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  • The brief
  • Start here
  • Idea portfolio
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  • This week · 6
  • This quarter · 9
  • Big bets · 3
  • Wildcards · 3
  • How we can help
Generated Oct 22, 2026
  1. Programmable
  2. Playbooks
  3. Bitpanda
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growth playbook · Oct 22, 2026

bitpanda.com (opens in a new tab)

Bitpanda growth playbook

Diagnosis

Bitpanda is reshaping itself from a crypto broker into a multi-asset platform (adjusted revenue €371 million in 2025, 7.4 million registered users) and its hiring shows how: a redesigned growth organisation with a growth analytics lead for CAC, LTV and incrementality, a German copywriter for the DACH audience, product managers and designers for securities and crypto, and a general manager for Fusion.

The website has not caught up: about 850 crypto price pages but only 50 stock pages and no ETF pages for 10,000+ stocks and ETFs, a referral programme that only counts crypto, switching pages only for crypto exchanges, and a robots setting that asks AI assistants not to use the site in answers.

This playbook starts by giving every stock and ETF a page, then builds one customer-value model, guided second products, DACH content and measurable sponsorships.

Growth Score

7/10

Biggest Opportunity

Become findable for the stocks and ETFs Bitpanda already sells: thousands of savings-plan searches in German have no Bitpanda page to land on today.

Biggest Risk

Trade Republic and Scalable Capital are the default choice for DACH ETF savers, and growth spending has cut EBITDA; without measured payback, more marketing may not buy durable customers.

01

Start here

The three moves to make first. Each one is written up in full below.

  1. 1

    Give the 2,500 ETFs and 7,500 stocks their own pages, starting with your customers' favourite iShares ETFs

    Export the 100 most-held ETFs and stocks and check which have no page.

    High impact First result in 1 month
  2. 2

    Fix the joined-up stock URLs in the Romanian sitemap and the English slugs in translated Academy articles

    Remove the joined URLs from the Romanian sitemap today.

    Medium impact First result in 2 weeks
  3. 3

    Decide on purpose whether AI assistants may use bitpanda.com in their answers

    Ask legal why ai-input is off and list the pages that could open.

    High impact First result in 1 month

02

Your idea portfolio

21 ideas, grouped by when to run them. Open any idea for how to run it: the steps, who to approach, copy you can use, and how to measure it.

  • 7 ideas are marked Unexpected: plays you are unlikely to have tried.

Every idea placed by the effort it takes against the impact it could have. Quick wins sit top left; select a number to open that idea. The filters below narrow the list by status, timing, category and what Programmable can build.

Effort vs impactEach number is an idea. Select one to open it.
Impact →
Quick wins · 2Big bets · 12Fill-ins · 4Reconsider · 3
Effort →

Showing 21 of 21 ideas

This week 6

Quick wins with a clear first action.

  • 01

    Bitpanda sells "10,000+ Stocks & ETFs" and savings plans on 2,500 ETFs, and wants to be seen as more than crypto. But the English sitemap has about 850 crypto price pages, only 50 stock pages and no ETF pages at all: /en/prices/etfs is a 404, Siemens and Allianz return 404, and the BlackRock page names "our customers' favourite" iShares Core MSCI World ETF without linking anywhere. A saver searching "iShares MSCI World Sparplan" or "Allianz Aktie kaufen" cannot land on Bitpanda.

    High impactMedium effort First result in 1 month Product Manager

    First action

    Export the 100 most-held ETFs and stocks and check which have no page.

    How to measure it

    Organic sign-ups landing on stock/ETF pages

    Now
    –
    Target
    +5,000 a month
    By
    2 quarters

    Steps

    1. 1

      List the gaps

      Tradable stocks and ETFs without a page, by customer holdings.

      Business Intelligence Analyst 2 days

    2. 2

      Design the template

      Price, ISIN/WKN, fee, savings plan, KID and issuer.

      Senior Product Designer, Securities 1 week

    3. 3

      Write the copy

      German first, then the other locales.

      Senior Copywriter (German) 1 week

    4. 4

      Compliance check

      Risk text and KID links per template.

      Compliance 1 week

    5. 5

      Build and index

      Generate pages, add them to the sitemaps.

      Web Engineering Lead 2 weeks

    6. 6

      Link from partners

      iShares, Amundi and Xtrackers pages link each ETF.

      Product Manager, Securities & Commodities 2 days

    7. 7

      Measure

      Search impressions and sign-ups per page type.

      Manager, Growth Analytics weekly

    First result
    1 month
    Cost
    Engineering and copy time
    Owner
    Product Manager, Securities & Commodities

    Smallest test

    Publish pages for the six favourite iShares ETFs and track them for a month.

    Why it works

    Generate a page for every tradable stock and ETF in each language: name, ISIN/WKN, live price, savings-plan availability and the €1 fee, KID link, issuer and a "Start a savings plan" button. Start with the 100 ETFs and DAX/Euro Stoxx stocks most held by customers, have the German copywriter write the templates, list them in the sitemaps and link them from the partner pages and /prices/stocks.

    ETF and stock searches are the biggest high-intent queries in DACH investing, and each page is a landing page for the savings plan, the product that retains best. Crypto pages already prove the template works.

    Ready to use

    ChecklistETF page template

    [ ] Name, ISIN and WKN in the title
    [ ] Live price and TER
    [ ] "Savings plan from €1, fee-free" box
    [ ] €1 per trade fee line
    [ ] KID link and risk text
    [ ] Issuer and partner page link
    [ ] Related ETFs
    [ ] hreflang for all locales
    [ ] Listed in the sitemap

    Risks and how to handle them

    • Thin pages

      Add holdings, costs and savings-plan examples to every page.

    • Marketing rules for securities

      One compliance-approved template, not page-by-page copy.

    Evidence

    • Your websiteEnglish sitemap (1,342 URLs, checked October 21, 2026): about 850 crypto price pages but only 50 stock price pages and no ETF pages at all; /en/prices/etfs returns 404, and so do stock pages for DAX companies such as Siemens and Allianz. The stock listing page /en/prices/stocks shows no stock list in its HTML. The German sitemap has the same 50 stock pages.Source
    • Your websiteStocks & ETFs page: "10,000+ Stocks & ETFs", "€1 flat fee per trade", "Fully automated tax handling.", savings plans "for more than 7,500 stocks and 2,500 ETFs", with "over 530 iShares ETFs", "over 300 Amundi ETFs" and "more than 270 ETFs" from Xtrackers by DWS. The homepage says "Invest and trade 650+ cryptos, 10,000+ real stocks, ETFs and metals."Source
    • Your websiteBlackRock partner page: lists "Our customers' favourite iShares ETFs" (iShares Core MSCI World, Core S&P 500, Core MSCI EM IMI, MSCI ACWI, NASDAQ 100, Core EURO STOXX 50), based on "the aggregate number of Bitpanda customers with active investments", but none of them links to its own page; Amundi and DWS have partner pages too.Source
    • HiringSenior Copywriter (German), Global Creative Studio (posted September 21, 2026): leads "copy strategy and conceptual execution across all channels for our primary DACH audience", from campaign hooks and video scripts "to OOH, landing pages, and performance ads", and must "demystify crypto, stocks, ETFs, and digital assets into engaging, accessible, and compliant copy".Source
    • HiringProduct Manager, Securities & Commodities (posted August 18, 2026) owns flows such as "equity trading interfaces, margin trading touchpoints, or RWA execution steps" and must turn complex concepts "into transparent, high-converting retail experiences"; two Senior Product Designer, Securities roles (Vienna and Barcelona) are also open.Source
  • 02

    The Romanian sitemap lists URLs such as /ro/prices/stocks/tsmc-adr-tsfa-allianz-alv, several slugs glued together, which load a TSMC page and canonicalise to themselves, while the real Allianz page is a 404. Translated Academy articles in French, Italian and German keep English slugs.

    Medium impactLow effort First result in 2 weeks SEO Lead

    First action

    Remove the joined URLs from the Romanian sitemap today.

    How to measure it

    Sitemap URLs returning a clean 200

    Now
    –
    Target
    100%
    By
    1 month

    Steps

    1. 1

      Find the bug

      Where the generator joins slugs.

      Web Engineering Lead 1 day

    2. 2

      Fix and redirect

      Joined URLs to the right asset.

      Web Engineering Lead 1 day

    3. 3

      Check all locales

      Same test for 13 sitemaps.

      SEO Lead 1 day

    4. 4

      Localise slugs

      Top 50 translated articles.

      SEO Lead 1 week

    5. 5

      Add monitoring

      Weekly sitemap crawl.

      Web Engineering Lead 1 day

    6. 6

      Report

      Search Console indexing by locale.

      SEO Lead monthly

    First result
    2 weeks
    Cost
    $0
    Owner
    SEO Lead

    Smallest test

    Fix the four Romanian URLs and resubmit the sitemap.

    Why it works

    Fix the sitemap generator so each locale lists one clean URL per asset, redirect the joined URLs to the right page, and add localised slugs to translated articles with redirects from the old ones. Add a weekly sitemap check to catch regressions.

    Clean URLs stop search engines indexing odd duplicates and help localised pages rank in their own language.

    Risks and how to handle them

    • Losing rankings on changed slugs

      301 redirects from every old slug.

    Evidence

    • Your websiteThe Romanian sitemap lists stock URLs made of several slugs joined together, e.g. /ro/prices/stocks/tsmc-adr-tsfa-allianz-alv, which loads as a TSMC page with a self-referencing canonical, while /ro/prices/stocks/allianz-alv returns 404. Several French, Italian and German Academy articles keep English URL slugs.Source
    • Your websiteEnglish sitemap (1,342 URLs, checked October 21, 2026): about 850 crypto price pages but only 50 stock price pages and no ETF pages at all; /en/prices/etfs returns 404, and so do stock pages for DAX companies such as Siemens and Allianz. The stock listing page /en/prices/stocks shows no stock list in its HTML. The German sitemap has the same 50 stock pages.Source
  • 03

    robots.txt tells AI systems "ai-input=no" for every page except llms.txt and skill.md, while "ai-train=yes". Bitpanda is investing in AI (MCP servers, an AI investing assistant page), yet the signal asks assistants not to ground answers about Bitpanda's fees, assets or savings plans in Bitpanda's own pages.

    High impactLow effort First result in 1 month Manager

    First action

    Ask legal why ai-input is off and list the pages that could open.

    How to measure it

    Share of 50 test questions citing bitpanda.com

    Now
    –
    Target
    40%
    By
    2 quarters

    Steps

    1. 1

      Find the reason

      Who set ai-input=no and why.

      Compliance 2 days

    2. 2

      Decide scope

      Which page groups to open.

      Manager, Growth Analytics 2 days

    3. 3

      Update robots.txt

      Path-level signals.

      Web Engineering Lead 1 hour

    4. 4

      Baseline prompts

      50 broker questions in 5 languages.

      SEO Lead 1 week

    5. 5

      Track monthly

      Citations and accuracy.

      SEO Lead monthly

    6. 6

      Fix wrong answers

      Update pages assistants misread.

      Senior Copywriter (German) monthly

    First result
    1 month
    Cost
    $0
    Owner
    Manager, Growth Analytics

    Smallest test

    Run the 50 questions this week to see what assistants say now.

    Why it works

    Review the setting with legal and growth. If the goal is to be recommended, allow ai-input for product, price, fee and Academy pages and keep it off where needed. Then test monthly what ChatGPT, Gemini and Perplexity say about "best ETF savings plan Austria" or "where to buy Bitcoin in Germany" and which sources they cite.

    Assistants increasingly answer "which broker" questions. If they cannot use Bitpanda's pages they rely on third-party reviews, which may be out of date.

    Risks and how to handle them

    • Content reused without credit

      Keep ai-train separate and open only answer-relevant pages.

    Evidence

    • Your websiterobots.txt sets "Content-Signal: ai-train=yes, search=yes, ai-input=no" for the whole site and allows ai-input only for /llms.txt, /skill.md, /auth.md and /.well-known/. Bitpanda also publishes an llms.txt product map, a skill.md for its two MCP servers and an "Invest with AI Assistants" page ("Connect Claude, ChatGPT or other AI assistants to your Bitpanda account").Source
    • Your websitellms.txt: "3,000+ digital and traditional assets" for "7M+ users across all 27 EU countries", regulated under MiCAR, MiFID II and PSD2; stocks and ETFs come with "automatic tax withholding in Austria and Germany"; products include Fusion (700+ trading pairs), Savings Plan ("fee free plans for stocks and ETFs"), Cash Plus, Bitpanda Card, Bitpanda Club (VIP tiers), Earn, Margin Trading and the Vision (VSN) Web3 ecosystem.Source
    • HiringManager, Growth Analytics (Vienna and Bucharest, posted September 25, 2026): "build the core decision engine for our redesigned Growth organization", set "trusted, company-wide definitions for CAC, payback, LTV, cohort performance, and incrementality", lead forecasting and "elevate the quality of our experimentation".Source
  • 04

    Bitpanda pays up to €100 each per referral, but "Only crypto and Bitpanda Crypto Index (BCI) investments count". A friend who joins to start an ETF savings plan, the product Bitpanda now leads with, earns their referrer nothing.

    High impactLow effort First result in 1 quarter CRM Lead

    First action

    Count how many active customers hold only securities.

    How to measure it

    Referral sign-ups

    Now
    –
    Target
    +30%
    By
    2 quarters

    Steps

    1. 1

      Size the group

      Customers who mainly hold securities.

      Business Intelligence Analyst 2 days

    2. 2

      Model the cost

      Reward ladder by asset margin.

      Manager, Growth Analytics 1 week

    3. 3

      Update terms

      Qualifying purchases.

      Compliance 2 weeks

    4. 4

      Build tracking

      Savings-plan executions count.

      Web Engineering Lead 2 weeks

    5. 5

      Write the invite

      ETF-focused message.

      Senior Copywriter (German) 2 days

    6. 6

      Measure

      Referral rate by customer type.

      Manager, Growth Analytics monthly

    First result
    1 quarter
    Cost
    Referral rewards
    Owner
    CRM Lead

    Smallest test

    Offer the securities ladder to one market for a month.

    Why it works

    Count stock, ETF and metal purchases (including savings-plan executions) towards the reward steps, with a separate, smaller ladder if margins need it. Add a "Start investing in ETFs" variant of the invite message for referrers who mainly hold securities.

    Customers recommend what they use. Securities-only customers are a growing group, and they currently have no reason to invite friends.

    Risks and how to handle them

    • Reward abuse

      Pay after 90 days of held investments.

    Evidence

    • Your websiteTell-a-Friend: "up to €100 each"; the first reward comes "once your friend has invested €500 in crypto or BCIs" (€5 each), and "Only crypto and Bitpanda Crypto Index (BCI) investments count"; the programme "is not allowed in the UK".Source
    • Your websiteStocks & ETFs page: "10,000+ Stocks & ETFs", "€1 flat fee per trade", "Fully automated tax handling.", savings plans "for more than 7,500 stocks and 2,500 ETFs", with "over 530 iShares ETFs", "over 300 Amundi ETFs" and "more than 270 ETFs" from Xtrackers by DWS. The homepage says "Invest and trade 650+ cryptos, 10,000+ real stocks, ETFs and metals."Source
    • News coverageBitpanda reported 2025 adjusted revenue of €371 million (+16%) and adjusted EBITDA of €13 million (down from €52 million) after deliberate investment in growth; registered users grew 25% to 7.4 million. Coverage in January 2026 said Bitpanda was preparing a possible Frankfurt listing and no longer wants to be seen as crypto-only.Source
  • 05

    Bitpanda has "Switch to Bitpanda" pages for Binance, Bitget, HTX, BingX and MEXC, all crypto exchanges. There is nothing for the much larger group moving ETF savings plans and shares from a bank or broker, and the footer's "Buy" links are all crypto.

    High impactMedium effort First result in 1 month Senior Copywriter

    First action

    Check with operations which incoming transfers Bitpanda supports today.

    How to measure it

    Switch-page sign-ups

    Now
    –
    Target
    1,000 a month
    By
    2 quarters

    Steps

    1. 1

      Confirm the process

      Supported transfers and costs.

      Product Manager, Securities & Commodities 1 week

    2. 2

      Write the page

      German first.

      Senior Copywriter (German) 1 week

    3. 3

      Compliance review

      Claims and cost wording.

      Compliance 1 week

    4. 4

      Publish and link

      Footer and stocks page.

      SEO Lead 2 days

    5. 5

      Support script

      For transfer questions.

      Customer Support Lead 1 week

    6. 6

      Measure

      Sign-ups and transfers.

      Manager, Growth Analytics monthly

    First result
    1 month
    Cost
    Copy time
    Owner
    Senior Copywriter (German)

    Smallest test

    Add one footer link to the ETF savings plan page.

    Why it works

    Publish a German-first switching page: how to move securities, what it costs, how long it takes, how to restart a savings plan, with a checklist and support contact. Add footer links to the top ETF and stock pages next to the crypto ones.

    People switch brokers when fees or features annoy them, and a clear guide removes the main fear of losing positions in the move.

    Risks and how to handle them

    • Transfer process not ready

      Start with "open a savings plan alongside your old account".

    Evidence

    • Your website"Switch to Bitpanda" pages exist only for crypto exchanges (Binance, Bitget, HTX, BingX, MEXC under /move-crypto/), and the footer's "Buy" links are all crypto (Bitcoin, Ethereum, XRP, Dogecoin, Cardano); there is no switching page for people moving a securities account from another broker.Source
    • HiringSenior Copywriter (German), Global Creative Studio (posted September 21, 2026): leads "copy strategy and conceptual execution across all channels for our primary DACH audience", from campaign hooks and video scripts "to OOH, landing pages, and performance ads", and must "demystify crypto, stocks, ETFs, and digital assets into engaging, accessible, and compliant copy".Source
    • Your websiteStocks & ETFs page: "10,000+ Stocks & ETFs", "€1 flat fee per trade", "Fully automated tax handling.", savings plans "for more than 7,500 stocks and 2,500 ETFs", with "over 530 iShares ETFs", "over 300 Amundi ETFs" and "more than 270 ETFs" from Xtrackers by DWS. The homepage says "Invest and trade 650+ cryptos, 10,000+ real stocks, ETFs and metals."Source
    • Competitor researchRivals' own homepages: Trade Republic, "Invest, spend and bank", "Earn 2.5 % p.a. on your cash", invest "with just 1 €" and "1 % Saveback"; Scalable Capital, "Interest, trading flatrate, invest in stocks, ETFs, funds, crypto & more from €1". Both sell ETF savings plans to the same DACH savers.Source
  • 06

    Chrome data shows real visitors fail Core Web Vitals on responsiveness (INP 309 ms), loading is trending 19% slower, and the English homepage HTML alone is about 684 KB. Price pages with live charts are where most visitors arrive.

    Medium impactMedium effort First result in 1 month Web Engineering Lead

    First action

    Record the three slowest interactions on the Bitcoin price page.

    How to measure it

    INP p75

    Now
    –
    Target
    under 200 ms
    By
    1 quarter

    Steps

    1. 1

      Profile

      Homepage and top price pages.

      Web Engineering Lead 3 days

    2. 2

      Cut page data

      Smaller embedded payloads.

      Web Engineering Lead 1 week

    3. 3

      Defer scripts

      Load after interaction.

      Web Engineering Lead 1 week

    4. 4

      Set a budget

      INP and size checks in CI.

      Web Engineering Lead 2 days

    5. 5

      Track field data

      Chrome UX Report monthly.

      Web Engineering Lead monthly

    6. 6

      Link to conversion

      Sign-up rate by speed.

      Manager, Growth Analytics monthly

    First result
    1 month
    Cost
    Engineering time
    Owner
    Web Engineering Lead

    Smallest test

    Defer one widget on the Bitcoin page and compare INP.

    Why it works

    Profile the slowest interactions on the homepage and price pages, cut the embedded page data, defer non-critical scripts and widgets until after the first interaction, and set a budget of 200 ms INP in release checks.

    Faster pages convert better on mobile and are a ranking factor; the gap is small enough to close in a sprint.

    Risks and how to handle them

    • Live charts are heavy

      Load chart code only when the chart is in view.

    Evidence

    • Google PageSpeedChrome UX Report for bitpanda.com: real visitors fail Core Web Vitals on responsiveness (INP 309 ms at the 75th percentile; the limit is 200 ms), while loading (LCP 1.6s) and layout (CLS 0.01) pass; LCP is trending 19% slower. The English homepage HTML alone is about 684 KB.Source
    • Your websiteEnglish sitemap (1,342 URLs, checked October 21, 2026): about 850 crypto price pages but only 50 stock price pages and no ETF pages at all; /en/prices/etfs returns 404, and so do stock pages for DAX companies such as Siemens and Allianz. The stock listing page /en/prices/stocks shows no stock list in its HTML. The German sitemap has the same 50 stock pages.Source

This quarter 9

The core plays for the next three months.

  • 07

    The Growth Analytics manager is asked for company-wide CAC, payback, LTV and incrementality for a "redesigned Growth organization", while revenue grew 16% and EBITDA fell to €13 million after growth spending. Today the products sit in different teams with different success measures.

    High impactHigh effort First result in 1 quarter Manager

    First action

    Agree the five revenue lines and the cohort definition.

    How to measure it

    Blended CAC payback

    Now
    –
    Target
    -20%
    By
    2 quarters

    Steps

    1. 1

      Define the model

      Revenue lines and cohorts.

      Manager, Growth Analytics 2 weeks

    2. 2

      Build in dbt

      Core model and tests.

      Business Intelligence Analyst 1 month

    3. 3

      Channel view

      CAC and payback by channel.

      Manager, Growth Analytics 2 weeks

    4. 4

      Incrementality tests

      Geo holdouts for top channels.

      Manager, Growth Analytics 1 quarter

    5. 5

      Budget review

      Shift spend to fastest payback.

      Chief Marketing Officer monthly

    6. 6

      Self-serve dashboard

      For product and channel teams.

      Business Intelligence Analyst 1 month

    First result
    1 quarter
    Cost
    Analyst time
    Owner
    Manager, Growth Analytics

    Smallest test

    Compute payback for the top three channels by hand.

    Why it works

    Define one customer-value model that adds up trading, savings plans, Cash Plus, Card, Earn and Fusion revenue per cohort and acquisition channel. Use it to set channel budgets and to decide which second product to offer each customer.

    When margin is under pressure, knowing which customers pay back fastest is the biggest lever on growth spend.

    Risks and how to handle them

    • Slow, disputed numbers

      Sign definitions off with Finance first.

    Evidence

    • HiringManager, Growth Analytics (Vienna and Bucharest, posted September 25, 2026): "build the core decision engine for our redesigned Growth organization", set "trusted, company-wide definitions for CAC, payback, LTV, cohort performance, and incrementality", lead forecasting and "elevate the quality of our experimentation".Source
    • News coverageBitpanda reported 2025 adjusted revenue of €371 million (+16%) and adjusted EBITDA of €13 million (down from €52 million) after deliberate investment in growth; registered users grew 25% to 7.4 million. Coverage in January 2026 said Bitpanda was preparing a possible Frankfurt listing and no longer wants to be seen as crypto-only.Source
    • HiringBusiness Intelligence Analyst (posted October 9, 2026) for a "self service BI visualisation platform" and the core dbt data model, plus a Business Intelligence intern; every post describes the goal of "being Europe's future #1 investment platform".Source
    • HiringGeneral Manager Advanced Trading (Fusion): owns "commercial growth" of the advanced trading platform across crypto, equities, commodities and derivatives; the North Star is "sustainable trading activity, deep customer engagement, and trading-related revenue growth", measured on "trading volume, active user growth, retention, and lifetime value".Source
  • 08

    Bitpanda grew registered users to 7.4 million and now sells itself as a multi-asset platform with fee-free savings plans on stocks and ETFs. Customers who joined for crypto are the easiest audience for an ETF plan.

    High impactMedium effort First result in 1 quarter CRM Lead

    First action

    Count crypto-only customers with monthly deposits.

    How to measure it

    Multi-asset customers

    Now
    –
    Target
    +15%
    By
    2 quarters

    Steps

    1. 1

      Build the audience

      Crypto-only, regular depositors.

      Business Intelligence Analyst 1 week

    2. 2

      Design the picker

      Three questions, three ETFs.

      Senior Product Designer, Securities 2 weeks

    3. 3

      Write the journey

      Emails and in-app cards.

      Senior Copywriter (German) 2 weeks

    4. 4

      Compliance review

      No advice, clear risks.

      Compliance 1 week

    5. 5

      Launch in waves

      DACH first.

      CRM Lead 1 month

    6. 6

      Measure

      Retention vs control.

      Manager, Growth Analytics monthly

    First result
    1 quarter
    Cost
    CRM time
    Owner
    CRM Lead

    Smallest test

    Send the journey to 10,000 customers with a holdout.

    Why it works

    Find crypto-only customers with regular deposits and offer a guided ETF savings plan: a short explainer, a three-question picker (world, US, Europe), and a reminder after the first execution. Measure retention against crypto-only customers.

    A recurring plan creates a monthly reason to open the app and lowers churn when crypto prices fall.

    Risks and how to handle them

    • Looks like investment advice

      Show options by index, not recommendations.

    Evidence

    • News coverageBitpanda reported 2025 adjusted revenue of €371 million (+16%) and adjusted EBITDA of €13 million (down from €52 million) after deliberate investment in growth; registered users grew 25% to 7.4 million. Coverage in January 2026 said Bitpanda was preparing a possible Frankfurt listing and no longer wants to be seen as crypto-only.Source
    • Your websitellms.txt: "3,000+ digital and traditional assets" for "7M+ users across all 27 EU countries", regulated under MiCAR, MiFID II and PSD2; stocks and ETFs come with "automatic tax withholding in Austria and Germany"; products include Fusion (700+ trading pairs), Savings Plan ("fee free plans for stocks and ETFs"), Cash Plus, Bitpanda Card, Bitpanda Club (VIP tiers), Earn, Margin Trading and the Vision (VSN) Web3 ecosystem.Source
    • Your websiteStocks & ETFs page: "10,000+ Stocks & ETFs", "€1 flat fee per trade", "Fully automated tax handling.", savings plans "for more than 7,500 stocks and 2,500 ETFs", with "over 530 iShares ETFs", "over 300 Amundi ETFs" and "more than 270 ETFs" from Xtrackers by DWS. The homepage says "Invest and trade 650+ cryptos, 10,000+ real stocks, ETFs and metals."Source
  • 09

    The new German copywriter will own the voice for the "primary DACH audience". The Academy has about 247 English articles, many of them crypto forecasts, while DACH searches centre on ETF savings plans, the MSCI World and taxes.

    High impactMedium effort First result in 1 quarter Senior Copywriter

    First action

    List the top 30 German ETF questions from search data.

    How to measure it

    Sessions to German ETF guides

    Now
    –
    Target
    100,000 a month
    By
    3 quarters

    Steps

    1. 1

      Research topics

      Top questions by volume.

      SEO Lead 1 week

    2. 2

      Plan the series

      30 guides and 3 calculators.

      Senior Copywriter (German) 1 week

    3. 3

      Write

      Four guides a month.

      Senior Copywriter (German) monthly

    4. 4

      Compliance review

      Every guide.

      Compliance ongoing

    5. 5

      Link to pages

      ETF pages and savings plan.

      SEO Lead ongoing

    6. 6

      Measure

      Sessions and sign-ups.

      Manager, Growth Analytics monthly

    First result
    1 quarter
    Cost
    Writing time
    Owner
    Senior Copywriter (German)

    Smallest test

    Publish one MSCI World savings-plan guide.

    Why it works

    Publish a DACH content series: ETF savings-plan guides, comparisons of popular indices, tax handling in Austria and Germany (Bitpanda already withholds tax automatically), and calculators. Link each guide to the new ETF pages.

    Content that answers savers' questions in German builds trust before the first deposit and feeds search and AI answers.

    Risks and how to handle them

    • Tax content goes out of date

      Date each guide and review yearly.

    Evidence

    • HiringSenior Copywriter (German), Global Creative Studio (posted September 21, 2026): leads "copy strategy and conceptual execution across all channels for our primary DACH audience", from campaign hooks and video scripts "to OOH, landing pages, and performance ads", and must "demystify crypto, stocks, ETFs, and digital assets into engaging, accessible, and compliant copy".Source
    • Your websiteSports partnership pages for the NFL, FC Bayern Munich, AC Milan, Arsenal FC, FC Basel, the ATP Tour and the Hahnenkamm races; the Academy has about 247 English articles, many of them crypto "forecast" pages; the YouTube channel has about 8,700 subscribers and 156 videos.Source
    • Your websiteStocks & ETFs page: "10,000+ Stocks & ETFs", "€1 flat fee per trade", "Fully automated tax handling.", savings plans "for more than 7,500 stocks and 2,500 ETFs", with "over 530 iShares ETFs", "over 300 Amundi ETFs" and "more than 270 ETFs" from Xtrackers by DWS. The homepage says "Invest and trade 650+ cryptos, 10,000+ real stocks, ETFs and metals."Source
    • Your websitellms.txt: "3,000+ digital and traditional assets" for "7M+ users across all 27 EU countries", regulated under MiCAR, MiFID II and PSD2; stocks and ETFs come with "automatic tax withholding in Austria and Germany"; products include Fusion (700+ trading pairs), Savings Plan ("fee free plans for stocks and ETFs"), Cash Plus, Bitpanda Card, Bitpanda Club (VIP tiers), Earn, Margin Trading and the Vision (VSN) Web3 ecosystem.Source
  • 10

    The Securities PM must make complex products "high-converting retail experiences", and savings plans are fee-free on stocks and ETFs. A visitor deciding on €50 a month wants to see what it could look like and start immediately.

    High impactMedium effort First result in 1 quarter Product Manager

    First action

    Prototype the calculator on the MSCI World page.

    How to measure it

    Web-to-plan conversion

    Now
    –
    Target
    +20%
    By
    2 quarters

    Steps

    1. 1

      Design

      Inputs, ranges, risk text.

      Senior Product Designer, Securities 2 weeks

    2. 2

      Compliance

      Past-performance wording.

      Compliance 1 week

    3. 3

      Deep link

      App opens with plan filled in.

      Web Engineering Lead 2 weeks

    4. 4

      Build

      On top ETF pages.

      Web Engineering Lead 2 weeks

    5. 5

      A/B test

      Against plain pages.

      Manager, Growth Analytics 1 month

    6. 6

      Roll out

      All ETF pages.

      Product Manager, Securities & Commodities 1 month

    First result
    1 quarter
    Cost
    Engineering time
    Owner
    Product Manager, Securities & Commodities

    Smallest test

    Put a static example table on one page.

    Why it works

    Add a calculator (monthly amount, years, historical index return range) with clear risk text and a "Start this plan" button that opens the app with the ETF and amount filled in.

    Showing the plan in the visitor's own numbers turns browsing into a first plan, and deep links keep the choice through sign-up.

    Risks and how to handle them

    • Implied promises of returns

      Show ranges and losses, never one number.

    Evidence

    • HiringProduct Manager, Securities & Commodities (posted August 18, 2026) owns flows such as "equity trading interfaces, margin trading touchpoints, or RWA execution steps" and must turn complex concepts "into transparent, high-converting retail experiences"; two Senior Product Designer, Securities roles (Vienna and Barcelona) are also open.Source
    • Your websiteStocks & ETFs page: "10,000+ Stocks & ETFs", "€1 flat fee per trade", "Fully automated tax handling.", savings plans "for more than 7,500 stocks and 2,500 ETFs", with "over 530 iShares ETFs", "over 300 Amundi ETFs" and "more than 270 ETFs" from Xtrackers by DWS. The homepage says "Invest and trade 650+ cryptos, 10,000+ real stocks, ETFs and metals."Source
    • Your websiteBlackRock partner page: lists "Our customers' favourite iShares ETFs" (iShares Core MSCI World, Core S&P 500, Core MSCI EM IMI, MSCI ACWI, NASDAQ 100, Core EURO STOXX 50), based on "the aggregate number of Bitpanda customers with active investments", but none of them links to its own page; Amundi and DWS have partner pages too.Source
  • 11

    The Fusion GM is measured on trading volume, active users and lifetime value, and Fusion offers 700+ pairs with tiered fees. Active broker customers often do not realise how much they would save.

    High impactHigh effort First result in 2 quarters General Manager Advanced Trad…

    First action

    Calculate the saving for the top 1,000 broker traders.

    How to measure it

    Monthly active Fusion traders

    Now
    –
    Target
    +25%
    By
    2 quarters

    Steps

    1. 1

      Set threshold

      Trades per month.

      General Manager Advanced Trading (Fusion) 1 week

    2. 2

      Build the preview

      Last 30 days on Fusion fees.

      Senior Product Manager, Crypto 1 month

    3. 3

      Guided tour

      First Fusion order.

      Senior Product Designer, Securities 2 weeks

    4. 4

      Launch

      Top traders first.

      CRM Lead 2 weeks

    5. 5

      Measure

      Volume and retention.

      Manager, Growth Analytics monthly

    6. 6

      Iterate

      Thresholds and copy.

      General Manager Advanced Trading (Fusion) monthly

    First result
    2 quarters
    Cost
    Product time
    Owner
    General Manager Advanced Trading (Fusion)

    Smallest test

    Email the saving to 500 traders.

    Why it works

    In the app, show customers above a monthly trade threshold what their last 30 days would have cost on Fusion, with one tap to switch and a short guided tour. Track volume and retention of movers.

    A personal saving is more convincing than a fee table, and moving heavy traders to Fusion keeps them from leaving for exchanges.

    Risks and how to handle them

    • Revenue cannibalisation

      Model net revenue before rolling out.

    Evidence

    • HiringGeneral Manager Advanced Trading (Fusion): owns "commercial growth" of the advanced trading platform across crypto, equities, commodities and derivatives; the North Star is "sustainable trading activity, deep customer engagement, and trading-related revenue growth", measured on "trading volume, active user growth, retention, and lifetime value".Source
    • Your websitellms.txt: "3,000+ digital and traditional assets" for "7M+ users across all 27 EU countries", regulated under MiCAR, MiFID II and PSD2; stocks and ETFs come with "automatic tax withholding in Austria and Germany"; products include Fusion (700+ trading pairs), Savings Plan ("fee free plans for stocks and ETFs"), Cash Plus, Bitpanda Card, Bitpanda Club (VIP tiers), Earn, Margin Trading and the Vision (VSN) Web3 ecosystem.Source
    • Your website"Switch to Bitpanda" pages exist only for crypto exchanges (Binance, Bitget, HTX, BingX, MEXC under /move-crypto/), and the footer's "Buy" links are all crypto (Bitcoin, Ethereum, XRP, Dogecoin, Cardano); there is no switching page for people moving a securities account from another broker.Source
  • 12

    The Crypto PM must "define tracking events and success metrics for every feature", and growth analytics is setting cohort definitions. A shared onboarding funnel shows where new customers stop: verification, first deposit, first trade or second product.

    Medium impactMedium effort First result in 1 quarter Senior Product Manager

    First action

    Map today's events from sign-up to first trade.

    How to measure it

    First-deposit rate within 30 days

    Now
    –
    Target
    +10%
    By
    2 quarters

    Steps

    1. 1

      Define events

      One set for all products.

      Senior Product Manager, Crypto 2 weeks

    2. 2

      Build the funnel

      By country and channel.

      Business Intelligence Analyst 2 weeks

    3. 3

      Find the drop

      Biggest loss step.

      Manager, Growth Analytics 1 week

    4. 4

      Test a fix

      One per month.

      Senior Product Manager, Crypto monthly

    5. 5

      Share

      Weekly funnel review.

      Manager, Growth Analytics weekly

    6. 6

      Repeat

      Next drop.

      Senior Product Manager, Crypto monthly

    First result
    1 quarter
    Cost
    Product time
    Owner
    Senior Product Manager, Crypto

    Smallest test

    Measure verification-to-deposit for one country.

    Why it works

    Define one event set for the first 30 days, show the funnel by country and channel, and fix the biggest drop with a test each month (for example a reminder after verification or a smaller first deposit suggestion).

    Most growth is lost between sign-up and first deposit, and one shared funnel stops each team from optimising in isolation.

    Risks and how to handle them

    • Tracking consent gaps

      Model aggregate rates where consent is missing.

    Evidence

    • HiringSenior Product Manager, Crypto (posted October 1, 2026): owns trading, staking and on-chain deposits and withdrawals, runs discovery "with users and data before committing engineering effort" and must "define tracking events and success metrics for every feature".Source
    • HiringManager, Growth Analytics (Vienna and Bucharest, posted September 25, 2026): "build the core decision engine for our redesigned Growth organization", set "trusted, company-wide definitions for CAC, payback, LTV, cohort performance, and incrementality", lead forecasting and "elevate the quality of our experimentation".Source
    • HiringBusiness Intelligence Analyst (posted October 9, 2026) for a "self service BI visualisation platform" and the core dbt data model, plus a Business Intelligence intern; every post describes the goal of "being Europe's future #1 investment platform".Source
  • 13

    Bitpanda lists over 530 iShares, 300 Amundi and 270 Xtrackers ETFs and has partner pages for all three. Issuers run their own campaigns to retail investors and want platforms that convert.

    High impactMedium effort First result in 2 quarters Partnerships Lead

    First action

    Propose one joint campaign to each issuer.

    How to measure it

    Issuer-campaign plans

    Now
    –
    Target
    10,000
    By
    2 quarters

    Steps

    1. 1

      Pick products

      Customer favourites per issuer.

      Partnerships Lead 1 week

    2. 2

      Pitch

      Joint offer and reporting.

      Partnerships Lead 1 month

    3. 3

      Build pages

      Co-branded ETF pages.

      Web Engineering Lead 2 weeks

    4. 4

      Compliance

      Joint material.

      Compliance 2 weeks

    5. 5

      Launch

      DACH first.

      Chief Marketing Officer 1 month

    6. 6

      Report

      Plans started per issuer.

      Manager, Growth Analytics monthly

    First result
    2 quarters
    Cost
    Partner time
    Owner
    Partnerships Lead

    Smallest test

    Run one iShares savings-plan campaign.

    Why it works

    Agree joint campaigns with each issuer: co-branded savings-plan offers, issuer-supplied explainers on the new ETF pages, and shared reporting on plans started. Start with the products customers already favour.

    Issuer budgets and credibility lower Bitpanda's cost per savings plan, and the pages give the issuers measurable results.

    Risks and how to handle them

    • Issuer exclusivity requests

      Keep campaigns product-specific.

    Evidence

    • Your websiteStocks & ETFs page: "10,000+ Stocks & ETFs", "€1 flat fee per trade", "Fully automated tax handling.", savings plans "for more than 7,500 stocks and 2,500 ETFs", with "over 530 iShares ETFs", "over 300 Amundi ETFs" and "more than 270 ETFs" from Xtrackers by DWS. The homepage says "Invest and trade 650+ cryptos, 10,000+ real stocks, ETFs and metals."Source
    • Your websiteBlackRock partner page: lists "Our customers' favourite iShares ETFs" (iShares Core MSCI World, Core S&P 500, Core MSCI EM IMI, MSCI ACWI, NASDAQ 100, Core EURO STOXX 50), based on "the aggregate number of Bitpanda customers with active investments", but none of them links to its own page; Amundi and DWS have partner pages too.Source
    • Competitor researchRivals' own homepages: Trade Republic, "Invest, spend and bank", "Earn 2.5 % p.a. on your cash", invest "with just 1 €" and "1 % Saveback"; Scalable Capital, "Interest, trading flatrate, invest in stocks, ETFs, funds, crypto & more from €1". Both sell ETF savings plans to the same DACH savers.Source
  • 14

    Bitpanda sponsors the NFL, FC Bayern Munich, AC Milan, Arsenal, FC Basel, the ATP Tour and the Hahnenkamm races. Growth analytics will need to show which of them pay back.

    High impactMedium effort First result in 2 quarters Chief Marketing Officer

    First action

    Add a tracked fan page for one club.

    How to measure it

    Tracked sponsorship sign-ups

    Now
    –
    Target
    5,000 a quarter
    By
    2 quarters

    Steps

    1. 1

      List partners

      Rights and markets.

      Partnerships Lead 1 week

    2. 2

      Build pages

      One per partner.

      Web Engineering Lead 1 month

    3. 3

      Create offers

      Tracked codes per partner.

      CRM Lead 2 weeks

    4. 4

      Match-day pushes

      Local language.

      Senior Copywriter (German) ongoing

    5. 5

      Geo tests

      Incremental lift.

      Manager, Growth Analytics 1 quarter

    6. 6

      Decide renewals

      With payback data.

      Chief Marketing Officer yearly

    First result
    2 quarters
    Cost
    Campaign budget
    Owner
    Chief Marketing Officer

    Smallest test

    Launch one FC Bayern fan page.

    Why it works

    Give each partnership a fan landing page in the local language, a tracked offer (for example a first savings plan or crypto bonus) and match-day pushes; then run geo tests to read incremental sign-ups per sponsorship.

    Sponsorships are large budgets with weak attribution; offers and geo tests turn them into a channel that can be compared with paid media.

    Risks and how to handle them

    • Club rules on offers

      Check each contract before launch.

    Evidence

    • Your websiteSports partnership pages for the NFL, FC Bayern Munich, AC Milan, Arsenal FC, FC Basel, the ATP Tour and the Hahnenkamm races; the Academy has about 247 English articles, many of them crypto "forecast" pages; the YouTube channel has about 8,700 subscribers and 156 videos.Source
    • HiringManager, Growth Analytics (Vienna and Bucharest, posted September 25, 2026): "build the core decision engine for our redesigned Growth organization", set "trusted, company-wide definitions for CAC, payback, LTV, cohort performance, and incrementality", lead forecasting and "elevate the quality of our experimentation".Source
    • News coverageBitpanda reported 2025 adjusted revenue of €371 million (+16%) and adjusted EBITDA of €13 million (down from €52 million) after deliberate investment in growth; registered users grew 25% to 7.4 million. Coverage in January 2026 said Bitpanda was preparing a possible Frankfurt listing and no longer wants to be seen as crypto-only.Source
  • 15

    Bitpanda Club offers success managers, priority support, events and reduced fees to high-volume customers. Customers close to a tier rarely know what they need to reach it.

    Medium impactMedium effort First result in 1 quarter Customer Support Lead

    First action

    Count customers within 20% of a tier.

    How to measure it

    New Club members

    Now
    –
    Target
    +20%
    By
    2 quarters

    Steps

    1. 1

      Size the group

      Near-tier customers.

      Business Intelligence Analyst 1 week

    2. 2

      Build progress bar

      In the app.

      Web Engineering Lead 1 month

    3. 3

      Monthly note

      Near-tier customers.

      CRM Lead monthly

    4. 4

      Preview event

      Invite 200.

      Customer Support Lead 1 quarter

    5. 5

      Measure

      Tier upgrades and assets.

      Manager, Growth Analytics monthly

    6. 6

      Adjust

      Benefits that move people.

      Customer Support Lead quarterly

    First result
    1 quarter
    Cost
    Event costs
    Owner
    Customer Support Lead

    Smallest test

    Email 500 near-tier customers.

    Why it works

    Show progress to the next Club tier in the app, send a monthly note to customers within reach, and invite them to one Club event as a preview.

    Visible progress motivates the most valuable customers to consolidate assets on Bitpanda.

    Risks and how to handle them

    • Encourages over-trading

      Count assets held, not only volume.

    Evidence

    • Your websitellms.txt: "3,000+ digital and traditional assets" for "7M+ users across all 27 EU countries", regulated under MiCAR, MiFID II and PSD2; stocks and ETFs come with "automatic tax withholding in Austria and Germany"; products include Fusion (700+ trading pairs), Savings Plan ("fee free plans for stocks and ETFs"), Cash Plus, Bitpanda Card, Bitpanda Club (VIP tiers), Earn, Margin Trading and the Vision (VSN) Web3 ecosystem.Source
    • HiringGeneral Manager Advanced Trading (Fusion): owns "commercial growth" of the advanced trading platform across crypto, equities, commodities and derivatives; the North Star is "sustainable trading activity, deep customer engagement, and trading-related revenue growth", measured on "trading volume, active user growth, retention, and lifetime value".Source

Big bets 3

Larger plays that can change the trajectory.

  • 16

    Bitpanda wants to become "Europe's future #1 investment platform" and already has fee-free savings plans and automatic tax handling in Austria and Germany. Rivals compete for long-term savers with interest and savings features.

    High impactHigh effort First result in 3 quarters Product Manager

    First action

    Interview 30 savings-plan customers about goals.

    How to measure it

    Long-term plan assets

    Now
    –
    Target
    €500 million
    By
    4 quarters

    Steps

    1. 1

      Research

      Customer interviews.

      Senior Product Designer, Securities 1 month

    2. 2

      Design

      Goals, mixes and reviews.

      Product Manager, Securities & Commodities 1 quarter

    3. 3

      Regulatory check

      Product rules per country.

      Compliance 1 quarter

    4. 4

      Build

      App flows.

      Web Engineering Lead 2 quarters

    5. 5

      Launch

      Austria and Germany.

      Chief Marketing Officer 1 month

    6. 6

      Measure

      Deposits and churn.

      Manager, Growth Analytics monthly

    First result
    3 quarters
    Cost
    Product team
    Owner
    Product Manager, Securities & Commodities

    Smallest test

    Add a "goal" label to existing savings plans.

    Why it works

    Design a long-term product: a goal (retirement, a child), an ETF mix, automatic monthly plans, yearly reviews and statements; launch in Austria and Germany first.

    Long-term savers bring steady deposits and low churn, which balance revenue that rises and falls with crypto markets.

    Risks and how to handle them

    • Regulatory complexity

      Start with goals on top of existing plans.

    Evidence

    • HiringBusiness Intelligence Analyst (posted October 9, 2026) for a "self service BI visualisation platform" and the core dbt data model, plus a Business Intelligence intern; every post describes the goal of "being Europe's future #1 investment platform".Source
    • Competitor researchRivals' own homepages: Trade Republic, "Invest, spend and bank", "Earn 2.5 % p.a. on your cash", invest "with just 1 €" and "1 % Saveback"; Scalable Capital, "Interest, trading flatrate, invest in stocks, ETFs, funds, crypto & more from €1". Both sell ETF savings plans to the same DACH savers.Source
    • Your websiteStocks & ETFs page: "10,000+ Stocks & ETFs", "€1 flat fee per trade", "Fully automated tax handling.", savings plans "for more than 7,500 stocks and 2,500 ETFs", with "over 530 iShares ETFs", "over 300 Amundi ETFs" and "more than 270 ETFs" from Xtrackers by DWS. The homepage says "Invest and trade 650+ cryptos, 10,000+ real stocks, ETFs and metals."Source
    • News coverageBitpanda reported 2025 adjusted revenue of €371 million (+16%) and adjusted EBITDA of €13 million (down from €52 million) after deliberate investment in growth; registered users grew 25% to 7.4 million. Coverage in January 2026 said Bitpanda was preparing a possible Frankfurt listing and no longer wants to be seen as crypto-only.Source
  • 17

    Bitpanda serves 7M+ users in all 27 EU countries across crypto, stocks, ETFs and metals, and already publishes customer favourites on its partner pages. Few platforms can show how Europeans invest across asset classes.

    High impactMedium effort First result in 3 quarters Business Intelligence Analyst

    First action

    Pick ten questions journalists ask.

    How to measure it

    Press mentions per report

    Now
    –
    Target
    200
    By
    1 year

    Steps

    1. 1

      Pick questions

      Ten topics.

      Chief Marketing Officer 1 week

    2. 2

      Analyse

      Aggregated data.

      Business Intelligence Analyst 1 month

    3. 3

      Privacy review

      No small groups.

      Compliance 2 weeks

    4. 4

      Write

      Report and country summaries.

      Senior Copywriter (German) 1 month

    5. 5

      Launch

      Press in each market.

      Chief Marketing Officer 1 month

    6. 6

      Repeat

      Every six months.

      Business Intelligence Analyst 6 months

    First result
    3 quarters
    Cost
    Analyst time
    Owner
    Business Intelligence Analyst

    Smallest test

    Publish one chart on savings-plan amounts by country.

    Why it works

    Publish aggregated trends: savings-plan amounts by country, ETF favourites, crypto vs ETF mixes by age, and how customers behave in falling markets. Launch with press and local-language summaries.

    Original data earns coverage and links in every market and makes Bitpanda the source on European retail investing.

    Risks and how to handle them

    • Data privacy

      Aggregate and suppress small groups.

    Evidence

    • Your websitellms.txt: "3,000+ digital and traditional assets" for "7M+ users across all 27 EU countries", regulated under MiCAR, MiFID II and PSD2; stocks and ETFs come with "automatic tax withholding in Austria and Germany"; products include Fusion (700+ trading pairs), Savings Plan ("fee free plans for stocks and ETFs"), Cash Plus, Bitpanda Card, Bitpanda Club (VIP tiers), Earn, Margin Trading and the Vision (VSN) Web3 ecosystem.Source
    • Your websiteBlackRock partner page: lists "Our customers' favourite iShares ETFs" (iShares Core MSCI World, Core S&P 500, Core MSCI EM IMI, MSCI ACWI, NASDAQ 100, Core EURO STOXX 50), based on "the aggregate number of Bitpanda customers with active investments", but none of them links to its own page; Amundi and DWS have partner pages too.Source
    • HiringBusiness Intelligence Analyst (posted October 9, 2026) for a "self service BI visualisation platform" and the core dbt data model, plus a Business Intelligence intern; every post describes the goal of "being Europe's future #1 investment platform".Source
  • 18

    The Growth Analytics manager is asked to make "economically grounded capital-allocation choices" with incrementality, and margin fell after growth spending. Many channels look better in attribution than they are.

    High impactHigh effort First result in 3 quarters Manager

    First action

    Choose two comparable regions for the first holdout.

    How to measure it

    Incremental sign-ups per €

    Now
    –
    Target
    +15%
    By
    3 quarters

    Steps

    1. 1

      Design tests

      Regions and channels.

      Manager, Growth Analytics 1 month

    2. 2

      Run first test

      Paid social.

      Manager, Growth Analytics 1 quarter

    3. 3

      Publish lift

      Internal report.

      Manager, Growth Analytics 1 month

    4. 4

      Shift budget

      To best channels.

      Chief Marketing Officer quarterly

    5. 5

      Repeat

      Next channel.

      Manager, Growth Analytics quarterly

    6. 6

      Automate

      Dashboards.

      Business Intelligence Analyst 2 quarters

    First result
    3 quarters
    Cost
    Lost sign-ups in holdout regions
    Owner
    Manager, Growth Analytics

    Smallest test

    Pause one channel in one region for four weeks.

    Why it works

    Run rotating geo holdouts for paid search, paid social, affiliates and TV/OOH in comparable regions, publish lift per channel, and move a fixed share of budget each quarter to the best measured channels.

    Measured lift is the only way to cut spend safely, and the savings can fund new markets.

    Risks and how to handle them

    • Holdouts cost growth short term

      Keep them small and rotating.

    Evidence

    • HiringManager, Growth Analytics (Vienna and Bucharest, posted September 25, 2026): "build the core decision engine for our redesigned Growth organization", set "trusted, company-wide definitions for CAC, payback, LTV, cohort performance, and incrementality", lead forecasting and "elevate the quality of our experimentation".Source
    • News coverageBitpanda reported 2025 adjusted revenue of €371 million (+16%) and adjusted EBITDA of €13 million (down from €52 million) after deliberate investment in growth; registered users grew 25% to 7.4 million. Coverage in January 2026 said Bitpanda was preparing a possible Frankfurt listing and no longer wants to be seen as crypto-only.Source
    • Your websiteSports partnership pages for the NFL, FC Bayern Munich, AC Milan, Arsenal FC, FC Basel, the ATP Tour and the Hahnenkamm races; the Academy has about 247 English articles, many of them crypto "forecast" pages; the YouTube channel has about 8,700 subscribers and 156 videos.Source

Wildcards 3

Unexpected experiments, each with a cheap way to test it.

  • 19

    Bitpanda runs two MCP servers and invites customers to connect Claude, ChatGPT and other assistants. Most customers will not know what to ask.

    Medium impactLow effort First result in 1 quarter Senior Product Manager

    First action

    Write and test five prompts.

    How to measure it

    Monthly MCP-connected customers

    Now
    –
    Target
    +50%
    By
    2 quarters

    Steps

    1. 1

      Write prompts

      Ten read-only uses.

      Senior Product Manager, Crypto 1 week

    2. 2

      Test

      Across assistants.

      Senior Product Manager, Crypto 1 week

    3. 3

      Publish

      Page and app.

      Senior Copywriter (German) 1 week

    4. 4

      Videos

      Short demos on YouTube.

      Senior Copywriter (German) 2 weeks

    5. 5

      Measure

      Connections and retention.

      Manager, Growth Analytics monthly

    6. 6

      Add more

      From customer requests.

      Senior Product Manager, Crypto monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Senior Product Manager, Crypto

    Smallest test

    Publish three prompts on the page.

    Why it works

    Publish ten tested prompts (portfolio summary, savings-plan review, price alerts, tax-year overview) on the AI assistants page and in the app, all read-only by default, with short videos.

    Concrete examples turn a technical feature into a reason to talk about Bitpanda and a retention habit.

    Risks and how to handle them

    • Customers trading by mistake

      Keep prompts read-only and say so.

    Evidence

    • Your websiterobots.txt sets "Content-Signal: ai-train=yes, search=yes, ai-input=no" for the whole site and allows ai-input only for /llms.txt, /skill.md, /auth.md and /.well-known/. Bitpanda also publishes an llms.txt product map, a skill.md for its two MCP servers and an "Invest with AI Assistants" page ("Connect Claude, ChatGPT or other AI assistants to your Bitpanda account").Source
    • HiringSenior Product Manager, Crypto (posted October 1, 2026): owns trading, staking and on-chain deposits and withdrawals, runs discovery "with users and data before committing engineering effort" and must "define tracking events and success metrics for every feature".Source
    • Your websiteSports partnership pages for the NFL, FC Bayern Munich, AC Milan, Arsenal FC, FC Basel, the ATP Tour and the Hahnenkamm races; the Academy has about 247 English articles, many of them crypto "forecast" pages; the YouTube channel has about 8,700 subscribers and 156 videos.Source
  • 20

    Crypto activity rises and falls with prices, while savings plans keep running. Customers who see their plan steady in a falling market are less likely to leave.

    Medium impactLow effort First result in 1 quarter CRM Lead

    First action

    Define the market trigger and the message.

    How to measure it

    30-day churn after a drop

    Now
    –
    Target
    -10%
    By
    2 quarters

    Steps

    1. 1

      Define trigger

      Size of the drop.

      Manager, Growth Analytics 1 week

    2. 2

      Write message

      Calm and compliant.

      Senior Copywriter (German) 1 week

    3. 3

      Compliance

      Review.

      Compliance 1 week

    4. 4

      Automate

      CRM trigger.

      CRM Lead 2 weeks

    5. 5

      Measure

      Churn vs control.

      Manager, Growth Analytics monthly

    6. 6

      Adjust

      Wording and timing.

      CRM Lead quarterly

    First result
    1 quarter
    Cost
    CRM time
    Owner
    CRM Lead

    Smallest test

    Draft the message and get compliance approval.

    Why it works

    When crypto falls sharply, send customers with active savings plans a short note on how their plan has run, with risk text, and offer to review the amount.

    A calm message at the right time builds trust and shows the value of a multi-asset account.

    Risks and how to handle them

    • Looks like advice

      Describe the plan, do not recommend actions.

    Evidence

    • News coverageBitpanda reported 2025 adjusted revenue of €371 million (+16%) and adjusted EBITDA of €13 million (down from €52 million) after deliberate investment in growth; registered users grew 25% to 7.4 million. Coverage in January 2026 said Bitpanda was preparing a possible Frankfurt listing and no longer wants to be seen as crypto-only.Source
    • Your websiteStocks & ETFs page: "10,000+ Stocks & ETFs", "€1 flat fee per trade", "Fully automated tax handling.", savings plans "for more than 7,500 stocks and 2,500 ETFs", with "over 530 iShares ETFs", "over 300 Amundi ETFs" and "more than 270 ETFs" from Xtrackers by DWS. The homepage says "Invest and trade 650+ cryptos, 10,000+ real stocks, ETFs and metals."Source
  • 21

    The creative studio produces video scripts and performance ads, and the YouTube channel has about 8,700 subscribers. Short explainers can feed both organic and paid.

    Medium impactLow effort First result in 1 quarter Senior Copywriter

    First action

    Script the first MSCI World video.

    How to measure it

    Video-sourced page visits

    Now
    –
    Target
    20,000 a month
    By
    2 quarters

    Steps

    1. 1

      Pick assets

      Top ten.

      Senior Copywriter (German) 1 week

    2. 2

      Script

      German and English.

      Senior Copywriter (German) weekly

    3. 3

      Produce

      Studio team.

      Chief Marketing Officer weekly

    4. 4

      Compliance

      Risk text.

      Compliance weekly

    5. 5

      Publish

      Shorts, Reels, TikTok.

      Senior Copywriter (German) weekly

    6. 6

      Reuse winners

      As ads.

      Chief Marketing Officer monthly

    First result
    1 quarter
    Cost
    Production time
    Owner
    Senior Copywriter (German)

    Smallest test

    Make one video and post it.

    Why it works

    Make a weekly 60-second video per popular ETF or stock (what it holds, costs, how to start a plan) in German and English, linked to the new pages, and reuse the best ones as ads.

    Short video is how younger investors discover products, and each video drives traffic to a page that converts.

    Risks and how to handle them

    • Compliance slows output

      Approve a script template once.

    Evidence

    • HiringSenior Copywriter (German), Global Creative Studio (posted September 21, 2026): leads "copy strategy and conceptual execution across all channels for our primary DACH audience", from campaign hooks and video scripts "to OOH, landing pages, and performance ads", and must "demystify crypto, stocks, ETFs, and digital assets into engaging, accessible, and compliant copy".Source
    • Your websiteSports partnership pages for the NFL, FC Bayern Munich, AC Milan, Arsenal FC, FC Basel, the ATP Tour and the Hahnenkamm races; the Academy has about 247 English articles, many of them crypto "forecast" pages; the YouTube channel has about 8,700 subscribers and 156 videos.Source
    • Your websiteBlackRock partner page: lists "Our customers' favourite iShares ETFs" (iShares Core MSCI World, Core S&P 500, Core MSCI EM IMI, MSCI ACWI, NASDAQ 100, Core EURO STOXX 50), based on "the aggregate number of Bitpanda customers with active investments", but none of them links to its own page; Amundi and DWS have partner pages too.Source

03

How Programmable can help

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See every playbook and website review

Independent research. Programmable wrote this playbook from public sources, as they stood on October 22, 2026, and cites them throughout. Bitpanda did not commission, review or endorse it, and Programmable is not affiliated with Bitpanda. Company and product names are trademarks of their owners, used only to identify them. The ideas are suggestions and opinion, not professional, legal or financial advice, and not statements about how Bitpanda runs its business.

Something wrong, or do you represent Bitpanda? Email [email protected] and we will correct it or take it down.

30/60/90 roadmap

What to focus on in each month, and the ideas that carry it.

  1. Days 1 to 306 ideas

    Stock and ETF pages, sitemap fixes, the AI-assistant signal, securities referrals, the switching page and responsiveness.

  2. Days 31 to 6012 ideas

    Customer-value model, second-product journeys, DACH content, calculators, Fusion moves, onboarding funnel, issuer co-marketing, sponsorship measurement and Club; prompt pack, market-drop note and short videos.

  3. Days 61 to 903 ideas

    Commit to the long-term account, the "How Europe invests" report and incrementality-led budgets.

The research behind the plan

3 research areas, each summarised in a few lines. Open any of them for the full detail.

Customers

What customers say

Customers value crypto, stocks, ETFs and metals in one app. The most cited problem: hard to compare costs across assets.

  • Small amounts from €1 and fee-free savings plans
  • Crypto volatility
  • In their words: “Sparplan”

Market

Competitive landscape

4 competitors compared: Trade Republic, Scalable Capital, eToro and Coinbase.

  • Gap to exploit: One European app that does crypto and ETF savings plans equally well
  • Trade Republic: Fewer crypto assets and advanced trading tools
  • Scalable Capital: Smaller crypto offering

Hiring signals

Bitpanda is rebuilding growth around measured economics and the securities business.

  • Manager, Growth Analytics: CAC, LTV and incrementality for a redesigned growth team. Ideas 3, 7, 18.
  • Senior Copywriter (German): DACH voice for landing pages and performance ads. Ideas 1, 5, 9, 21.
  • Product Manager, Securities & Commodities: High-converting securities flows. Ideas 1, 10, 16.

From the team that wrote this playbook

All products
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  • ProgrammableCommunityForums with labelled AI members, never empty (opens programmable.community in a new tab)
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