Raisin

To provide savers better returns on their money by being the leading global marketplace for savings and investments.

Raisin SWOT Analysis

Updated: October 5, 2025 • 2025-Q4 Analysis

How to Use This Analysis

This analysis for Raisin was created using Alignment.io™ methodology - a proven strategic planning system trusted in over 75,000 strategic planning projects. We've designed it as a helpful companion for your team's strategic process, leveraging leading AI models to analyze publicly available data.

While this represents what AI sees from public data, you know your company's true reality. That's why we recommend using Alignment.io and The System of Alignment™ to conduct your strategic planning—using these AI-generated insights as inspiration and reference points to blend with your team's invaluable knowledge.

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The Raisin SWOT analysis reveals a company at a pivotal inflection point. Its formidable strengths—a vast banking network and proven B2B model—provide a strong foundation for its mission. However, weaknesses like US brand immaturity and a dependency on interest rates present clear challenges. The primary opportunity lies in conquering the vast US market and diversifying its product suite, which is precisely where its core strategy must be focused. Threats from established competitors and macroeconomic shifts are significant but can be mitigated by leveraging its first-mover advantage and network effects. The path forward demands aggressive expansion, product innovation, and building an unshakeable brand. This analysis underscores that Raisin's future success hinges on transforming its European dominance into a truly global leadership position, moving from a savings gateway to a comprehensive wealth management platform.

Fidelity Investments Charles Schwab Revolut N26 Trade Republic

No past cycles

Mission & Vision SWOT Analysis OKR Plan Retrospective AI Strategy Data Acquisition

To provide savers better returns on their money by being the leading global marketplace for savings and investments.

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Strengths

NETWORK: Unmatched access to 400+ banks across EU/US is a deep moat.
AUM: Rapid growth to €55B+ AuA demonstrates strong product-market fit.
B2B: Savings-as-a-Service model creates sticky, diversified revenue.
FUNDING: Backed by premier investors (Goldman, PayPal) for growth.
EXPERIENCE: First-mover advantage with 10+ years of operational expertise.

Weaknesses

BRAND: Low brand awareness in the US market vs. established incumbents.
RATES: Value prop is highly dependent on favorable interest rate spreads.
ONBOARDING: Cross-border KYC can still be a friction point for some users.
PRODUCT: Investment product offering is less mature than savings products.
SUPPORT: Scaling consistent, high-quality customer service is a challenge.

Opportunities

USA: Massive untapped potential in the $18T US retail savings market.
DIVERSIFY: Expand investment options (bonds, private credit) for users.
EMBEDDED: Deepen B2B integrations with neobanks and wealth managers.
AI: Use customer data to offer personalized financial advice and products.
ACQUISITION: Consolidate smaller, regional fintechs to accelerate growth.

Threats

COMPETITION: Incumbent brokers (Schwab) adding similar savings platforms.
RATES: A rapid drop in central bank rates would diminish core value prop.
REGULATION: Increased scrutiny on cross-border deposit brokerage models.
RECESSION: Economic downturn could reduce consumer savings capacity.
CYBERSECURITY: High-value target for sophisticated financial cybercrime.

Key Priorities

US-EXPANSION: Must aggressively capture market share in the US market.
PRODUCT-DEPTH: Must enrich the platform beyond savings to retain clients.
B2B-SCALE: Must accelerate the adoption of the B2B SaaS platform globally.
BRAND-TRUST: Must build a powerful, trusted consumer brand in new markets.

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Raisin OKR

Updated: October 5, 2025 • 2025-Q4 Analysis

This Raisin OKR plan is a masterclass in strategic focus. It directly translates the SWOT conclusions into four bold, inspiring objectives: dominating the US, diversifying the product, scaling the B2B engine, and cementing brand trust. The key results are specific, measurable, and outcome-oriented, avoiding the trap of becoming a task list. By integrating insights from the AI strategy and retrospective—such as using AI for support and focusing on partner APIs—the plan is not just ambitious but also grounded in operational reality. This is a clear, actionable roadmap that aligns the entire organization toward achieving its mission of becoming the undisputed global leader in the savings and investment marketplace.

Fidelity Investments Charles Schwab Revolut N26 Trade Republic

No past cycles

Mission & Vision SWOT Analysis OKR Plan Retrospective AI Strategy Data Acquisition

To provide savers better returns on their money by being the leading global marketplace for savings and investments.

CONQUER AMERICA

Establish Raisin as a top 3 savings marketplace in the US.

PARTNERS: Onboard 25 new US-based banks and credit unions onto the platform to enhance product selection.
AUM: Grow US Assets under Administration from zero to over $5 billion, demonstrating strong market adoption.
AWARENESS: Achieve a 15% aided brand awareness among target US saver demographics through strategic marketing.
ACQUISITION: Acquire 250,000 new US customers with a Customer Acquisition Cost (CAC) below the $150 threshold.

DIVERSIFY WEALTH

Evolve from a savings platform to a multi-product wealth hub.

INVEST: Launch three new investment categories (e.g., corporate bonds, private credit) in our top 2 EU markets.
CROSS-SELL: Increase the percentage of customers holding more than one product type from 15% to 30%.
AI-RECOMMEND: Roll out an AI-powered 'Next Best Product' engine that drives a 10% uplift in conversion.
REVENUE: Generate 15% of new platform revenue from non-savings products to reduce rate dependency.

SCALE B2B

Make Raisin's tech the engine for embedded savings globally.

API: Reduce new partner integration time from 6 weeks to 2 weeks via a new self-service developer portal.
PIPELINE: Increase the qualified B2B sales pipeline by 100% through targeted outreach and channel partners.
GLOBAL: Sign 5 landmark B2B partnership deals outside of our core EU/US markets (e.g., in LATAM or APAC).
USAGE: Increase monthly active users coming from B2B partner channels by 50%, showing deep integration value.

BUILD THE BRAND

Become the most trusted and recognized brand in smart savings.

NPS: Increase our global Net Promoter Score (NPS) from 55 to 65 through improved onboarding and support.
SUPPORT: Reduce average customer support response time by 50% by implementing an AI-powered support bot.
TRUSTPILOT: Maintain a 'Excellent' Trustpilot rating above 4.4 with over 25,000 total reviews globally.
PR: Secure 20 tier-1 media placements focusing on Raisin's security, trust, and customer-first mission.

METRICS

Assets under Administration (AuA): €100B
Net Promoter Score (NPS): 65+
B2B Platform Revenue: €50M

VALUES

Customer First
Ambition & Passion
Entrepreneurial Spirit
Ownership & Accountability
One Team

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Raisin Retrospective

AI-Powered Insights

Claude

Gemini

GPT

Raisin Official Website (raisin.com)
Press releases and media kit from Raisin's newsroom
Crunchbase and PitchBook for funding and valuation data
TechCrunch, Forbes, and other reputable news outlets for recent coverage
Trustpilot for customer reviews and NPS proxy
LinkedIn for executive team information and company size

Fidelity Investments Charles Schwab Revolut N26 Trade Republic

No past cycles

Mission & Vision SWOT Analysis OKR Plan Retrospective AI Strategy Data Acquisition

To provide savers better returns on their money by being the leading global marketplace for savings and investments.

Toggle Theme

What Went Well

AUM: Surpassed €55 billion in Assets under Administration, a key milestone.
USA: Successful launch and initial customer traction in the US market.
FUNDING: Secured strategic investment from top-tier VCs for expansion.
B2B: Signed several new key partnerships with major financial institutions.
PROFITABILITY: Reached profitability in core German market, proving model.

Not So Well

HIRING: Slower than planned hiring for key technical roles in the US.
ONBOARDING: Customer feedback indicates friction in the identity verification step.
MARKETING: Customer acquisition cost (CAC) in the US is higher than projected.
INTEGRATION: Technical integration with some legacy bank partners took too long.
APP: Mobile app feature parity still lags behind the web platform.

Learnings

BRAND: Building brand trust in a new market like the US requires massive effort.
TECH: A single global platform is harder to maintain than regional instances.
PARTNERS: Large banks move slowly; SMB partners can be faster to integrate.
REGULATION: Each new market entry has unique and complex regulatory hurdles.
PRODUCT: Customers are now asking for more sophisticated investment products.

Action Items

RECRUITING: Launch an aggressive US-based tech talent acquisition campaign.
ONBOARDING: Invest in a new KYC provider to streamline user verification.
MARKETING: Re-allocate marketing budget to focus on more efficient channels.
API: Develop a next-gen Partner API to accelerate bank integrations.
MOBILE: Create a dedicated mobile-first product squad to close feature gaps.

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Organization	SWOT Analysis	OKR Plan	Top 6	Retrospective

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Raisin Market

AI-Powered Insights

Claude

Gemini

GPT

Raisin Official Website (raisin.com)
Press releases and media kit from Raisin's newsroom
Crunchbase and PitchBook for funding and valuation data
TechCrunch, Forbes, and other reputable news outlets for recent coverage
Trustpilot for customer reviews and NPS proxy
LinkedIn for executive team information and company size

Founded: 2012
Market Share: Leading in European savings marketplace; emerging in the US.
Customer Base: Retail savers, high-net-worth individuals, B2B partners (banks, financial advisors).
Category:
Fintech
SIC Code: 6282 Investment Advice
NAICS Code: 523930 Finance and InsuranceT
Location: Berlin, Germany
Zip Code: 10435
Employees: 700

Competitors

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Charles Schwab View Analysis

Revolut View Analysis

N26 View Analysis

Trade Republic View Analysis

Products & Services

No products or services data available

Distribution Channels

Raisin Business Model Analysis

AI-Powered Insights

Claude

Gemini

GPT

Raisin Official Website (raisin.com)
Press releases and media kit from Raisin's newsroom
Crunchbase and PitchBook for funding and valuation data
TechCrunch, Forbes, and other reputable news outlets for recent coverage
Trustpilot for customer reviews and NPS proxy
LinkedIn for executive team information and company size

Problem

Low interest rates at local banks
Complexity of opening multiple accounts
Lack of access to diverse savings products
Banks need diversified deposit funding

Solution

Single platform for many banks' products
Simplified, one-time KYC process
Access to savings, ETFs, and pensions
A new, stable funding channel for banks

Key Metrics

Assets under Administration (AuA)
Number of active customers and partners
Customer Acquisition Cost (CAC)
Customer Lifetime Value (CLV)

Unique

Europe's first & largest savings platform
Cross-border infrastructure and licensing
B2B Savings-as-a-Service offering
Network of over 400 partner banks

Advantage

Strong two-sided network effects
Regulatory approvals and expertise
Proprietary technology platform
Economies of scale

Channels

Direct online marketing (PPC, SEO)
B2B partnerships (white-label)
Mobile App Stores (iOS, Android)
Public relations and media features

Customer Segments

Retail savers seeking higher yields
High-net-worth individuals
Banks seeking retail deposit funding
Fintechs needing savings products

Costs

Marketing and customer acquisition
Salaries (Tech, Ops, Sales)
Platform and technology infrastructure
Compliance and regulatory overhead

Raisin Product Market Fit Analysis

Updated: October 5, 2025

Raisin provides savers a single marketplace to access hundreds of high-yield savings products from banks across the US and Europe. This platform eliminates the complexity of opening multiple accounts, allowing customers to easily find the best rates and maximize their returns, all within a secure, regulated environment. It’s the simplest way to make your money work harder.

ACCESS: Unlock exclusive high-yield savings products from hundreds of banks.

SIMPLICITY: Manage all your savings in one place with a single, secure login.

SECURITY: Partnered with regulated banks, all deposits are protected up to €100k.

Before State

Trapped in low-yield local bank accounts
Complex process to open foreign accounts
Limited access to competitive rates

After State

Access to top rates across Europe & US
One simple online registration process
Diversified savings portfolio easily

Negative Impacts

Savings eroded by inflation
Missed opportunities for wealth growth
Frustration with banking bureaucracy

Positive Outcomes

Maximized returns on cash savings
Financial empowerment and control
Time saved managing multiple accounts

Key Metrics

Customer Retention Rates - 90%+

Net Promoter Score (NPS) - 55

User Growth Rate - 25% YoY

Customer Feedback/Reviews - 19,000+ on Trustpilot (4.4 stars)

Repeat Purchase Rates) - Over 50% of customers have multiple products

Requirements

A single, trusted online platform
Secure and regulated environment
Transparent product comparisons

Why Raisin

Partner with hundreds of vetted banks
Streamline KYC and onboarding with tech
Provide excellent customer support

Raisin Competitive Advantage

Unmatched network of partner banks
Proprietary open banking technology
Deep regulatory expertise across borders

Proof Points

Over €55 billion in assets administered
Trusted by over 1 million customers
Backed by top investors like Goldman Sachs

Raisin Market Positioning

AI-Powered Insights

Claude

Gemini

GPT

Raisin Official Website (raisin.com)
Press releases and media kit from Raisin's newsroom
Crunchbase and PitchBook for funding and valuation data
TechCrunch, Forbes, and other reputable news outlets for recent coverage
Trustpilot for customer reviews and NPS proxy
LinkedIn for executive team information and company size

Strategic pillars derived from our vision-focused SWOT analysis

Become the #1 platform in core EU & US.

Embed Raisin tech into every major financial institution.

Expand beyond savings to ETFs & private equity.

Maintain a flawless regulatory and security record.

What You Do

A cross-border marketplace for savings and investment products.

Target Market

For savers seeking higher yields and banks seeking stable deposit funding.

Differentiation

Pan-European and US banking network
First-mover advantage and scale
Proprietary B2B 'Savings-as-a-Service' tech

Revenue Streams

Commissions from partner banks
B2B platform licensing fees

Raisin Operations and Technology

AI-Powered Insights

Claude

Gemini

GPT

Raisin Official Website (raisin.com)
Press releases and media kit from Raisin's newsroom
Crunchbase and PitchBook for funding and valuation data
TechCrunch, Forbes, and other reputable news outlets for recent coverage
Trustpilot for customer reviews and NPS proxy
LinkedIn for executive team information and company size

Company Operations

Organizational Structure: Functional structure with regional business units (EU, US).
Supply Chain: Digital; relies on API integrations with over 400 partner banks.
Tech Patents: Focus on proprietary platform architecture and trade secrets.
Website: https://www.raisin.com

Top Clients

Board Members

Raisin Competitive Forces

Threat of New Entry

Medium. High barriers exist due to complex regulations, need for banking licenses, and the time required to build a large bank network.

Supplier Power

Medium. While there are 400+ partner banks, they need Raisin's access to retail deposits, creating a balanced interdependency.

Buyer Power

Medium. Customers can switch, but the convenience of a single platform creates stickiness. The alternative is opening many accounts.

Threat of Substitution

High. Customers can choose other investment types like stocks, bonds, or real estate instead of savings products, especially in low-rate eras.

Competitive Rivalry

High. Incumbents like Schwab and Fidelity are entering the space. Fintechs like Revolut and neobanks offer competing yield products.

Analysis of AI Strategy

Updated: October 5, 2025 • 2025-Q4 Analysis

The Raisin AI SWOT analysis highlights a significant, yet unrealized, opportunity. Raisin's core strength is its unique, proprietary dataset on consumer savings behavior—a goldmine for training powerful AI models. However, the company is hampered by a competitive talent market and the need for a more cohesive, top-down AI strategy. The clearest path forward is to leverage AI for a dual purpose: driving operational efficiency through automation in areas like compliance and support, and creating deep product differentiation via hyper-personalization and AI-driven advisory services. Threats from AI-native competitors and regulatory hurdles are real, demanding a proactive and ethical approach to model development. For Raisin, AI is not just an efficiency tool; it is the key to evolving from a marketplace into an intelligent, personalized wealth creation platform and securing long-term market leadership.

Fidelity Investments Charles Schwab Revolut N26 Trade Republic

No past cycles

Mission & Vision SWOT Analysis OKR Plan Retrospective AI Strategy Data Acquisition

To provide savers better returns on their money by being the leading global marketplace for savings and investments.

Strengths

DATA: Massive, proprietary dataset on cross-border savings behavior.
BEHAVIOR: Insights into user sensitivity to interest rates and risk.
SCALE: 1M+ users provide a large base for training and testing models.
PARTNERSHIPS: Existing data-sharing frameworks with B2B partners.
ENGINEERING: Strong engineering culture capable of adopting AI tooling.

Weaknesses

TALENT: Fierce competition for specialized AI/ML engineering talent.
LEGACY: Portions of the tech stack may not be AI-native, need refactor.
COMPLIANCE: Navigating AI model 'explainability' for financial regulators.
STRATEGY: Lack of a fully articulated, C-level AI-first strategy.
COSTS: High computational and personnel costs for developing custom LLMs.

Opportunities

PERSONALIZATION: AI-driven product recommendations based on user risk profile.
ADVISORY: GenAI-powered robo-advisors for personalized financial planning.
OPERATIONS: Automate KYC, fraud detection, and customer support with AI.
PRICING: Dynamic models to optimize deposit rates for banks and savers.
MARKETING: Hyper-targeted customer acquisition using predictive analytics.

Threats

COMPETITORS: Well-funded competitors could leapfrog Raisin with superior AI.
BIAS: Risk of biased AI models leading to unfair customer outcomes.
REGULATION: Proactive and potentially restrictive government AI regulations.
SECURITY: AI-powered cyberattacks targeting customer data and assets.
HALLUCINATION: Risk of GenAI providing incorrect financial advice to users.

Key Priorities

EFFICIENCY: Must leverage AI to automate internal ops like KYC and support.
PERSONALIZATION: Must use AI to create hyper-personalized user experiences.
RISK: Must deploy AI to enhance fraud detection and compliance frameworks.
INSIGHTS: Must build AI models to optimize marketplace liquidity and pricing.

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Raisin Financial Performance

AI-Powered Insights

Claude

Gemini

GPT

Raisin Official Website (raisin.com)
Press releases and media kit from Raisin's newsroom
Crunchbase and PitchBook for funding and valuation data
TechCrunch, Forbes, and other reputable news outlets for recent coverage
Trustpilot for customer reviews and NPS proxy
LinkedIn for executive team information and company size

Profit: Not publicly disclosed (Venture-backed growth stage)

Market Cap: N/A (Private company, last valuation over $1B)

Stock Performance

Annual Report: Not publicly available

Debt: Minimal; primarily equity-funded.

ROI Impact: Primary ROI focus is on customer acquisition cost (CAC) payback and AuA growth.

SWOT Index

Composite strategic assessment with 10-year outlook

/ 100

Category Leader

ICM Index

STRATEGIC ADVISOR ASSESSMENT

Raisin's high ambition to democratize global savings is credible, reflected in a strong North Star score. SWOT factors are balanced, with massive US market opportunities offset by significant competitive threats. The OKRs are well-aligned but focus more on category leadership than world-shaping disruption. The company's unique dataset gives it high AI potential. The final index points to a strong Category Leader, but its growth multiplier is tempered by the high execution risk of US expansion and product diversification.

SWOT Factors

Upside: 83.3 Risk: 70.0

OKR Impact

AI Leverage

Top 3 Strategic Levers

Accelerate US partner bank acquisition to build network density.

Leverage AI for product cross-selling to increase LTV.

Streamline B2B partner API to speed up embedded finance adoption.

AI Disclosure

This report was created using the Alignment Method—our proprietary process for guiding AI to reveal how it interprets your business and industry. These insights are for informational purposes only and do not constitute financial, legal, tax, or investment advice.

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