show whether SumUp's marketing actually works, across six markets and two very different audiences: consumer and business owners.
- Build and launch a new competitive insights hub that becomes the single place the business goes for market intelligence
- Senior Marketing Manager - B2C (opens in a new tab)
- Work closely with teams across Hardware, CRM, and other business lines to get consumer acquisition placements shipped through channels you don't directly own
- As Senior Marketing Manager (Merchant to Consumer) , you'll drive the merchant-to-consumer acquisition engine: the channel that converts SumUp's merchant network and their customers into SumUp personal banking customers.
Reporting read before this brief was written
The pieces closest to the situation in this brief.
OKX launched OKX Money on 6 October 2026, a standalone app combining stablecoin savings, payments, transfers and card spending, offering up to 10% APY on eligible USDG balances and up to 10% cashback on eligible purchases.
OKX Launches Standalone Stablecoin App With Up to 10% APY and 10% Cashback - Dave Finances (opens in a new tab) · davefinances.com · Oct 6, 2026
This is the setup. The work is inside.
Running it puts you in the room: the full situation and its constraints, stakeholders who push back in their own words, and the decisions that are yours to make. What you produce becomes a Day One Plan — work you can show someone instead of describing.
Where similar work appears
Other live briefs connected to this one, and what connects them.
Similar problems at other organizations
Like this one, each of these is about figuring out which problem is actually worth solving.
Prospects compare fee-free accounts on yield, while too many new accounts never become funded primary relationships.
You have to weigh a sharper financial-pressure message against qualified growth and compliant member expectations.
Lean startup founders are leaving before they reach spending controls, even as software costs rise.
You have to weigh a focused activation loop against claims and audiences that can withstand review.
Three fashion merchants offer 60,000 packages to reach shoppers who only manage payments in the app.
You weigh a broader discovery invitation against the merchant loyalty needed to secure that space.
The same setting, from another role
Each is set around SumUp’s SumUp Consumer (SumUp Pay), written for a different role. They’re separate briefs, not the same scenario.
Spending signals show recurring low balances before expected outgoings among people already using Spaces.
You must weigh a useful reserve against rules that make consumers unsure what money they can spend.
A network disruption left UK transfer instructions in uncertain states, and some may already have moved.
You must weigh faster access to money against an irreversible risk of duplicate execution.
Duplicate transfer-status notifications reached 4.8% after a deployment, despite correct money movement.
You must weigh a fast idempotency change against preserving retries when an external response is uncertain.
Other problems with a similar purpose
In each of these, as in this one, the aim is to turn ambiguous signs of buyer interest into a concrete, measurable step toward commitment.
Too few paused mid-market pros resume lead spend after reaching the budget and targeting message.
You need to weigh a sharper service-specific claim against a clean test that preserves confidence in iROAS.
Enrolled brands are stalling before their first Insider Partnership action.
You must choose which brands need tailored coaching and which need a clearer scaled path.
New users are arriving from AI-assistant questions, but their path is hidden inside generic referral traffic.
You have to weigh a focused eight-week test against a broader discovery bet with less interpretable learning.
