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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 26, 2026
  1. Programmable
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  3. LemFi
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growth playbook · Oct 26, 2026

lemfi.com (opens in a new tab)

LemFi growth playbook

Diagnosis

LemFi has scale (over two million customers and $2 billion a month) and has just relaunched its app as a broader financial platform. Its hiring shows how it plans to grow: community-led growth managers for named corridors (France-Morocco, Pakistan, UK-Kenya, Italy-, Canada- and US-Nigeria, US-Ghana, LATAM), a senior performance marketer and CRM.

The pages those teams will send people to have problems: the French corridor headline says "send parcels", fees show in pounds on euro and dollar pages, US Spanish pages point search engines to Spain, new LATAM corridors have no page, and sitemaps list 404s.

This playbook fixes those first, then gives growth managers attribution, ambassadors, creators and language pages, and builds a launch kit for new corridors.

Growth Score

7/10

Biggest Opportunity

Make every corridor page as local as the growth managers: the right language, currency and payout facts, with tracked links for every community activity.

Biggest Risk

Remittance is crowded (Remitly, Taptap Send, Sendwave, WorldRemit) and trust-driven; localisation mistakes and inconsistent claims can undo community trust that growth managers build in person.

01

Start here

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

  1. 1

    Fix the French corridor pages before the France-Morocco push: the headline says "send parcels" and the fee shows pounds

    Rewrite the French headline and the "colis" line today and fix the fee currency.

    High impact First result in 2 weeks
  2. 2

    Give the LATAM launch its own pages: the US Spanish Mexico page points search engines to Spain, and Colombia and Guatemala have no page

    Change the es-US canonical and hreflang.

    High impact First result in 1 month
  3. 3

    Add share images to corridor pages, because growth managers will post them in WhatsApp groups

    Add an image to the Kenya page and test it in WhatsApp.

    Medium impact First result in 2 weeks

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 · 10Fill-ins · 5Reconsider · 4
Effort →

Showing 21 of 21 ideas

This week 6

Quick wins with a clear first action.

  • 01

    LemFi has just hired a Senior Growth Manager for France to Morocco, one of its "most critical markets", to bring the Moroccan diaspora in through events, influencers and agencies. The page that traffic lands on, /fr-fr/international-money-transfer/morocco, has the headline "Envoyez des colis à prix avantageux au Maroc", which means "send parcels at a good price to Morocco", and repeats "Envoyez des colis à moindre coût" in the body. Senegal has the same headline. Next to a euro calculator, the fee line reads "0,00 £". The search title is right ("Envoyer de l'argent au Maroc"), so the mistake only shows once someone clicks.

    High impactLow effort First result in 2 weeks Senior Growth Manager

    First action

    Rewrite the French headline and the "colis" line today and fix the fee currency.

    How to measure it

    Sign-ups per 100 visits to French corridor pages

    Now
    –
    Target
    +25%
    By
    60 days

    Steps

    1. 1

      Fix the headline

      "Envoyez de l'argent" in the French template.

      Web team 1 day

    2. 2

      Fix the fee currency

      Sender currency on every locale.

      Web team 2 days

    3. 3

      Native review

      All French corridor copy, against the English claims.

      Senior Growth Manager, France to Morocco 3 days

    4. 4

      Compliance check

      Rate and speed wording per locale.

      Compliance 2 days

    5. 5

      Add Morocco content

      How recipients receive money, ID needed, sender reviews.

      Senior Growth Manager, France to Morocco 1 week

    6. 6

      Review other locales

      Italian, Spanish and Portuguese templates.

      Senior CRM Executive 1 week

    First result
    2 weeks
    Cost
    $0
    Owner
    Senior Growth Manager, France to Morocco

    Smallest test

    Fix the Morocco page and compare its sign-up rate for two weeks.

    Why it works

    Have a native French speaker rewrite the French corridor template ("Envoyez de l'argent au Maroc..."), show the fee in the sender's currency on every locale, and bring the French claims in line with the approved English wording (the French "tarifs imbattables" says more than the English "great rates"). Then add Morocco-specific content the growth manager can stand behind: how recipients receive money in Morocco, what ID senders need, and real reviews from senders in France. Check the Italian, Spanish and Portuguese templates the same way.

    A visitor who has been told about LemFi at a community event and lands on a page about parcels will doubt the product; a correct page in good French turns event and influencer traffic into sign-ups, and the growth manager can measure true acquisition cost from it.

    Ready to use

    ChecklistCorridor page locale check

    [ ] Headline says send money (not parcels)
    [ ] Fee shown in the sender's currency
    [ ] Calculator defaults to the right pair
    [ ] Claims match the approved English list
    [ ] "Arrives" wording matches "most transfers land in minutes"
    [ ] Self-referencing canonical and correct hreflang
    [ ] Share image
    [ ] Native-speaker sign-off and date

    Risks and how to handle them

    • Fixing one template breaks another locale

      Check every locale after each change.

    • Stronger local claims than approved

      One approved claim list translated, not rewritten.

    Evidence

    • HiringSenior Growth Manager, France to Morocco (posted October 15, 2026): drives "LemFi's expansion within the Moroccan diaspora in one of our most critical markets", spends "3 to 5 days every few weeks in a new city" across France, manages "France/Morocco-focused influencers, community leaders, and external agencies" and must implement "tracking mechanisms for the exact customer acquisition cost of your activities".Source
    • Your websiteFrench corridor pages (checked October 23, 2026): the Morocco page's headline reads "Envoyez des colis à prix avantageux au Maroc" ("send parcels at a good price to Morocco"), and the body says "Envoyez des colis à moindre coût"; the Senegal page has the same "colis" headline. The page's title and description correctly say "Envoyer de l'argent au Maroc". The fee line shows "0,00 £" next to a euro calculator, and "Des tarifs imbattables. À chaque fois." is stronger than the English "Great rates. Every time."Source
    • Your websiteFee currency: the "Transfer fee" line shows pounds ("£0.00" or "0,00 £") on the US and Canada Nigeria pages, the Italy Nigeria page and the US Spanish Mexico page, while the calculator above it is in USD, CAD or EUR. Corridor pages also say "Arrives: In seconds" next to "Most transfers land in minutes".Source
    • HiringSenior CRM Executive (posted October 21, 2026): builds email, push, in-app and SMS campaigns "across remittance, credit, savings and whatever we launch next"; "a wrong rate, a broken link or the wrong segment lands in a customer's pocket"; must "QA every send before it goes: targeting, personalisation, links, localisation and compliance sign-off"; language skills in Italian, Portuguese, German, Mandarin, Wolof or Swahili are a plus.Source
  • 02

    The new LATAM lead is launching Colombia, Guatemala and Mexico, including the US-based corridors. But the US Spanish Mexico page names the Spain page as its canonical and lists only an es-ES alternate, the es-US sitemap is empty, the page HTML shows a USD-to-INR calculator, and the US Colombia and Guatemala URLs show a generic page that points to the hub.

    High impactMedium effort First result in 1 month Senior Growth Manager

    First action

    Change the es-US canonical and hreflang.

    How to measure it

    US Spanish page sign-ups

    Now
    –
    Target
    1,000 a month
    By
    1 quarter

    Steps

    1. 1

      Fix canonicals

      Self-referencing es-US.

      Web team 1 day

    2. 2

      Fill the sitemap

      All es-US pages.

      Web team 1 day

    3. 3

      Fix the calculator

      USD-MXN default.

      Web team 2 days

    4. 4

      Build two pages

      Colombia and Guatemala.

      Senior Growth Manager, LATAM 1 week

    5. 5

      Native review

      Spanish for US audiences.

      Senior Growth Manager, LATAM 3 days

    6. 6

      Point paid traffic

      Corridor-specific pages.

      Senior Performance Marketing Manager 1 week

    First result
    1 month
    Cost
    Staff time only
    Owner
    Senior Growth Manager, LATAM

    Smallest test

    Fix the Mexico page and watch Search Console for es-US.

    Why it works

    Make es-US pages self-canonical with hreflang es-US, fill the es-US sitemap, set the Mexico calculator to USD-MXN, and build real Colombia and Guatemala pages (Spanish and English) with the payout options LemFi offers there. Add them to the sitemap when each launches.

    US Spanish speakers sending to Mexico, Guatemala and Colombia search in Spanish; without these fixes the paid and organic launch lands on the wrong country or a generic page.

    Risks and how to handle them

    • Launch dates move

      Publish pages with a sign-up option before payouts open.

    Evidence

    • HiringSenior Growth Manager, LATAM (posted September 25, 2026), reporting to the Head of LATAM: "Having established payout operations in Brazil, LemFi is expanding aggressively across Latin America - launching and scaling in Colombia, Guatemala, and Mexico"; will "Build the market-entry playbook for each new LATAM country" and needs familiarity with "the US-based corridors".Source
    • Your websiteUS Spanish pages: /es-us/international-money-transfer/mexico has its canonical set to the Spain page (/es-es/...) and an hreflang only for es-es; the es-US homepage also canonicalises to es-es, and the es-US sitemap lists no URLs. In the page HTML the Mexico calculator converts USD to INR. /en-us/international-money-transfer/colombia and /guatemala return a generic "Send money abroad to 30+ countries" page whose canonical is the hub, and neither is in the sitemap.Source
    • Your websiteFee currency: the "Transfer fee" line shows pounds ("£0.00" or "0,00 £") on the US and Canada Nigeria pages, the Italy Nigeria page and the US Spanish Mexico page, while the calculator above it is in USD, CAD or EUR. Corridor pages also say "Arrives: In seconds" next to "Most transfers land in minutes".Source
    • HiringSenior Performance Marketing Manager (posted October 20, 2026): owns paid media "across Meta, Google, TikTok and programmatic", runs a test-and-learn programme across "audience segmentation, creative angles, bidding strategies and landing pages", aligns spend with "corridor expansions and seasonal remittance peaks", and works with "mobile measurement partners, attribution tooling and incrementality testing".Source
  • 03

    The UK-Kenya role is about seeding LemFi in "East African diaspora associations, WhatsApp groups, and community networks". None of the corridor pages sampled has a share image, so a link posted in a group shows a plain URL, while the homepages have one.

    Medium impactLow effort First result in 2 weeks Senior Growth Manager

    First action

    Add an image to the Kenya page and test it in WhatsApp.

    How to measure it

    Clicks per shared link

    Now
    –
    Target
    +30%
    By
    30 days

    Steps

    1. 1

      Design a template

      Per destination.

      VP, Design & Brand 2 days

    2. 2

      Add tags

      All corridor pages.

      Web team 1 day

    3. 3

      Localise titles

      Per locale.

      Senior CRM Executive 1 day

    4. 4

      Test previews

      WhatsApp, Telegram.

      Senior Growth Manager, UK to Kenya 1 hour

    5. 5

      Share tracked links

      Per group.

      Senior Growth Manager, UK to Kenya ongoing

    6. 6

      Measure

      Clicks and sign-ups.

      Senior Performance Marketing Manager weekly

    First result
    2 weeks
    Cost
    $0
    Owner
    Senior Growth Manager, UK to Kenya

    Smallest test

    Post the new Kenya link in one group.

    Why it works

    Give every corridor page a share image and title in the page's language: the destination's flag or a photo, "Send money to Kenya with LemFi", and the app rating. Test previews in WhatsApp and Telegram.

    A strong preview gets more taps in busy groups and looks more trustworthy than a bare link.

    Risks and how to handle them

    • Cached previews

      Use fresh links after the change.

    Evidence

    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source
    • Your websiteCorridor pages share one template: none of the nine sampled (Pakistan, Kenya, Nigeria in three countries, Morocco, Senegal, Mexico, Guatemala) has a share image, while the homepages do. The Pakistan page's description lists "HBL, UBL, Allied Bank, Bank Alfalah, MCB Bank" but the page itself shows the same generic text as every corridor.Source
    • Your websiteUK homepage: "send. save. grow."; "4.5 Rated Excellent on Trustpilot", "200K Apple App Store and Google Play reviews", "4.8" average; products Send, Accounts ("Hold up to 5 currencies"), Credit, Credit Monitor, Savings and eSIM; "Invite and earn £50", "2M+ invites sent". The US homepage shows Credit and Savings as "Coming soon", offers "$50 for you, $50 for them", and its description ends "One app for life across two."Source
  • 04

    More than 150 locale sitemaps list the same 79 URLs. Outside the UK they include /credit, /savings and /credit-monitor, which return 404 in the US and Canada, and expired promotions such as the student ambassador programme also return 404.

    Medium impactLow effort First result in 2 weeks Web team

    First action

    Remove the three UK-only paths from non-UK sitemaps.

    How to measure it

    Sitemap URLs returning 404

    Now
    –
    Target
    0
    By
    30 days

    Steps

    1. 1

      List 404s

      Crawl every sitemap.

      Web team 1 day

    2. 2

      Change the generator

      Per-locale pages.

      Web team 2 days

    3. 3

      Remove expired promotions

      Or redirect.

      Web team 1 day

    4. 4

      Add missing pages

      New corridors.

      Web team 1 day

    5. 5

      Fix the description

      US homepage.

      Product Marketing 1 hour

    6. 6

      Resubmit

      Search Console.

      Web team 1 day

    First result
    2 weeks
    Cost
    $0
    Owner
    Web team

    Smallest test

    Fix the US sitemap first.

    Why it works

    Generate each sitemap from the pages that exist in that locale, drop expired promotions, and add the pages that are missing (Colombia, Guatemala, es-US). Fix the US homepage description that ends "One app for life across two."

    Search engines spend less time on dead pages and find the new corridor pages faster.

    Risks and how to handle them

    • Pages reappear later

      Make the sitemap follow each locale's live product list.

    Evidence

    • Your websiteSitemaps: the index lists more than 150 locale sitemaps with the same 79 URLs each (56 destination pages). Outside the UK they include /credit, /savings and /credit-monitor, which return 404 for the US and Canada; promotion pages such as the student ambassador programme and the Europe affiliate programme 2026 are listed but return 404 (re-checked October 23, 2026).Source
    • Your websiteUS Spanish pages: /es-us/international-money-transfer/mexico has its canonical set to the Spain page (/es-es/...) and an hreflang only for es-es; the es-US homepage also canonicalises to es-es, and the es-US sitemap lists no URLs. In the page HTML the Mexico calculator converts USD to INR. /en-us/international-money-transfer/colombia and /guatemala return a generic "Send money abroad to 30+ countries" page whose canonical is the hub, and neither is in the sitemap.Source
    • Your websiteUK homepage: "send. save. grow."; "4.5 Rated Excellent on Trustpilot", "200K Apple App Store and Google Play reviews", "4.8" average; products Send, Accounts ("Hold up to 5 currencies"), Credit, Credit Monitor, Savings and eSIM; "Invite and earn £50", "2M+ invites sent". The US homepage shows Credit and Savings as "Coming soon", offers "$50 for you, $50 for them", and its description ends "One app for life across two."Source
  • 05

    All corridor pages share one template. The Pakistan page's description lists HBL, UBL, Allied Bank, Bank Alfalah and MCB Bank, but the page shows the same generic text as every other destination and says both "In seconds" and "most transfers land in minutes".

    High impactMedium effort First result in 1 month Product Marketing

    First action

    Write the Pakistan block from the bank list.

    How to measure it

    Corridor-page sign-ups

    Now
    –
    Target
    +20%
    By
    2 months

    Steps

    1. 1

      Pick corridors

      Those with growth managers.

      Product Marketing 1 day

    2. 2

      Collect payout facts

      From operations.

      Product Marketing 1 week

    3. 3

      Approve wording

      Delivery and rate wording.

      Compliance 1 week

    4. 4

      Build the block

      Template field.

      Web team 1 week

    5. 5

      Add reviews

      Corridor-specific.

      Product Marketing 1 week

    6. 6

      Measure

      Sign-ups by page.

      Senior Performance Marketing Manager monthly

    First result
    1 month
    Cost
    Staff time only
    Owner
    Product Marketing

    Smallest test

    Publish the Pakistan block.

    Why it works

    Add a corridor block to each page from LemFi's own data: payout methods available (banks, mobile money, wallets that LemFi supports), what the recipient needs, typical delivery wording approved by compliance, and recent reviews from senders on that corridor. Start with the corridors that have new growth managers.

    Senders choose a provider on whether their family can receive the money easily; specific answers convert better than general promises.

    Risks and how to handle them

    • Payout options change

      Feed the block from one data source.

    Evidence

    • Your websiteCorridor pages share one template: none of the nine sampled (Pakistan, Kenya, Nigeria in three countries, Morocco, Senegal, Mexico, Guatemala) has a share image, while the homepages do. The Pakistan page's description lists "HBL, UBL, Allied Bank, Bank Alfalah, MCB Bank" but the page itself shows the same generic text as every corridor.Source
    • Your websiteFee currency: the "Transfer fee" line shows pounds ("£0.00" or "0,00 £") on the US and Canada Nigeria pages, the Italy Nigeria page and the US Spanish Mexico page, while the calculator above it is in USD, CAD or EUR. Corridor pages also say "Arrives: In seconds" next to "Most transfers land in minutes".Source
    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source
    • HiringSenior Growth Manager, France to Morocco (posted October 15, 2026): drives "LemFi's expansion within the Moroccan diaspora in one of our most critical markets", spends "3 to 5 days every few weeks in a new city" across France, manages "France/Morocco-focused influencers, community leaders, and external agencies" and must implement "tracking mechanisms for the exact customer acquisition cost of your activities".Source
  • 06

    The CRM role says "a wrong rate, a broken link or the wrong segment lands in a customer's pocket" and must QA localisation for every send. The website has the same risk: French pages about parcels, pounds on euro and dollar pages, a Spanish page pointing to Spain.

    High impactLow effort First result in 1 month Senior CRM Manager

    First action

    Draft the checklist from this week's fixes.

    How to measure it

    Post-launch localisation errors

    Now
    –
    Target
    -80%
    By
    1 quarter

    Steps

    1. 1

      Draft checklist

      Web and CRM.

      Senior CRM Manager, Campaigns 2 days

    2. 2

      Name reviewers

      Per language.

      Senior CRM Manager, Campaigns 1 week

    3. 3

      Approved claims

      Translated list.

      Compliance 2 weeks

    4. 4

      Add to workflow

      Before every launch.

      Web team 1 week

    5. 5

      Audit monthly

      Sample of pages and sends.

      Senior CRM Executive monthly

    6. 6

      Report

      Errors caught.

      Senior CRM Manager, Campaigns monthly

    First result
    1 month
    Cost
    Staff time only
    Owner
    Senior CRM Manager, Campaigns

    Smallest test

    Use it on the next campaign.

    Why it works

    Write one checklist (language, currency, corridor, links, canonical, compliance) used before any page or campaign goes live, with native reviewers per language and a shared list of approved claims in each language.

    One standard prevents the same mistake appearing in both emails and pages.

    Risks and how to handle them

    • Slows launches

      Keep the checklist to one page.

    Evidence

    • HiringSenior CRM Executive (posted October 21, 2026): builds email, push, in-app and SMS campaigns "across remittance, credit, savings and whatever we launch next"; "a wrong rate, a broken link or the wrong segment lands in a customer's pocket"; must "QA every send before it goes: targeting, personalisation, links, localisation and compliance sign-off"; language skills in Italian, Portuguese, German, Mandarin, Wolof or Swahili are a plus.Source
    • Your websiteFrench corridor pages (checked October 23, 2026): the Morocco page's headline reads "Envoyez des colis à prix avantageux au Maroc" ("send parcels at a good price to Morocco"), and the body says "Envoyez des colis à moindre coût"; the Senegal page has the same "colis" headline. The page's title and description correctly say "Envoyer de l'argent au Maroc". The fee line shows "0,00 £" next to a euro calculator, and "Des tarifs imbattables. À chaque fois." is stronger than the English "Great rates. Every time."Source
    • Your websiteFee currency: the "Transfer fee" line shows pounds ("£0.00" or "0,00 £") on the US and Canada Nigeria pages, the Italy Nigeria page and the US Spanish Mexico page, while the calculator above it is in USD, CAD or EUR. Corridor pages also say "Arrives: In seconds" next to "Most transfers land in minutes".Source
    • Your websiteUS Spanish pages: /es-us/international-money-transfer/mexico has its canonical set to the Spain page (/es-es/...) and an hreflang only for es-es; the es-US homepage also canonicalises to es-es, and the es-US sitemap lists no URLs. In the page HTML the Mexico calculator converts USD to INR. /en-us/international-money-transfer/colombia and /guatemala return a generic "Send money abroad to 30+ countries" page whose canonical is the hub, and neither is in the sitemap.Source

This quarter 9

The core plays for the next three months.

  • 07

    The France-Morocco role asks for "the exact customer acquisition cost" of each activity, and the UK-Kenya role measures conversion to first-time senders. Community events, WhatsApp groups and creators are hard to attribute without per-activity links.

    High impactMedium effort First result in 1 quarter Senior Growth Manager

    First action

    Create links for the next five events.

    How to measure it

    Attributed community sign-ups

    Now
    –
    Target
    80%
    By
    1 quarter

    Steps

    1. 1

      Set link rules

      Naming and parameters.

      Senior Performance Marketing Manager 1 week

    2. 2

      Build generator

      Self-serve links and QR codes.

      Web team 2 weeks

    3. 3

      Train managers

      All corridors.

      Senior Performance Marketing Manager 1 week

    4. 4

      Use at events

      Every activity.

      Senior Growth Manager, France to Morocco ongoing

    5. 5

      Weekly report

      Cost per first transfer.

      Senior Performance Marketing Manager weekly

    6. 6

      Cut and scale

      By activity.

      Senior Growth Manager, France to Morocco monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Senior Growth Manager, France to Morocco

    Smallest test

    Track one event end to end.

    Why it works

    Give every event, creator and group its own deep link and QR code that opens the app store and is tracked through the mobile measurement partner, plus an event-specific referral code where allowed. Report sign-ups, first transfers and cost per activity weekly.

    Growth managers can then cut what does not work fast, as their roles require.

    Risks and how to handle them

    • Links not used

      Make QR codes part of every event kit.

    Evidence

    • HiringSenior Growth Manager, France to Morocco (posted October 15, 2026): drives "LemFi's expansion within the Moroccan diaspora in one of our most critical markets", spends "3 to 5 days every few weeks in a new city" across France, manages "France/Morocco-focused influencers, community leaders, and external agencies" and must implement "tracking mechanisms for the exact customer acquisition cost of your activities".Source
    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source
    • HiringSenior Performance Marketing Manager (posted October 20, 2026): owns paid media "across Meta, Google, TikTok and programmatic", runs a test-and-learn programme across "audience segmentation, creative angles, bidding strategies and landing pages", aligns spend with "corridor expansions and seasonal remittance peaks", and works with "mobile measurement partners, attribution tooling and incrementality testing".Source
  • 08

    LemFi already pays $50 or £50 in LemFi Cash to both sides, with "2M+ invites sent", and its sitemap still lists a student ambassador programme page that now returns 404. Each corridor role is about community leaders and trust.

    High impactMedium effort First result in 2 quarters Senior Growth Manager

    First action

    Recruit five ambassadors in one corridor.

    How to measure it

    Ambassador-referred first transfers

    Now
    –
    Target
    500 a month
    By
    2 quarters

    Steps

    1. 1

      Design programme

      Terms and tiers.

      Product Marketing 2 weeks

    2. 2

      Compliance check

      Promotion rules per country.

      Compliance 2 weeks

    3. 3

      Recruit

      Five per corridor.

      Senior Growth Manager, UK to Kenya 1 month

    4. 4

      Give tools

      Pages and materials.

      VP, Design & Brand 2 weeks

    5. 5

      Run leaderboard

      Monthly.

      Senior CRM Executive monthly

    6. 6

      Review

      Cost and fraud.

      Senior Performance Marketing Manager monthly

    First result
    2 quarters
    Cost
    Referral rewards
    Owner
    Senior Growth Manager, UK to Kenya

    Smallest test

    Pilot with five ambassadors in the UK-Kenya corridor.

    Why it works

    Recruit ambassadors in each corridor (association organisers, students, small business owners), give them a corridor referral page in their language and a monthly leaderboard, and support them with event materials. Keep rewards within the existing referral terms.

    People trust someone from their own community with money transfers more than an ad.

    Risks and how to handle them

    • Referral abuse

      Pay only after a qualifying transfer and use fraud checks.

    Evidence

    • Your websiteReferral page (US): "$50 for you, $50 for them"; the friend gets LemFi Cash on sign-up and the referrer when the friend sends "$50 or more to an eligible country"; "LemFi Cash can't be withdrawn as cash". Promotions in the sitemap include a monthly prize draw, a Diwali prize draw, LemFi Food Fest and an Australia launch referral programme.Source
    • Your websiteSitemaps: the index lists more than 150 locale sitemaps with the same 79 URLs each (56 destination pages). Outside the UK they include /credit, /savings and /credit-monitor, which return 404 for the US and Canada; promotion pages such as the student ambassador programme and the Europe affiliate programme 2026 are listed but return 404 (re-checked October 23, 2026).Source
    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source
    • HiringSenior Growth Manager, France to Morocco (posted October 15, 2026): drives "LemFi's expansion within the Moroccan diaspora in one of our most critical markets", spends "3 to 5 days every few weeks in a new city" across France, manages "France/Morocco-focused influencers, community leaders, and external agencies" and must implement "tracking mechanisms for the exact customer acquisition cost of your activities".Source
  • 09

    Pakistan is one of LemFi's "most important diaspora corridors", and the role prizes Urdu or Punjabi. The site's languages are English, French, Spanish, Portuguese, Italian, German and Chinese.

    Medium impactMedium effort First result in 1 quarter Senior Growth Manager

    First action

    Translate the Pakistan page.

    How to measure it

    Urdu page sign-ups

    Now
    –
    Target
    300 a month
    By
    2 quarters

    Steps

    1. 1

      Translate

      Pakistan page and help.

      Senior Growth Manager, Pakistan 2 weeks

    2. 2

      Review

      Native speakers and compliance.

      Compliance 1 week

    3. 3

      Publish

      With right-to-left layout.

      Web team 2 weeks

    4. 4

      Videos

      Short Urdu explainers.

      Senior Growth Manager, Pakistan 1 month

    5. 5

      Promote

      Events and groups.

      Senior Growth Manager, Pakistan ongoing

    6. 6

      Measure

      Sign-ups.

      Senior Performance Marketing Manager monthly

    First result
    1 quarter
    Cost
    Translation budget
    Owner
    Senior Growth Manager, Pakistan

    Smallest test

    Share one Urdu video in two groups.

    Why it works

    Publish an Urdu version of the Pakistan page and the sign-up help, create short Urdu videos for community WhatsApp groups and events, and offer Urdu in support if possible.

    Many first-generation senders prefer to read about money in their own language, and few rivals do it well.

    Risks and how to handle them

    • Right-to-left layout bugs

      Test on phones before launch.

    Evidence

    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source
    • Your websiteCorridor pages share one template: none of the nine sampled (Pakistan, Kenya, Nigeria in three countries, Morocco, Senegal, Mexico, Guatemala) has a share image, while the homepages do. The Pakistan page's description lists "HBL, UBL, Allied Bank, Bank Alfalah, MCB Bank" but the page itself shows the same generic text as every corridor.Source
    • Your websiteUK homepage: "send. save. grow."; "4.5 Rated Excellent on Trustpilot", "200K Apple App Store and Google Play reviews", "4.8" average; products Send, Accounts ("Hold up to 5 currencies"), Credit, Credit Monitor, Savings and eSIM; "Invite and earn £50", "2M+ invites sent". The US homepage shows Credit and Savings as "Coming soon", offers "$50 for you, $50 for them", and its description ends "One app for life across two."Source
  • 10

    The Canada-Nigeria and France-Morocco roles negotiate directly with influencers and creators. Without creator-specific pages, it is hard to tell which creators bring senders.

    High impactMedium effort First result in 1 quarter Senior Growth Manager

    First action

    Sign three creators in one corridor.

    How to measure it

    Creator-driven first transfers

    Now
    –
    Target
    200 a month per corridor
    By
    1 quarter

    Steps

    1. 1

      Shortlist creators

      Per corridor.

      Senior Growth Manager, Canada to Nigeria 2 weeks

    2. 2

      Set terms

      Base and bonus.

      Senior Growth Manager, Canada to Nigeria 1 week

    3. 3

      Compliance

      Disclosure rules.

      Compliance 1 week

    4. 4

      Build pages

      Template.

      Web team 1 week

    5. 5

      Launch

      Three creators.

      Senior Growth Manager, Canada to Nigeria 1 month

    6. 6

      Measure

      Cost per first transfer.

      Senior Performance Marketing Manager weekly

    First result
    1 quarter
    Cost
    Creator fees
    Owner
    Senior Growth Manager, Canada to Nigeria

    Smallest test

    Run one creator page for a month.

    Why it works

    Give each creator a landing page in the corridor language with their message, the corridor block and a tracked app link. Pay a base plus a bonus on first transfers.

    Performance-linked creator deals scale what works and stop what does not.

    Risks and how to handle them

    • Overpromising creators

      Give them the approved claim list.

    Evidence

    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source
    • HiringSenior Growth Manager, France to Morocco (posted October 15, 2026): drives "LemFi's expansion within the Moroccan diaspora in one of our most critical markets", spends "3 to 5 days every few weeks in a new city" across France, manages "France/Morocco-focused influencers, community leaders, and external agencies" and must implement "tracking mechanisms for the exact customer acquisition cost of your activities".Source
    • HiringSenior Performance Marketing Manager (posted October 20, 2026): owns paid media "across Meta, Google, TikTok and programmatic", runs a test-and-learn programme across "audience segmentation, creative angles, bidding strategies and landing pages", aligns spend with "corridor expansions and seasonal remittance peaks", and works with "mobile measurement partners, attribution tooling and incrementality testing".Source
  • 11

    The performance role aligns spend with "seasonal remittance peaks". Peaks differ by corridor: religious holidays, school fees, year-end and harvest seasons.

    High impactMedium effort First result in 2 quarters Senior Performance Marketing…

    First action

    Ask each growth manager for their top three peaks.

    How to measure it

    Peak-week first transfers

    Now
    –
    Target
    +25%
    By
    2 quarters

    Steps

    1. 1

      Collect peaks

      From growth managers.

      Senior Performance Marketing Manager 2 weeks

    2. 2

      Check data

      Past volumes by week.

      Senior Performance Marketing Manager 1 week

    3. 3

      Plan budgets

      Per corridor.

      Senior Performance Marketing Manager 2 weeks

    4. 4

      Plan CRM

      Messages per peak.

      Senior CRM Manager, Campaigns 2 weeks

    5. 5

      Prepare creative

      Per language.

      VP, Design & Brand 1 month

    6. 6

      Review

      After each peak.

      Senior Performance Marketing Manager monthly

    First result
    2 quarters
    Cost
    Media budget
    Owner
    Senior Performance Marketing Manager

    Smallest test

    Plan the next peak in one corridor.

    Why it works

    Build a calendar per corridor with growth managers, plan paid budgets and CRM sends around it, and prepare creative in each language ahead of time.

    Spend at the moment of need converts better than evenly spread budgets.

    Risks and how to handle them

    • Higher competition in peaks

      Start before the peak.

    Evidence

    • HiringSenior Performance Marketing Manager (posted October 20, 2026): owns paid media "across Meta, Google, TikTok and programmatic", runs a test-and-learn programme across "audience segmentation, creative angles, bidding strategies and landing pages", aligns spend with "corridor expansions and seasonal remittance peaks", and works with "mobile measurement partners, attribution tooling and incrementality testing".Source
    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source
    • HiringSenior CRM Executive (posted October 21, 2026): builds email, push, in-app and SMS campaigns "across remittance, credit, savings and whatever we launch next"; "a wrong rate, a broken link or the wrong segment lands in a customer's pocket"; must "QA every send before it goes: targeting, personalisation, links, localisation and compliance sign-off"; language skills in Italian, Portuguese, German, Mandarin, Wolof or Swahili are a plus.Source
  • 12

    The performance role asks for incrementality testing and attribution that "give the business confidence". Community, referral and paid channels overlap in tight-knit communities.

    High impactHigh effort First result in 2 quarters Senior Performance Marketing…

    First action

    Pick two corridors for the first test.

    How to measure it

    Measured incremental CAC

    Now
    –
    Target
    known for top 5 corridors
    By
    2 quarters

    Steps

    1. 1

      Design tests

      Geo holdouts.

      Senior Performance Marketing Manager 2 weeks

    2. 2

      Set measurement

      First transfers.

      Senior Performance Marketing Manager 2 weeks

    3. 3

      Run

      Four to six weeks.

      Senior Performance Marketing Manager 6 weeks

    4. 4

      Analyse

      Lift.

      Senior Performance Marketing Manager 2 weeks

    5. 5

      Reallocate

      Budget.

      Senior Performance Marketing Manager 1 month

    6. 6

      Repeat

      Per corridor.

      Senior Performance Marketing Manager quarterly

    First result
    2 quarters
    Cost
    Test budget
    Owner
    Senior Performance Marketing Manager

    Smallest test

    Run one holdout on one channel.

    Why it works

    Run geo or holdout tests per corridor for Meta and TikTok, measuring first transfers, and move budget to channels with true lift.

    Much of the paid credit in referral-heavy communities may belong to word of mouth.

    Risks and how to handle them

    • Small corridors are noisy

      Test on larger corridors first.

    Evidence

    • HiringSenior Performance Marketing Manager (posted October 20, 2026): owns paid media "across Meta, Google, TikTok and programmatic", runs a test-and-learn programme across "audience segmentation, creative angles, bidding strategies and landing pages", aligns spend with "corridor expansions and seasonal remittance peaks", and works with "mobile measurement partners, attribution tooling and incrementality testing".Source
    • Your websiteReferral page (US): "$50 for you, $50 for them"; the friend gets LemFi Cash on sign-up and the referrer when the friend sends "$50 or more to an eligible country"; "LemFi Cash can't be withdrawn as cash". Promotions in the sitemap include a monthly prize draw, a Diwali prize draw, LemFi Food Fest and an Australia launch referral programme.Source
    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source
  • 13

    Growth managers are measured on "first-time transacting users", and the friend in a referral gets LemFi Cash on sign-up. Sign-ups who stop at verification or recipient details are lost growth.

    High impactMedium effort First result in 1 quarter Senior CRM Executive

    First action

    Measure drop-off by step.

    How to measure it

    First transfer within 14 days

    Now
    –
    Target
    +10 points
    By
    1 quarter

    Steps

    1. 1

      Measure steps

      Drop-off.

      Senior CRM Manager, Campaigns 1 week

    2. 2

      Write messages

      Per step and language.

      Senior CRM Executive 2 weeks

    3. 3

      QA

      Localisation check.

      Senior CRM Executive 1 week

    4. 4

      Launch

      All new users.

      Senior CRM Executive 1 week

    5. 5

      A/B test

      Timing and channel.

      Senior CRM Executive 1 month

    6. 6

      Report

      Weekly.

      Senior CRM Manager, Campaigns weekly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Senior CRM Executive

    Smallest test

    Send one help message to last week's stalled sign-ups.

    Why it works

    Map the steps from sign-up to first transfer, find the biggest drop, and build email, push and SMS help for each step in the user's language (ID tips, adding a recipient, the LemFi Cash balance reminder).

    Converting existing sign-ups costs less than acquiring new ones.

    Risks and how to handle them

    • Too many messages

      Respect the campaign calendar.

    Evidence

    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source
    • HiringSenior CRM Executive (posted October 21, 2026): builds email, push, in-app and SMS campaigns "across remittance, credit, savings and whatever we launch next"; "a wrong rate, a broken link or the wrong segment lands in a customer's pocket"; must "QA every send before it goes: targeting, personalisation, links, localisation and compliance sign-off"; language skills in Italian, Portuguese, German, Mandarin, Wolof or Swahili are a plus.Source
    • Your websiteReferral page (US): "$50 for you, $50 for them"; the friend gets LemFi Cash on sign-up and the referrer when the friend sends "$50 or more to an eligible country"; "LemFi Cash can't be withdrawn as cash". Promotions in the sitemap include a monthly prize draw, a Diwali prize draw, LemFi Food Fest and an Australia launch referral programme.Source
  • 14

    LemFi now sells eSIM data in more than 100 destinations. Senders often travel to the same country they send money to, and LemFi knows which country that is.

    Medium impactLow effort First result in 1 quarter Senior CRM Manager

    First action

    Pick one corridor and season.

    How to measure it

    eSIM buyers among active senders

    Now
    –
    Target
    5%
    By
    2 quarters

    Steps

    1. 1

      Pick segments

      By destination.

      Senior CRM Manager, Campaigns 1 week

    2. 2

      Write offer

      Per language.

      Senior CRM Executive 1 week

    3. 3

      Compliance

      Offer terms.

      Compliance 1 week

    4. 4

      Send

      Before travel seasons.

      Senior CRM Executive seasonal

    5. 5

      Measure

      Purchases.

      Senior CRM Manager, Campaigns monthly

    6. 6

      Expand

      More corridors.

      Senior CRM Manager, Campaigns quarterly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Senior CRM Manager, Campaigns

    Smallest test

    Send one offer to one corridor.

    Why it works

    Send an eSIM offer for the destination country around travel seasons, inside the app and by email, with the price and data in the user's currency. Track eSIM buyers' transfer frequency.

    It adds a useful product at the right moment and gives users another reason to open the app.

    Risks and how to handle them

    • Irrelevant offers

      Limit to users who send to that country.

    Evidence

    • News coverageOn October 21, 2026 LemFi launched a rebuilt app with a new brand ("Ambition has no passport"), UK savings and credit, and eSIM data in more than 100 destinations; it reports more than two million customers, more than 30 destination countries and over $2 billion a month in volume.Source
    • Your websiteUK homepage: "send. save. grow."; "4.5 Rated Excellent on Trustpilot", "200K Apple App Store and Google Play reviews", "4.8" average; products Send, Accounts ("Hold up to 5 currencies"), Credit, Credit Monitor, Savings and eSIM; "Invite and earn £50", "2M+ invites sent". The US homepage shows Credit and Savings as "Coming soon", offers "$50 for you, $50 for them", and its description ends "One app for life across two."Source
    • HiringSenior CRM Executive (posted October 21, 2026): builds email, push, in-app and SMS campaigns "across remittance, credit, savings and whatever we launch next"; "a wrong rate, a broken link or the wrong segment lands in a customer's pocket"; must "QA every send before it goes: targeting, personalisation, links, localisation and compliance sign-off"; language skills in Italian, Portuguese, German, Mandarin, Wolof or Swahili are a plus.Source
  • 15

    Real visitors fail Core Web Vitals on responsiveness (INP 204 ms against a 200 ms limit). In Google's phone test the UK homepage scores 61, the tag manager loads about 463 KB, and about 385 KB of JavaScript is unused.

    Medium impactMedium effort First result in 1 quarter Web team

    First action

    List tags on the corridor template.

    How to measure it

    INP at the 75th percentile

    Now
    –
    Target
    under 200 ms
    By
    1 quarter

    Steps

    1. 1

      List tags

      Owners and purpose.

      Web team 2 days

    2. 2

      Remove duplicates

      Unused tags.

      Web team 1 week

    3. 3

      Delay scripts

      Non-essential.

      Web team 1 week

    4. 4

      Split calculator code

      Lighter first load.

      Web team 2 weeks

    5. 5

      Re-test

      PageSpeed.

      Web team 1 day

    6. 6

      Track field data

      Monthly.

      Web team monthly

    First result
    1 quarter
    Cost
    Engineering time
    Owner
    Web team

    Smallest test

    Remove one unused tag.

    Why it works

    Audit the tags on corridor and homepage templates, remove duplicates, delay non-essential scripts, and split the calculator code so it does not block taps. Re-test field data monthly.

    Faster pages convert paid traffic better, especially on mid-range phones.

    Risks and how to handle them

    • Breaking attribution

      Remove one tag at a time with the performance team.

    Evidence

    • Google PageSpeedReal Chrome visitors fail Core Web Vitals on lemfi.com because of responsiveness (INP 204 ms; the limit is 200 ms). In Google's phone test the UK homepage scores 61, main content at 5.3 s; the tag manager loads about 463 KB and blocks for about 205 ms; about 385 KB of JavaScript is unused.Source
    • HiringSenior Performance Marketing Manager (posted October 20, 2026): owns paid media "across Meta, Google, TikTok and programmatic", runs a test-and-learn programme across "audience segmentation, creative angles, bidding strategies and landing pages", aligns spend with "corridor expansions and seasonal remittance peaks", and works with "mobile measurement partners, attribution tooling and incrementality testing".Source

Big bets 3

Larger plays that can change the trajectory.

  • 16

    The LATAM role must build "the market-entry playbook for each new LATAM country", and new corridors keep opening. Today new corridors appear on the site as generic pages.

    High impactHigh effort First result in 3 quarters Head of LATAM

    First action

    Draft the checklist for Colombia.

    How to measure it

    Days to 1,000 senders

    Now
    –
    Target
    under 60
    By
    3 quarters

    Steps

    1. 1

      Draft kit

      From Colombia.

      Senior Growth Manager, LATAM 1 month

    2. 2

      Pages

      Template.

      Web team 1 month

    3. 3

      Community map

      US cities.

      Senior Growth Manager, LATAM 1 month

    4. 4

      Paid plan

      Per country.

      Senior Performance Marketing Manager 2 weeks

    5. 5

      CRM sequence

      Launch messages.

      Senior CRM Manager, Campaigns 2 weeks

    6. 6

      Review

      After each launch.

      Head of LATAM quarterly

    First result
    3 quarters
    Cost
    Team time
    Owner
    Head of LATAM

    Smallest test

    Use the checklist for one launch.

    Why it works

    Create a launch kit: pages in each language, payout facts, approved claims, community map, creator list, paid plan, CRM sequence and a launch checklist with a readiness gate. Use it for Colombia and Guatemala, then for every new corridor.

    Each launch gets faster and avoids the mistakes found on today's pages.

    Risks and how to handle them

    • Kit becomes bureaucracy

      Keep it a one-page checklist plus templates.

    Evidence

    • HiringSenior Growth Manager, LATAM (posted September 25, 2026), reporting to the Head of LATAM: "Having established payout operations in Brazil, LemFi is expanding aggressively across Latin America - launching and scaling in Colombia, Guatemala, and Mexico"; will "Build the market-entry playbook for each new LATAM country" and needs familiarity with "the US-based corridors".Source
    • Your websiteUS Spanish pages: /es-us/international-money-transfer/mexico has its canonical set to the Spain page (/es-es/...) and an hreflang only for es-es; the es-US homepage also canonicalises to es-es, and the es-US sitemap lists no URLs. In the page HTML the Mexico calculator converts USD to INR. /en-us/international-money-transfer/colombia and /guatemala return a generic "Send money abroad to 30+ countries" page whose canonical is the hub, and neither is in the sitemap.Source
    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source
    • HiringSenior Performance Marketing Manager (posted October 20, 2026): owns paid media "across Meta, Google, TikTok and programmatic", runs a test-and-learn programme across "audience segmentation, creative angles, bidding strategies and landing pages", aligns spend with "corridor expansions and seasonal remittance peaks", and works with "mobile measurement partners, attribution tooling and incrementality testing".Source
  • 17

    LemFi's brand is "Ambition has no passport", and the new app bundles accounts, eSIM, sending, and in the UK savings and credit. People are most open to a new financial app in their first weeks in a new country.

    High impactHigh effort First result in 4 quarters Head of Growth

    First action

    Approach one employer and one university.

    How to measure it

    Arrival-programme sign-ups

    Now
    –
    Target
    10,000
    By
    4 quarters

    Steps

    1. 1

      Design pack

      Products and reward.

      Product Marketing 1 month

    2. 2

      Compliance

      Partner promotions.

      Compliance 1 month

    3. 3

      Sign partners

      Two employers, two universities.

      Head of Growth 1 quarter

    4. 4

      Build onboarding

      Partner landing pages.

      Web team 1 month

    5. 5

      Launch

      With partner intakes.

      Product Marketing 1 quarter

    6. 6

      Measure

      Sign-ups and retention.

      Senior Performance Marketing Manager monthly

    First result
    4 quarters
    Cost
    Rewards and team time
    Owner
    Head of Growth

    Smallest test

    Pitch one university international office.

    Why it works

    Partner with employers that recruit internationally and with universities: a welcome pack with eSIM, a multi-currency account and a first-transfer reward, delivered through HR or the international student office.

    It reaches newcomers before they settle on another provider, through a trusted institution.

    Risks and how to handle them

    • Partner sign-off is slow

      Start with institutions growth managers already know.

    Evidence

    • News coverageOn October 21, 2026 LemFi launched a rebuilt app with a new brand ("Ambition has no passport"), UK savings and credit, and eSIM data in more than 100 destinations; it reports more than two million customers, more than 30 destination countries and over $2 billion a month in volume.Source
    • Your websiteUK homepage: "send. save. grow."; "4.5 Rated Excellent on Trustpilot", "200K Apple App Store and Google Play reviews", "4.8" average; products Send, Accounts ("Hold up to 5 currencies"), Credit, Credit Monitor, Savings and eSIM; "Invite and earn £50", "2M+ invites sent". The US homepage shows Credit and Savings as "Coming soon", offers "$50 for you, $50 for them", and its description ends "One app for life across two."Source
    • Your websiteReferral page (US): "$50 for you, $50 for them"; the friend gets LemFi Cash on sign-up and the referrer when the friend sends "$50 or more to an eligible country"; "LemFi Cash can't be withdrawn as cash". Promotions in the sitemap include a monthly prize draw, a Diwali prize draw, LemFi Food Fest and an Australia launch referral programme.Source
  • 18

    LemFi's users send to families in Nigeria, Kenya, Pakistan, Morocco and more. Recipients often have several relatives abroad who send them money through different providers.

    Medium impactHigh effort First result in 3 quarters Head of Growth

    First action

    Add a share line to one corridor's receipt message.

    How to measure it

    Recipient-sourced sign-ups

    Now
    –
    Target
    5% of new users
    By
    3 quarters

    Steps

    1. 1

      Design

      Share link on receipts.

      Product Marketing 1 month

    2. 2

      Compliance

      Referral terms.

      Compliance 1 month

    3. 3

      Build

      Receipt link.

      Web team 1 month

    4. 4

      Pilot

      One corridor.

      Senior Growth Manager, Italy to Nigeria 1 quarter

    5. 5

      Measure

      Sign-ups.

      Senior Performance Marketing Manager monthly

    6. 6

      Expand

      More corridors.

      Head of Growth quarterly

    First result
    3 quarters
    Cost
    Referral rewards
    Owner
    Head of Growth

    Smallest test

    Pilot in the Italy-Nigeria corridor.

    Why it works

    Give recipients a simple way to share a LemFi link with relatives abroad (for example on a transfer receipt message), with the reward going to the sender under the existing referral terms.

    It uses the family network on the receiving side, which rivals rarely market to.

    Risks and how to handle them

    • Spam concerns

      One optional line, no repeated prompts.

    Evidence

    • Your websiteReferral page (US): "$50 for you, $50 for them"; the friend gets LemFi Cash on sign-up and the referrer when the friend sends "$50 or more to an eligible country"; "LemFi Cash can't be withdrawn as cash". Promotions in the sitemap include a monthly prize draw, a Diwali prize draw, LemFi Food Fest and an Australia launch referral programme.Source
    • News coverageOn October 21, 2026 LemFi launched a rebuilt app with a new brand ("Ambition has no passport"), UK savings and credit, and eSIM data in more than 100 destinations; it reports more than two million customers, more than 30 destination countries and over $2 billion a month in volume.Source
    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source

Wildcards 3

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

  • 19

    LemFi's blog sits at blog.lemfi.com. Senders search practical questions (which banks, mobile money, what ID) before choosing a provider.

    Medium impactLow effort First result in 1 quarter Product Marketing

    First action

    Write the Kenya guide.

    How to measure it

    Guide-driven sign-ups

    Now
    –
    Target
    500 a month
    By
    2 quarters

    Steps

    1. 1

      Pick corridors

      Top five.

      Product Marketing 1 week

    2. 2

      Write guides

      One per corridor.

      Product Marketing 1 month

    3. 3

      Compliance

      Review.

      Compliance 2 weeks

    4. 4

      Translate

      Main languages.

      Senior CRM Executive 2 weeks

    5. 5

      Publish

      Linked to corridor pages.

      Web team 1 week

    6. 6

      Share

      In communities.

      Senior Growth Manager, UK to Kenya ongoing

    First result
    1 quarter
    Cost
    Writing time
    Owner
    Product Marketing

    Smallest test

    Publish one guide.

    Why it works

    Write one guide per main corridor with payout options LemFi supports, documents needed and common mistakes, in the corridor's main language, linked to the corridor page. No rate promises.

    Helpful guides earn search traffic and give growth managers something to share.

    Risks and how to handle them

    • Facts go stale

      Review each guide quarterly.

    Evidence

    • Your websiteCorridor pages share one template: none of the nine sampled (Pakistan, Kenya, Nigeria in three countries, Morocco, Senegal, Mexico, Guatemala) has a share image, while the homepages do. The Pakistan page's description lists "HBL, UBL, Allied Bank, Bank Alfalah, MCB Bank" but the page itself shows the same generic text as every corridor.Source
    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source
    • Competitor researchRivals' own homepages: Remitly ("great exchange rates and low money transfer fees"), Taptap Send ("Send Money to Africa, Asia and Latin America"), Sendwave ("Trusted by one million users around the world") and WorldRemit ("fast, flexible, and fair").Source
  • 20

    Growth managers attend community events in new cities every few weeks across the US, Canada, France and Italy. People who meet LemFi at an event often look it up later.

    Medium impactLow effort First result in 1 quarter Growth Manager

    First action

    List the next month's events.

    How to measure it

    Event-page sign-ups

    Now
    –
    Target
    100 a month
    By
    2 quarters

    Steps

    1. 1

      Template

      Events page.

      Web team 1 week

    2. 2

      Collect events

      From managers.

      Growth Manager, US to Ghana ongoing

    3. 3

      Photos

      With consent.

      Growth Manager, US to Ghana ongoing

    4. 4

      Publish

      Per corridor.

      Web team 1 week

    5. 5

      Link

      From corridor pages.

      Web team 1 day

    6. 6

      Measure

      Sign-ups.

      Senior Performance Marketing Manager monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Growth Manager, US to Ghana

    Smallest test

    Publish one corridor's events.

    Why it works

    Publish a simple events page per corridor showing upcoming and recent events, with a photo, the event QR code and the corridor page link.

    It turns one-off event contact into a page people can return to, and shows community presence.

    Risks and how to handle them

    • Out-of-date listings

      Remove past events after a month.

    Evidence

    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source
    • HiringSenior Growth Manager, France to Morocco (posted October 15, 2026): drives "LemFi's expansion within the Moroccan diaspora in one of our most critical markets", spends "3 to 5 days every few weeks in a new city" across France, manages "France/Morocco-focused influencers, community leaders, and external agencies" and must implement "tracking mechanisms for the exact customer acquisition cost of your activities".Source
  • 21

    LemFi reports over two million customers and over $2 billion a month across more than 30 countries. Journalists and community leaders want data on diaspora sending.

    Medium impactMedium effort First result in 2 quarters Head of Growth

    First action

    Pick five charts.

    How to measure it

    Media pickups

    Now
    –
    Target
    30
    By
    1 year

    Steps

    1. 1

      Pick questions

      Five.

      Product Marketing 2 weeks

    2. 2

      Analyse

      Aggregated data.

      Data team 1 month

    3. 3

      Privacy and compliance

      Review.

      Compliance 1 month

    4. 4

      Design

      Report.

      VP, Design & Brand 1 month

    5. 5

      Launch

      Per corridor press.

      Product Marketing 1 month

    6. 6

      Share

      Events.

      Senior Growth Manager, France to Morocco ongoing

    First result
    2 quarters
    Cost
    Team time
    Owner
    Head of Growth

    Smallest test

    Publish one chart.

    Why it works

    Publish an annual report with aggregated, anonymised trends: sending peaks by corridor, average transfer sizes, payout methods. Launch it in each corridor's press and communities.

    Original data earns press and gives growth managers a reason to speak at community events.

    Risks and how to handle them

    • Data sensitivity

      Aggregate and suppress small groups.

    Evidence

    • News coverageOn October 21, 2026 LemFi launched a rebuilt app with a new brand ("Ambition has no passport"), UK savings and credit, and eSIM data in more than 100 destinations; it reports more than two million customers, more than 30 destination countries and over $2 billion a month in volume.Source
    • HiringCorridor growth managers: Pakistan (posted October 18, 2026; events, partnerships across the UK; Urdu or Punjabi a plus), UK to Kenya (October 14; build presence in "East African diaspora associations, WhatsApp groups, and community networks" and measure "conversion to first-time transacting users"), Italy to Nigeria (October 2), Canada to Nigeria (October 16; "influencers, creators, key community leaders"), US to Ghana (August 20) and US to Nigeria (July 20).Source

03

How Programmable can help

Where an idea in this playbook is something Programmable builds or runs, it's listed here with what we'd do. Everything else is yours to run.

ProgrammableTalk

Fill the events in this plan

These ideas are events. Talk gets registrants for them and tells you who's coming and what their company does before the day.

Plan an event (opens programmable.talk in a new tab)
More example playbooks and reviews
ProgrammableDigital

Show LemFi’s product working

Turn screenshots or the website into an animated product demo in its own brand, for the homepage, launch posts and outreach in this playbook.

Make a demo (opens programmable.digital in a new tab)

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See every playbook and website review

Independent research. Programmable wrote this playbook from public sources, as they stood on October 26, 2026, and cites them throughout. LemFi did not commission, review or endorse it, and Programmable is not affiliated with LemFi. 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 LemFi runs its business.

Something wrong, or do you represent LemFi? 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

    French corridor fixes, LATAM pages, share images, sitemap clean-up, corridor content and one localisation check.

  2. Days 31 to 6011 ideas

    Event and creator attribution, ambassadors, Urdu content, peak calendar, incrementality, first-transfer journey, eSIM offers and speed; corridor guides and event pages.

  3. Days 61 to 904 ideas

    Start the big bets: the corridor launch kit, arrival partnerships, recipient-led referrals and the diaspora report.

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 zero transfer fees on supported corridors. The most cited problem: uncertainty about how family will receive money.

  • Transfers that arrive in minutes
  • Fees and exchange-rate surprises elsewhere
  • In their words: “send money home”

Market

Competitive landscape

4 competitors compared: Remitly, Taptap Send, Sendwave and WorldRemit.

  • Gap to exploit: Corridor pages in the senders' own languages
  • Remitly: Less community presence
  • Taptap Send: Transfer-only product

Hiring signals

LemFi is growing corridor by corridor with community-led growth managers (France-Morocco, Pakistan, UK-Kenya, Italy-Nigeria, Canada-Nigeria, US-Ghana, US-Nigeria and LATAM), each owning acquisition, events, partners…

  • Senior Growth Manager, France to Morocco: Moroccan diaspora in France; exact CAC. Ideas 1, 7.
  • Senior Growth Manager, LATAM: Colombia, Guatemala, Mexico launches. Ideas 2, 16.
  • Senior Growth Manager, UK to Kenya: WhatsApp groups and first-time senders. Ideas 3, 8.

From the team that wrote this playbook

All products
  • ProgrammableAgencyWorking AI systems in days, not quarters (opens programmable.agency in a new tab)
  • ProgrammableInfoAn agent that finds, researches and asks first (opens programmable.info in a new tab)
  • ProgrammableDigitalScreenshots in, an animated product demo out (opens programmable.digital in a new tab)
  • ProgrammableWatchKnow the day a supplier falls out of compliance (opens programmable.watch in a new tab)
  • ProgrammableTalkGet registrants for your events, and know who’s coming (opens programmable.talk in a new tab)
  • ProgrammablePageText what you need, your customer gets a page that works (opens programmable.page in a new tab)
  • ProgrammableCommunityForums with labelled AI members, never empty (opens programmable.community in a new tab)
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