Time to Value (TTV)FinTechSeries B

Time to Value (TTV) for FinTech at Series B

2026 data · Sample size: 355 · Source: ChartMogul SaaS Growth Report 2025

25th %ile

6.2

Median

9.3

75th %ile

14.2

90th %ile

19.4

▼Trending down year-over-year

About This Metric

Time from signup to when a user first experiences the core value proposition of your product.

Median time from signup to activation event

Lower is better · Unit: time

How to Improve

Create a "quick start" mode that lets users experience core value before completing full setup. Build sample data and sandbox environments that demonstrate value immediately. Implement progressive onboarding that spreads complexity over time. Automate data import and migration to eliminate manual setup barriers. Design an initial value moment that users can reach within the first session.

Ehsan's Analysis

FinTech time to value is gated by regulatory requirements (KYC, bank linking) that add 5-15 minutes before ANY value is delivered. This is a structural constraint — you cannot skip identity verification. The FinTech companies with fastest TTV have redesigned the value sequence: deliver a preview of value BEFORE the regulatory gates. Robinhood shows users a stock watchlist and portfolio simulator before requiring KYC. Mint showed spending categories from linked accounts within 60 seconds of bank connection. The insight: the first "value" delivered does not need to be transactional. It can be informational (show me something about my money I did not know). Informational value costs nothing and has zero regulatory requirements. Then, once the user sees informational value and is motivated, they willingly complete the KYC/verification process to unlock transactional value. FinTech products that lead with "verify your identity to get started" have 40% lower activation than those that lead with "here is what we can show you right now."

Ehsan Jahandarpour

AI Growth Strategist & Fractional CMO

Forbes Top 20 Growth Hacker · TEDx Speaker · 716 Academic Citations · Ex-Microsoft · CMO at FirstWave (ASX:FCT) · Forbes Communications Council

Frequently Asked Questions

What is a good Time to Value (TTV) for FinTech companies at Series B stage?

The median Time to Value (TTV) for FinTech companies at the Series B stage is 9.3 days. Top‑quartile companies (75th percentile) significantly outperform this baseline. The most important factor is consistent improvement over time rather than hitting any single target number.

How does Time to Value (TTV) differ by company stage in FinTech?

Time to Value (TTV) typically improves as FinTech companies mature from seed through growth stage. Earlier‑stage companies should benchmark against stage‑appropriate peers rather than comparing themselves to mature companies.

How often should FinTech companies measure Time to Value (TTV)?

FinTech companies at the Series B stage should track Time to Value (TTV) monthly with quarterly deep‑dive analysis. Set up automated dashboards and alerts for significant deviations from your baseline.

What factors most impact Time to Value (TTV) in the FinTech sector?

In FinTech, the primary factors impacting Time to Value (TTV) include product‑market fit maturity, competitive landscape intensity, customer segmentation strategy, pricing optimization, and operational efficiency. Series B‑stage companies should focus on the one or two highest‑leverage factors rather than trying to optimize everything simultaneously.

How does Time to Value (TTV) for FinTech compare to cross‑industry benchmarks?

FinTech Time to Value (TTV) benchmarks can differ significantly from cross‑industry averages due to factors specific to the FinTech vertical including customer acquisition dynamics, competitive intensity, and typical deal sizes. Always compare against industry‑specific benchmarks rather than broad averages for meaningful insights.