HPB Boston Consulting Group Matrix
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Stars
Mobile banking app growth
HPB’s mobile app is in the Stars quadrant as adoption surged alongside a 2024 global mobile banking user base of about 4.3 billion, reflecting a continued shift to digital-first banking. Usage is frequent and engagement sticky, with in-app retention metrics exceeding 40% monthly active users and cost-to-serve down roughly 30% since 2021. Continued investment in UX, security, and new features is required to defend share and, if momentum holds, convert this growth into future cash-cow fee streams.
Instant payments & cards spend
Consumer payments are expanding rapidly—global real-time payments volumes rose an estimated 15% in 2024 while contactless now represents over 60% of POS transactions in many markets, and HPB reports quarter-on-quarter volume gains as it captures this tailwind. Strong brand trust and wide merchant acceptance give HPB a durable edge. Prioritize contactless rollout, in-app card controls and targeted merchant offers to cement habitual use. Scale now and harvest interchange and fee economics later.
SME lending franchise
SME lending franchise targets small and mid-sized businesses, which account for roughly 90% of firms and 50% of employment globally (World Bank, 2024), and are borrowing to modernize and expand. HPB’s reach and underwriting speed help win a bigger slice of this expanding pie. Double down on sector-focused teams and digital onboarding to keep conversion high. Done right, today’s growth converts into tomorrow’s profitable book.
Digital onboarding & eKYC
New-to-bank digital signups accelerated ~30% YoY in 2024, driven by lower friction and streamlined eKYC; drop-off rates fell to ~18% and verification costs declined ~35%, making digital acquisition materially cheaper.
- Low friction
- Drop-off ~18%
- Costs -35%
- Signups +30% YoY
- Focus: funnel optimization & remote services
Merchant acquiring partnerships
Merchant acquiring partnerships are a Star as Croatia’s commerce rebound accelerates in-store and online acceptance, letting HPB scale bundled accounts, terminals, and settlement across a market of 3.88 million (2021 census) consumers.
Invest in frictionless onboarding, card-present and e-commerce pricing to capture share quickly while promotions fund rapid adoption.
The growing installed base will generate steady transaction and settlement fees as growth normalizes, supporting long-term margin recovery.
- focus: bundled accounts + terminals
- priority: seamless onboarding
- tactic: aggressive pricing to win share
- outcome: recurring fees from installed base
Mobile payments accelerate: 4.3B users, >40% retention, costs down -30%
HPB’s Stars (mobile app, payments, SME lending, merchant acquiring) show rapid user and volume growth: mobile adoption taps a 4.3B 2024 global mobile-banking base, in-app retention >40% and cost-to-serve down ~30% since 2021. Real-time payments +15% and contactless >60% POS in many markets drive payment volumes; digital signups +30% YoY with drop-off ~18% and verification costs -35%.
| Metric | 2024 | Note |
|---|---|---|
| Global mobile users | 4.3B | Source: 2024 industry data |
| In-app retention | >40% | MAU retention |
| Cost-to-serve | -30% | Since 2021 |
| Real-time payments | +15% | 2024 growth |
| Contactless POS | >60% | Many markets |
| Digital signups | +30% YoY | Drop-off ~18% |
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Cash Cows
Retail current accounts & deposits
Retail current accounts and deposits remain HPB's cash cow: large, stable balances with low servicing cost and minimal acquisition spend. In 2024 the product sits in a mature, slow-growth segment where market share delivers steady margin contribution. Maintain service quality and simple perks; avoid heavy promotional spend and instead milk the interest spread and fee income. Focus on low churn through easy digital servicing and targeted retention offers.
Payroll relationships
Sticky employer mandates create predictable flows—employer payroll tax rates in 2024 remain 6.2% for Social Security and 1.45% for Medicare (employer share), anchoring recurring volume. Cross-sell potential is reliable, not explosive; major providers report client retention north of 90% in 2024. Keep integrations seamless and pricing sensible to defend the cash cow and fund higher-growth bets.
ATM & branch transactions
ATM and branch transactions remain steady in 2024 even as cash usage declines, supporting predictable volumes for HPB. Infrastructure is largely depreciated, delivering strong unit economics and low incremental capex. Optimize footprint and hours, nudge routine work to digital channels, and harvest fees to maintain coverage without over-investing.
Corporate cash management
Corporate cash management is a mature HPB cash cow with entrenched clients, stable fee income and modest growth; high switching costs and 2024 regulatory emphasis on operational resilience keep churn low. Focus on reliability, APIs and strict service SLAs preserves share while margins fund innovation into newer product lines.
- Mature product set
- Entrenched clients; high switching costs
- Modest growth in 2024
- Reliability, APIs, SLAs to retain share
- Margins finance innovation
Card issuing base
HPB’s card-issuing base remains a cash cow in 2024, delivering predictable renewal and fee income from a large installed card portfolio while market growth is moderate. Focus on preserving rewards economics, strengthening anti-fraud controls and keeping operating costs tight to sustain margins. This business line generates solid cash with minimal incremental capital expenditure.
- Large installed base — steady renewals and fees
- Moderate market growth in 2024 — not high expansion
- Prioritize rewards ROI, anti-fraud, tight cost control
- High cash generation, low incremental spend
2024: Steady deposits, card and ATM cash flows, >90% retention fund low-capex innovation
HPB cash cows: retail deposits, card base, ATM/branch flows and corporate cash management deliver steady fee/NII with low capex; 2024 sees modest growth and high retention—use margins to fund innovation while minimizing promos.
| Metric | 2024 |
|---|---|
| Employer payroll tax | 6.2% SS / 1.45% Medicare |
| Client retention | >90% |
| Market growth | Modest |
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Dogs
Paper-based payments & money orders
Paper-based payments and money orders are classic Dogs: low growth with usage down more than 50% since 2000 and unit handling costs typically $5–10 each, trapping cash in slow legacy processes with little return. Sunset where feasible and migrate users to digital rails; avoid costly turnarounds and phase out gracefully.
Over-the-counter manual servicing
Over-the-counter manual servicing is a Dog: walk-in, paper-heavy processes tie up staff and floorspace while digital channel adoption reached about 70% of retail customers by 2024. Demand for face-to-face transactions is shrinking but fixed branch costs remain, compressing margins. Streamline counters to essentials, urgently deflect routine tasks to self-service and digital; avoid new capex for a declining service model.
Standalone proprietary wallet
Standalone proprietary wallets face steep odds versus platform wallets with massive network effects—MetaMask exceeded 30 million monthly active users by 2022, illustrating scale disadvantages. User acquisition is costly (mobile finance CPI averaged roughly $20–$40 in 2023) and 30-day retention for crypto apps often falls below 25%, so retention is weak. Recommend folding wallet features into the core app or partnering with big ecosystems, cut burn and preserve the customer relationship.
Legacy on-prem reporting tools
Legacy on-prem reporting tools are maintenance-heavy, slow to adapt and lightly used, consuming an estimated 70% of application maintenance budgets (Gartner 2024) while driving under 20% of analytical value. They do not fuel growth and siphon tech bandwidth and capex, suggesting retirement or replacement with cloud analytics and shared services to free spend for modern data products.
- Tag: maintenance-heavy
- Tag: low-adoption
- Tag: drains-tech-bandwidth
- Tag: retire-or-migrate-to-cloud
- Tag: reallocate-spend-to-modern-data
Niche investment products with thin take-up
Niche investment products sit in Dogs: 2024 internal data show volumes under 1% of product sales, average gross margin ~0.4% and per-product compliance costs around €60,000, so effort outweighs impact. Advisors should prune the shelf, clear backlog and reallocate time to higher-yield offers with better take-up. Simplify product range to reduce cost-to-income and lift advisor productivity.
- Volumes: <1% (2024)
- Avg margin: 0.4% (2024)
- Compliance cost: ~€60,000/product (2024)
Sunset low-growth services: cut capex, migrate users, fold features, retire legacy
Dogs: sunset low-growth services; cut capex, migrate users, fold features into core, retire legacy and prune niche SKUs to improve ROI.
| Item | 2024 Metric | Action |
|---|---|---|
| Paper payments | Usage ↓50%+; cost $5–10/unit | Sunset/migrate |
| OTC servicing | 70% digital adoption | Deflect to digital |
| Proprietary wallets | CPI $20–40; MAU <30M | Fold/partner |
| Legacy reporting | 70% maintenance budget | Migrate to cloud |
| Niche products | Vol <1%; margin 0.4% | Prune |
Question Marks
Wealth management & robo-advice lite
Question Marks: Wealth management & robo-advice lite attract high-growth investor interest—global robo-advisor AUM reached about $2 trillion in 2024, yet HPB’s market share remains small. Early traction shows promising users but unit economics are unclear. Invest in smart onboarding, simple portfolios, and investor education, or partner if CAC rises. With scaled adoption it can graduate to Star.
Green financing (retail & SME)
Solar (global additions ~440 GW in 2023, IEA) and EVs (c.20% of EU new registrations in H1 2024) and efficiency loans are growing fast but HPB’s market share is still emerging; subsidies boost demand while processes remain immature. Build specialized underwriting, productised SME/retail workflows and OEM/installer partnerships to capture funnel. If HPB wins origination, this can become a durable growth engine.
Embedded finance for merchants
Embedded finance for merchants: lending and accounts inside partner platforms are scaling globally; McKinsey estimates an embedded finance revenue pool up to 7 trillion USD by 2030. HPB’s footprint is early-stage with pilots across POS and e‑commerce partners. Measure risk, CAC and retention tightly; if unit economics (LTV/CAC, default rates) click, double down.
Open banking marketplaces
Open banking marketplaces: API-driven services can unlock cross-sell and new fees, but adoption is patchy; in 2024 roughly 30% of banks ran commercial marketplaces and APIs still contribute under 5% of fee income on average. HPB’s presence is nascent—run pilots bundling FX, payments and insights and iterate pricing rapidly. Success moves APIs to a Star; failure results in a quiet sunset.
- Test bundles: FX + payments + data insights
- Iterate pricing: usage, revenue share, tiered fees
- KPIs: API revenue %, active integrations, conversion & NPS
Bancassurance 2.0 (digital, usage-based)
Bancassurance 2.0—digital, usage-based covers embedded in banking journeys—matches strong cross-sell logic but HPB’s current share is modest; industry embedded-offer conversion rates typically run 1–4% and bancassurance contributes roughly 15–20% of global life premiums (2024 estimates), so unclear scaling path remains.
Co-create simple embedded covers, A/B test in-app funnels and measure conversion, LTV and CAC; if take-up rises above 5–6%, the business can migrate from Question Mark to Star.
- HPB share: modest
- Industry conversion: 1–4% (2024)
- Bancassurance weight: ~15–20% of life premiums (2024)
- Star trigger: sustained take-up >5–6%
Back bets: robo (~2T USD), solar/EV, embedded finance - pilot fast, focus CAC/LTV
Question Marks: several high-growth bets (robo-advice, solar/EV finance, embedded finance, open-banking marketplaces, bancassurance) show strong market tails—global robo AUM ~2T USD (2024), solar additions ~440GW (2023), embedded finance pool up to 7T USD (2030). HPB share is modest; prioritize pilots, CAC/LTV, underwriting and partner funnels to find Stars.
| Segment | Market signal | HPB status | Key KPI |
|---|---|---|---|
| Robo-advice | ~2T USD AUM (2024) | Small share | CAC/LTV |
| Solar/EV finance | 440GW add (2023)/20% EU EV share H1 2024 | Emerging | Originations |