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  • The brief
  • Start here
  • Idea portfolio
  • Effort vs impact
  • This week · 6
  • This quarter · 11
  • Big bets · 3
  • Wildcards · 2
  • How we can help
Generated Oct 23, 2026
  1. Programmable
  2. Playbooks
  3. Modulr
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growth playbook · Oct 23, 2026

modulrfinance.com (opens in a new tab)

Modulr growth playbook

Diagnosis

Modulr is profitable, processes more than 200 million transactions a year and is hiring to turn marketing into a measurable engine: a Head of Demand Generation and Head of Product Marketing for four verticals and two motions, marketing ops and RevOps leaders, a digital PR lead for AI visibility, travel partnerships hires and a US team for ACH, RTP and FedNow.

The website has not caught up: there is no US page, Travel has one customer story, the Spanish and French homepages show wrong figures, and SME buyers meet only a sales form on the homepage.

This playbook gives the US launch a front door first, fixes proof and paths on the site, then builds the measurement, partner and AI-visibility programs the new hires are there to run.

Growth Score

7/10

Biggest Opportunity

Turn the US launch, the travel vertical and the MCP connector into pipeline with pages, proof and partner tools that match what Modulr already sells.

Biggest Risk

US-native rivals such as Modern Treasury and Dwolla already lead with ACH, RTP and FedNow, so a slow or UK-sounding US entry could cede the first wave of buyers.

01

Start here

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

  1. 1

    Give the US launch a front door: a US page for ACH, RTP and FedNow, built for the three segments the new US team will sell

    Draft the /us page from the Cogent press release and the VP job description this week.

    High impact First result in 1 month
  2. 2

    Fix the numbers on the Spanish and French homepages, and add hreflang

    Correct the Spanish active-accounts stat today.

    Medium impact First result in 1 week
  3. 3

    One set of headline numbers on every page

    Search the site for "105" and "180" and list every headline stat.

    Medium impact First result in 2 weeks

02

Your idea portfolio

22 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.

    1 of these are things Programmable can build and run for you.

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 · 1Big bets · 15Fill-ins · 4Reconsider · 2
Effort →

Showing 22 of 22 ideas

This week 6

Quick wins with a clear first action.

  • 01

    Modulr is building a US sales organization "from scratch" for earned wage access, business payments and non-bank lending, and its September press release says existing and new customers can now open US accounts with ACH, RTP and FedNow. But modulrfinance.com has no US page: /us returns 404, the menu has no US entry, the lending page still describes Faster Payments, SEPA and sort codes, and the platform pricing page lists only GBP and EUR pay-outs. A US lender or wage-access platform that hears about Modulr at a conference lands on a UK site.

    High impactMedium effort First result in 1 month VP Market Development US

    First action

    Draft the /us page from the Cogent press release and the VP job description this week.

    How to measure it

    Qualified US demo requests

    Now
    –
    Target
    30 a month
    By
    90 days

    Steps

    1. 1

      Agree the story

      One US proposition per segment, with rails and partners.

      Senior Product Manager - US Payments 3 days

    2. 2

      Write the hub

      /us with ACH, RTP, FedNow, same-day pay-outs and US accounts.

      Senior Product Marketing Manager 1 week

    3. 3

      Segment pages

      Earned wage access, business payments, non-bank lending.

      Senior Product Marketing Manager 1 week

    4. 4

      US form and routing

      A US demo form that books the US team directly.

      Marketing Operations Lead 2 days

    5. 5

      Add to the menu

      A US entry in the main menu and a link from the lending page.

      Marketing Operations Lead 1 day

    6. 6

      Track

      US visits, demos and pipeline in one report.

      RevOps Director weekly

    7. 7

      Add proof

      The first US pilot story as soon as one is cleared.

      VP Market Development - US 1 quarter

    First result
    1 month
    Cost
    Writing and design time
    Owner
    VP Market Development US

    Smallest test

    Publish a one-page /us hub with a US demo form and send it to the next ten US prospects.

    Why it works

    Publish a US hub (/us) and three segment pages (earned wage access, business payments, non-bank lending) in US English with US rails, routing and account numbers, Cogent Bank and FIS as partners, a "UK customer expanding to the US" path, and a US demo form that goes straight to the US team. Add a US entry to the main menu and to the lending page.

    The VP is asked to build brand presence and convert pilot references; every talk, outbound email and press mention needs a page that speaks to a US buyer, or the interest leaks to US-native rivals that already lead with ACH, RTP and FedNow.

    Ready to use

    ChecklistUS hub launch list

    [ ] /us hub: ACH, RTP, FedNow, push-to-card, US accounts
    [ ] Pages for earned wage access, business payments, non-bank lending
    [ ] Partner banks and FIS named as in the press release
    [ ] US demo form routed to the US team
    [ ] US entry in the main menu
    [ ] US English spelling and USD examples
    [ ] Compliance review of account and bank wording
    [ ] Separate tracking for US traffic and demos

    Risks and how to handle them

    • Regulatory wording in the US

      Have Compliance review how partner banks and accounts are described.

    • Thin proof at launch

      Lead with the UK track record and partners until US stories exist.

    Evidence

    • HiringVP Market Development - US (East Coast, posted September 18, 2026): build "the US sales organization from scratch" across "three segments - earned wage access, business payments, and non-bank lending"; Modulr "has launched the same programmable, API-first infrastructure across ACH, RTP, FedNow, and push-to-card networks"; the VP will "Execute on warm pipeline from existing UK customers with US operations and convert pilot customer references into scalable commercial motion" and "drive brand presence through speaking engagements and industry conferences".Source
    • HiringSenior Product Manager - US Payments (posted October 9, 2026): "at the heart of Modulr's US expansion, taking a decade of UK and European payments experience into a brand new market"; the role will "work with commercial teams to pitch the product to prospects, collaborate with marketing teams to package and sell the proposition" and "be the point of contact for early customers".Source
    • News coverageModulr press release, 23 September 2026: a partnership with Cogent Bank gives businesses access to "ACH, RTP, and FedNow networks through a single, streamlined platform"; "Existing and new Modulr customers can open U.S. accounts and make same-day and standard pay-outs"; it is "built for current Modulr customers scaling into the U.S." and "U.S.-native platforms" in "lending, earned wage access and payroll"; the release cites FedNow processing "$853bn in 2025".Source
    • Your websiteSite check, October 22, 2026: the sitemap (389 URLs) has no US page and /us returns 404; the main menu lists Travel, Lending & Wage Advance, Merchant Payments and Investment & Wealth with no US entry; the lending page pays borrowers "via Faster Payments and SEPA" with "a unique sort code and account number"; the platform pricing page lists pay-outs in GBP and EUR plus SWIFT, with no ACH, RTP or FedNow; business plans are priced in GBP and EUR.Source
    • Competitor researchRivals' own homepages: Modern Treasury, a "Multi-Rail PSP" with "one API, sub-accounts, and built-in compliance across ACH, RTP, FedNow, and wire"; Dwolla, "high-volume ACH and real-time bank payments through a single API integration"; Airwallex UK, "global business accounts, high speed transfers, multi-currency cards, online payments, embedded finance".Source
  • 02

    The Spanish homepage tells visitors Modulr has "€12.87" active accounts (the English page says 11M+), and the French page calls 200 million transactions "200 M+ d'euros". There are no hreflang tags, so search engines cannot tell which language version to show. For a regulated payments firm selling trust, a wrong number on the first screen undermines the message.

    Medium impactLow effort First result in 1 week Senior Product Marketing Mana…

    First action

    Correct the Spanish active-accounts stat today.

    How to measure it

    Localized pages with wrong figures

    Now
    –
    Target
    0
    By
    2 weeks

    Steps

    1. 1

      List pages

      Every es-es and fr-fr page in the sitemap.

      Marketing Operations Lead 1 hour

    2. 2

      Fix stats

      Match the English numbers.

      Senior Product Marketing Manager 2 hours

    3. 3

      Add hreflang

      English, Spanish and French pairs.

      Marketing Operations Lead 2 hours

    4. 4

      Native review

      A Spanish and a French speaker read each page.

      Strategic Partnerships Manager, Travel 1 day

    5. 5

      Set an owner

      Who updates localized pages when numbers change.

      Head of Product Marketing 1 day

    6. 6

      Check indexing

      Search Console by country.

      Marketing Operations Lead 2 weeks

    First result
    1 week
    Cost
    $0
    Owner
    Senior Product Marketing Manager

    Smallest test

    Fix the Spanish stat block and check it in a browser.

    Why it works

    Correct the three stat blocks, add hreflang between the English, Spanish and French homepages and their contact pages, and set one owner who checks every localized page when an English number changes.

    It removes an easy objection for Spanish and French prospects and helps the right version rank in each market.

    Risks and how to handle them

    • More pages need translating

      Fix what exists first, then add pages where demand shows.

    Evidence

    • Your websiteLocalized pages: the Spanish homepage stats read "+200 M De transacciones", "+210 B€ Procesados anualmente" and "€12.87 Cuentas activas", where the English page says "11 M+ Active accounts"; the French homepage labels the transaction count "200 M+ d'euros de transactions" and shows a pop-up saying most pages are only in English; no hreflang tags on the English, Spanish or French homepages. The accountants page says "£105 B+ Annualised payments volume" while the homepage and press say £180bn.Source
    • HiringStrategic Partnerships Manager, Travel (London and Amsterdam): build "a pipeline of target travel partners: GDS, intermediaries, aggregators, OTAs, TMCs and travel SaaS platforms"; "Structure and negotiate partnership commercial models - revenue share, referral and embedded"; "Represent Modulr at travel industry events"; "Business-level fluency in Spanish" is a nice to have; "With strong momentum in Travel and virtual card payment channels, we're scaling our partnerships team".Source
  • 03

    The homepage and press say £180bn in annualised payment value; the accountants page still says £105bn; the Spanish page says €210bn. Sales decks, partner pages and AI assistants pick up whichever figure they find first.

    Medium impactLow effort First result in 2 weeks Head of Product Marketing

    First action

    Search the site for "105" and "180" and list every headline stat.

    How to measure it

    Pages using the shared stats module

    Now
    –
    Target
    100%
    By
    1 month

    Steps

    1. 1

      Audit

      Every page with a stat block.

      Marketing Operations Lead 1 day

    2. 2

      Agree figures

      Finance signs off one set.

      Head of Product Marketing 2 days

    3. 3

      Build module

      One shared HubSpot module.

      Marketing Operations Lead 2 days

    4. 4

      Replace

      All stat blocks, all languages.

      Marketing Operations Lead 2 days

    5. 5

      Update decks

      Sales and partner decks.

      GTM/Sales Enablement Manager 1 week

    6. 6

      Review

      Quarterly with each results update.

      Head of Product Marketing quarterly

    First result
    2 weeks
    Cost
    Staff time only
    Owner
    Head of Product Marketing

    Smallest test

    Fix the accountants page figure today.

    Why it works

    Keep the headline stats (transactions, payment value, active accounts, businesses served) in one shared module used by every page and language, with a date and a source, and update decks and partner pages from the same list.

    Consistent figures make the company look as controlled as the product it sells, and give the PR team one quotable set of numbers.

    Risks and how to handle them

    • Numbers change often

      Update the module once and it flows everywhere.

    Evidence

    • Your websiteLocalized pages: the Spanish homepage stats read "+200 M De transacciones", "+210 B€ Procesados anualmente" and "€12.87 Cuentas activas", where the English page says "11 M+ Active accounts"; the French homepage labels the transaction count "200 M+ d'euros de transactions" and shows a pop-up saying most pages are only in English; no hreflang tags on the English, Spanish or French homepages. The accountants page says "£105 B+ Annualised payments volume" while the homepage and press say £180bn.Source
    • News coverageModulr newsroom: an MCP connector launched 2 September 2026 lets developers using "Claude, Cursor, Codex and ChatGPT" prototype Modulr integrations "up to 3x faster"; on 14 October 2026 Modulr said it is building "purpose-built AI open models powered by NVIDIA" that run "inside Modulr's growing network of AI agents"; in February 2026 it reported "net profit on a full-year basis in 2025".Source
    • HiringDigital PR & Social Media Manager (posted October 2, 2026): content for "LinkedIn, Instagram, TikTok, and X"; "digital PR campaigns, including press releases, data-led studies, and reactive commentary"; and "something genuinely new for us: how Modulr engages with brands and partners to help us improve AI visibility".Source
  • 04

    Modulr runs two motions: sales-led enterprise and high-volume SME. The SME plans have prices from £30 a month and "Buy now" buttons, but the homepage hero offers only a Contact Sales form, so a small business or bookkeeper ready to start is sent into the enterprise queue.

    High impactLow effort First result in 2 weeks Head of Demand Generation

    First action

    Add a "See plans" button to the hero and measure clicks for two weeks.

    How to measure it

    Homepage to plan purchase

    Now
    –
    Target
    +20%
    By
    60 days

    Steps

    1. 1

      Design

      Two buttons, one for each motion.

      Head of Demand Generation 1 day

    2. 2

      Build

      Hero update in HubSpot.

      Marketing Operations Lead 1 day

    3. 3

      Route

      SME forms to the SME team.

      Marketing Operations Lead 1 day

    4. 4

      Track

      Clicks and purchases by path.

      Marketing Operations Lead 1 day

    5. 5

      Test

      Against the current hero.

      Head of Demand Generation 3 weeks

    6. 6

      Review

      Meetings and purchases per path.

      RevOps Director monthly

    First result
    2 weeks
    Cost
    $0
    Owner
    Head of Demand Generation

    Smallest test

    Add the button for half of visitors.

    Why it works

    Split the hero call to action: "See plans" for businesses and accountants (to the pricing pages) and "Talk to sales" for platforms and enterprises. Track both paths separately and route SME form fills to the SME team.

    It shortens the path for the volume motion and keeps enterprise sellers on enterprise conversations.

    Risks and how to handle them

    • Fewer enterprise forms

      Keep the sales form one click away and watch enterprise volume.

    Evidence

    • HiringHead of Demand Generation (London): "You own the demand number across four priority verticals and two distinct go-to-market motions": Travel, Lending, corporate business payments and SME/accountants. The enterprise and mid-market motion "is sales-led and considered"; the SME motion "runs largely through accountants, who introduce their own clients". Seats to hire: "an SME and accountant specialist, partner and channel marketing, a dedicated outbound capability, and events support"; the head must "know your conversion rates and cost per meeting" and "Take paid acquisition to the next level". Each vertical "pairs a demand generation owner with a product marketer working as one unit".Source
    • Your websitePricing for Business: bundle plans Bronze £30 a month (80 payments, +£0.80 each extra), Silver £110 (500 payments, "Most popular") and Platinum £500 (3,000 payments, API access), each with a "Buy now" button and a GBP/EUR switch. Pricing for Accountants: a "Delegate plan" with "Launch Promotion - No fee for Delegate Access" and "Join our referral plan. Speak to our team."Source
  • 05

    Travel is a priority vertical with its own partnerships hires in London and Amsterdam, a virtual-card product and event pages for WTM and ITB, yet the 30 case studies include just one travel business. Lending has two. Most proof on the site is accountants and payroll.

    High impactMedium effort First result in 6 weeks Senior Product Marketing Mana…

    First action

    Ask the travel account managers for five customers willing to talk.

    How to measure it

    Travel opportunities citing a story

    Now
    –
    Target
    25%
    By
    2 quarters

    Steps

    1. 1

      Shortlist

      Five travel customers.

      Strategic Partnerships Manager, Travel 1 week

    2. 2

      Interview

      Three calls with finance leads.

      Senior Product Marketing Manager 2 weeks

    3. 3

      Get numbers

      Interchange, fees, hours saved.

      Senior Product Marketing Manager 1 week

    4. 4

      Approve

      Customer and Compliance sign-off.

      Senior Product Marketing Manager 2 weeks

    5. 5

      Publish

      Travel page and case studies.

      Marketing Operations Lead 1 day

    6. 6

      Use

      Competitor comparisons, partner kits, events.

      GTM/Sales Enablement Manager ongoing

    First result
    6 weeks
    Cost
    Staff time only
    Owner
    Senior Product Marketing Manager

    Smallest test

    Publish one travel story this month.

    Why it works

    Interview three travel customers (an OTA, a TMC, a tour operator) on interchange earned, fees cut and reconciliation time saved, and publish them on the travel page, in competitor comparisons and in partner kits.

    Travel buyers compare margin outcomes; peer numbers move deals that features alone do not.

    Risks and how to handle them

    • Customers decline to share numbers

      Use ranges or percentages.

    Evidence

    • Your websiteCase studies (30 in the sitemap, checked October 22, 2026): most are accountants, payroll bureaus and SMEs (for example Williams Stanley, Gooding Accounts, Pixie Payroll, Makars Mash); travel has one (I Need Tours); lending and wage advance have Funding Circle and Hastee; none is a US customer.Source
    • HiringStrategic Partnerships Manager, Travel (London and Amsterdam): build "a pipeline of target travel partners: GDS, intermediaries, aggregators, OTAs, TMCs and travel SaaS platforms"; "Structure and negotiate partnership commercial models - revenue share, referral and embedded"; "Represent Modulr at travel industry events"; "Business-level fluency in Spanish" is a nice to have; "With strong momentum in Travel and virtual card payment channels, we're scaling our partnerships team".Source
    • Your websiteTravel research and events: a Modulr study of 500 travel businesses across the UK, France, Spain and Italy found "just 4%" satisfied with their payment processes; the site has event pages for WTM 2024 and 2025 and ITB Berlin, and a travel page built "for OTAs, TMCs, Tour Operators and travel intermediaries" with Visa and Mastercard virtual cards.Source
    • HiringHead of Product Marketing and Senior Product Marketing Manager (London): "In a crowded payments market, the sharper we are on who we serve and why we win, the harder every campaign, every launch and every sales conversation works"; run "customer conversations, win/loss and voice-of-customer work as a standing habit rather than an annual project"; positioning for "Travel and Lending solutions"; assets include "competitive competitor comparisons and win stories"; "Drive the quality and consistency of vertical storytelling across the website".Source
  • 06

    Returning Chrome visitors pass Core Web Vitals, but the mobile lab test of the homepage scores 29/100 with a 13.4-second largest paint. New visitors from paid ads and social, which the demand and social hires will grow, arrive without a warm cache.

    Medium impactLow effort First result in 1 month Marketing Operations Lead

    First action

    Run PageSpeed on the top three campaign landing pages.

    How to measure it

    Paid mobile conversion

    Now
    –
    Target
    +15%
    By
    60 days

    Steps

    1. 1

      Measure

      Top campaign pages in PageSpeed.

      Marketing Operations Lead 1 day

    2. 2

      Template

      A lean HubSpot landing page.

      Marketing Operations Lead 1 week

    3. 3

      Defer scripts

      Tags and widgets after load.

      Marketing Operations Lead 2 days

    4. 4

      Compress images

      Hero and logos.

      Marketing Operations Lead 1 day

    5. 5

      Switch traffic

      Paid and social campaigns.

      Head of Demand Generation 1 day

    6. 6

      Compare

      Cost per meeting before and after.

      RevOps Director 1 month

    First result
    1 month
    Cost
    Staff time only
    Owner
    Marketing Operations Lead

    Smallest test

    Move one LinkedIn campaign to a lean page.

    Why it works

    Build a lean landing-page template for campaigns (no hero animation, compressed images, deferred chat and tag scripts) and point paid and social traffic at it. Compare cost per meeting with the current pages.

    Paid clicks are expensive in payments; a faster first load lifts form starts on mobile.

    Risks and how to handle them

    • Tracking breaks

      Test tags in preview before switching.

    Evidence

    • Google PageSpeedReal Chrome visitors pass Core Web Vitals on the homepage (field LCP 1.97s, INP 128ms, CLS 0). The mobile lab test is much weaker: performance 29/100, largest contentful paint 13.4s and total blocking time 1.6s (desktop 42/100), so first-time mobile visitors from ads or social see a slow first load.Source
    • HiringHead of Demand Generation (London): "You own the demand number across four priority verticals and two distinct go-to-market motions": Travel, Lending, corporate business payments and SME/accountants. The enterprise and mid-market motion "is sales-led and considered"; the SME motion "runs largely through accountants, who introduce their own clients". Seats to hire: "an SME and accountant specialist, partner and channel marketing, a dedicated outbound capability, and events support"; the head must "know your conversion rates and cost per meeting" and "Take paid acquisition to the next level". Each vertical "pairs a demand generation owner with a product marketer working as one unit".Source
    • HiringDigital PR & Social Media Manager (posted October 2, 2026): content for "LinkedIn, Instagram, TikTok, and X"; "digital PR campaigns, including press releases, data-led studies, and reactive commentary"; and "something genuinely new for us: how Modulr engages with brands and partners to help us improve AI visibility".Source

This quarter 11

The core plays for the next three months.

  • 07

    The VP is asked to work "warm pipeline from existing UK customers with US operations", and the press release says the US offer is built first for current customers scaling into the US. That list already sits in the CRM.

    High impactMedium effort First result in 1 quarter VP Market Development US

    First action

    Pull a list of customers with US addresses, suppliers or USD flows.

    How to measure it

    Existing customers live in the US

    Now
    –
    Target
    20
    By
    2 quarters

    Steps

    1. 1

      Find accounts

      US entities and USD flows.

      RevOps Director 1 week

    2. 2

      Rank

      By US volume and fit.

      VP Market Development - US 1 week

    3. 3

      Brief AMs

      A short pitch and explainer.

      GTM/Sales Enablement Manager 1 week

    4. 4

      Outreach

      Account managers and the VP.

      VP Market Development - US 1 month

    5. 5

      Pilot

      Two customers live.

      Senior Product Manager - US Payments 1 quarter

    6. 6

      Reference

      Case study and quote.

      Senior Product Marketing Manager 1 quarter

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    VP Market Development US

    Smallest test

    Call the five customers with the largest USD flows.

    Why it works

    Find customers with US entities, suppliers or payroll, offer them US accounts on the same platform, and give their account managers a short pitch and a one-page US explainer. Turn the first two into pilot references.

    Selling to existing customers is the fastest and cheapest US revenue, and it creates the references a new market needs.

    Risks and how to handle them

    • Product gaps for early customers

      Pick pilots whose needs match current US features.

    Evidence

    • HiringVP Market Development - US (East Coast, posted September 18, 2026): build "the US sales organization from scratch" across "three segments - earned wage access, business payments, and non-bank lending"; Modulr "has launched the same programmable, API-first infrastructure across ACH, RTP, FedNow, and push-to-card networks"; the VP will "Execute on warm pipeline from existing UK customers with US operations and convert pilot customer references into scalable commercial motion" and "drive brand presence through speaking engagements and industry conferences".Source
    • News coverageModulr press release, 23 September 2026: a partnership with Cogent Bank gives businesses access to "ACH, RTP, and FedNow networks through a single, streamlined platform"; "Existing and new Modulr customers can open U.S. accounts and make same-day and standard pay-outs"; it is "built for current Modulr customers scaling into the U.S." and "U.S.-native platforms" in "lending, earned wage access and payroll"; the release cites FedNow processing "$853bn in 2025".Source
    • HiringRevOps Director (posted October 2, 2026): "Implement AI-powered lead scoring, intent signals, and predictive pipeline management"; govern "win rates by segment and channel, time-to-close, and multi-touch attribution"; design onboarding "so new sellers ramp in under 90 days". The GTM/Sales Enablement Manager embeds MEDDICC and manages "playbooks, competitor comparisons, objection handling, competitive intelligence and the GTM Hub", "with a focus on reducing time-to-first-deal".Source
  • 08

    Modulr calls payments "a crowded market" and is hiring product marketers to write competitor comparisons and win stories. In the US it meets Modern Treasury and Dwolla, which lead with ACH, RTP and FedNow; in the UK and Europe it meets Airwallex and others. The site has no comparison pages.

    High impactMedium effort First result in 1 quarter Head of Product Marketing

    First action

    Pick the three rivals that appear most in won and lost deals.

    How to measure it

    Comparison-page demos

    Now
    –
    Target
    20 a month
    By
    2 quarters

    Steps

    1. 1

      Pick rivals

      From win/loss data.

      Head of Product Marketing 1 week

    2. 2

      Check facts

      Rivals' current public pages.

      Senior Product Marketing Manager 1 week

    3. 3

      Write

      One page per rival and vertical.

      Senior Product Marketing Manager 1 month

    4. 4

      Legal review

      Claims and trademarks.

      Legal 2 weeks

    5. 5

      Publish

      With a switching offer.

      Marketing Operations Lead 1 day

    6. 6

      Refresh

      Quarterly.

      Senior Product Marketing Manager quarterly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Head of Product Marketing

    Smallest test

    Publish one US comparison page.

    Why it works

    Publish fair, dated comparison pages for the rivals sales meets most, by vertical: rails, accounts, cards, collections, reconciliation, integrations, licensing and support, plus switching help.

    Comparison searches come from buyers close to a decision, and the pages teach AI assistants how Modulr differs.

    Risks and how to handle them

    • Claims go out of date

      Date each page and cite sources.

    Evidence

    • HiringHead of Product Marketing and Senior Product Marketing Manager (London): "In a crowded payments market, the sharper we are on who we serve and why we win, the harder every campaign, every launch and every sales conversation works"; run "customer conversations, win/loss and voice-of-customer work as a standing habit rather than an annual project"; positioning for "Travel and Lending solutions"; assets include "competitive competitor comparisons and win stories"; "Drive the quality and consistency of vertical storytelling across the website".Source
    • Competitor researchRivals' own homepages: Modern Treasury, a "Multi-Rail PSP" with "one API, sub-accounts, and built-in compliance across ACH, RTP, FedNow, and wire"; Dwolla, "high-volume ACH and real-time bank payments through a single API integration"; Airwallex UK, "global business accounts, high speed transfers, multi-currency cards, online payments, embedded finance".Source
    • HiringRevOps Director (posted October 2, 2026): "Implement AI-powered lead scoring, intent signals, and predictive pipeline management"; govern "win rates by segment and channel, time-to-close, and multi-touch attribution"; design onboarding "so new sellers ramp in under 90 days". The GTM/Sales Enablement Manager embeds MEDDICC and manages "playbooks, competitor comparisons, objection handling, competitive intelligence and the GTM Hub", "with a focus on reducing time-to-first-deal".Source
  • 09

    The new Head of Demand Generation must "know your conversion rates and cost per meeting" across four verticals and two motions, and Marketing Ops is asked to make the funnel legible from first touch to closed won. Without a shared view, each pod reports its own way.

    High impactMedium effort First result in 1 quarter Marketing Operations Lead

    First action

    Agree the definitions of meeting and pipeline with RevOps.

    How to measure it

    Verticals with weekly cost per meeting

    Now
    –
    Target
    4 of 4
    By
    1 quarter

    Steps

    1. 1

      Definitions

      Meeting, opportunity, pipeline.

      RevOps Director 1 week

    2. 2

      Tagging

      Vertical and motion on every asset.

      Marketing Operations Lead 2 weeks

    3. 3

      Connect spend

      Ad platforms to the CRM.

      Marketing Operations Lead 2 weeks

    4. 4

      Build

      One scorecard per pod.

      Marketing Operations Lead 2 weeks

    5. 5

      Review

      Weekly pod meeting.

      Head of Demand Generation weekly

    6. 6

      Reallocate

      Budget to the best cost per meeting.

      Head of Demand Generation monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Marketing Operations Lead

    Smallest test

    Build the scorecard for Travel first.

    Why it works

    Tag every campaign, page and form by vertical and motion, and build one weekly scorecard per pod: spend, meetings, cost per meeting, pipeline and win rate, with the same definitions RevOps uses.

    Pods can move budget to what works, and the exec team sees one number per vertical.

    Risks and how to handle them

    • Attribution arguments

      Report first-touch and multi-touch side by side.

    Evidence

    • HiringHead of Demand Generation (London): "You own the demand number across four priority verticals and two distinct go-to-market motions": Travel, Lending, corporate business payments and SME/accountants. The enterprise and mid-market motion "is sales-led and considered"; the SME motion "runs largely through accountants, who introduce their own clients". Seats to hire: "an SME and accountant specialist, partner and channel marketing, a dedicated outbound capability, and events support"; the head must "know your conversion rates and cost per meeting" and "Take paid acquisition to the next level". Each vertical "pairs a demand generation owner with a product marketer working as one unit".Source
    • HiringMarketing Operations Lead: "make the funnel legible from first touch through to closed won"; configure the technology so marketers can "launch campaigns, build pages, pull their own numbers and test their own ideas, without a request queue in front of them"; Modulr "is becoming a genuinely AI-forward business".Source
    • HiringRevOps Director (posted October 2, 2026): "Implement AI-powered lead scoring, intent signals, and predictive pipeline management"; govern "win rates by segment and channel, time-to-close, and multi-touch attribution"; design onboarding "so new sellers ramp in under 90 days". The GTM/Sales Enablement Manager embeds MEDDICC and manages "playbooks, competitor comparisons, objection handling, competitive intelligence and the GTM Hub", "with a focus on reducing time-to-first-deal".Source
  • 10

    The Head of Product Marketing is asked to run win/loss and voice-of-customer work "as a standing habit" and to translate a technically rich platform for finance buyers. The site still speaks in product terms ("Pay-outs", "Account layer").

    High impactMedium effort First result in 1 quarter Head of Product Marketing

    First action

    Book the first eight interviews from last quarter's deals.

    How to measure it

    Win rate

    Now
    –
    Target
    +5 points
    By
    3 quarters

    Steps

    1. 1

      Pick deals

      Four won, four lost a month.

      RevOps Director monthly

    2. 2

      Interview

      30-minute calls.

      Head of Product Marketing monthly

    3. 3

      Tag

      Reasons and phrases.

      Senior Product Marketing Manager monthly

    4. 4

      Rewrite

      One page and one competitor comparison a month.

      Senior Product Marketing Manager monthly

    5. 5

      Share

      Monthly readout to sales.

      GTM/Sales Enablement Manager monthly

    6. 6

      Measure

      Win rate by vertical.

      RevOps Director quarterly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Head of Product Marketing

    Smallest test

    Interview two lost deals this month.

    Why it works

    Interview four won and four lost deals each month, tag the reasons and phrases, and update one vertical page and one competitor comparison each month with the language buyers used.

    Pages written in the buyer's words convert better and keep sales and marketing aligned.

    Risks and how to handle them

    • Lost buyers will not talk

      Offer a short call and a small thank-you.

    Evidence

    • HiringHead of Product Marketing and Senior Product Marketing Manager (London): "In a crowded payments market, the sharper we are on who we serve and why we win, the harder every campaign, every launch and every sales conversation works"; run "customer conversations, win/loss and voice-of-customer work as a standing habit rather than an annual project"; positioning for "Travel and Lending solutions"; assets include "competitive competitor comparisons and win stories"; "Drive the quality and consistency of vertical storytelling across the website".Source
    • HiringRevOps Director (posted October 2, 2026): "Implement AI-powered lead scoring, intent signals, and predictive pipeline management"; govern "win rates by segment and channel, time-to-close, and multi-touch attribution"; design onboarding "so new sellers ramp in under 90 days". The GTM/Sales Enablement Manager embeds MEDDICC and manages "playbooks, competitor comparisons, objection handling, competitive intelligence and the GTM Hub", "with a focus on reducing time-to-first-deal".Source
    • Your websiteSite check, October 22, 2026: the sitemap (389 URLs) has no US page and /us returns 404; the main menu lists Travel, Lending & Wage Advance, Merchant Payments and Investment & Wealth with no US entry; the lending page pays borrowers "via Faster Payments and SEPA" with "a unique sort code and account number"; the platform pricing page lists pay-outs in GBP and EUR plus SWIFT, with no ACH, RTP or FedNow; business plans are priced in GBP and EUR.Source
  • 11

    Modulr's study of 500 travel businesses (only 4% satisfied with payments) is the kind of "data-led study" the new Digital PR role is hired to run. One survey is a blog post; a recurring index is a press calendar.

    High impactMedium effort First result in 1 quarter Digital PR & Social Media Man…

    First action

    Re-run the five core questions with the next panel.

    How to measure it

    Earned media pieces

    Now
    –
    Target
    15 per study
    By
    2 quarters

    Steps

    1. 1

      Fix questions

      Five core questions kept each wave.

      Digital PR & Social Media Manager 1 week

    2. 2

      Field

      Panel of 500 by country.

      Digital PR & Social Media Manager 1 month

    3. 3

      Analyze

      Index and changes.

      Senior Product Marketing Manager 2 weeks

    4. 4

      Publish

      Report, charts, LinkedIn posts.

      Digital PR & Social Media Manager 1 week

    5. 5

      Pitch

      Trade and finance press.

      Digital PR & Social Media Manager 2 weeks

    6. 6

      US version

      Lenders and wage-access platforms.

      VP Market Development - US 1 quarter

    First result
    1 quarter
    Cost
    Panel costs
    Owner
    Digital PR & Social Media Manager

    Smallest test

    Publish one new chart from the existing data.

    Why it works

    Repeat the travel survey twice a year with the same questions by country, publish an index with charts for LinkedIn and press, and run a US version for lenders and wage-access platforms to support the US launch.

    Repeated data earns repeat coverage and gives the US team a reason to be in the news before it has US references.

    Risks and how to handle them

    • Small samples by country

      Report only countries with enough answers.

    Evidence

    • Your websiteTravel research and events: a Modulr study of 500 travel businesses across the UK, France, Spain and Italy found "just 4%" satisfied with their payment processes; the site has event pages for WTM 2024 and 2025 and ITB Berlin, and a travel page built "for OTAs, TMCs, Tour Operators and travel intermediaries" with Visa and Mastercard virtual cards.Source
    • HiringDigital PR & Social Media Manager (posted October 2, 2026): content for "LinkedIn, Instagram, TikTok, and X"; "digital PR campaigns, including press releases, data-led studies, and reactive commentary"; and "something genuinely new for us: how Modulr engages with brands and partners to help us improve AI visibility".Source
    • HiringVP Market Development - US (East Coast, posted September 18, 2026): build "the US sales organization from scratch" across "three segments - earned wage access, business payments, and non-bank lending"; Modulr "has launched the same programmable, API-first infrastructure across ACH, RTP, FedNow, and push-to-card networks"; the VP will "Execute on warm pipeline from existing UK customers with US operations and convert pilot customer references into scalable commercial motion" and "drive brand presence through speaking engagements and industry conferences".Source
  • 12

    The Digital PR role is asked to build "something genuinely new": how Modulr works with brands and partners to improve AI visibility. Modulr already speaks to AI coding tools through its MCP connector, but its marketing site has no /llms.txt and its glossary and guides are not structured as answers.

    High impactMedium effort First result in 1 quarter Digital PR & Social Media Man…

    First action

    Ask five assistants the top ten questions and record who is cited.

    How to measure it

    Questions where Modulr is cited

    Now
    –
    Target
    20 of 50
    By
    2 quarters

    Steps

    1. 1

      List questions

      50 buyer questions by vertical.

      Digital PR & Social Media Manager 1 week

    2. 2

      Baseline

      Who is cited today.

      Digital PR & Social Media Manager 1 week

    3. 3

      Answer pages

      Glossary and guides as answers.

      Senior Product Marketing Manager 1 month

    4. 4

      llms.txt

      Publish a site summary file.

      Marketing Operations Lead 1 day

    5. 5

      Partner content

      Data in trade and partner pieces.

      Digital PR & Social Media Manager 1 quarter

    6. 6

      Re-check

      Monthly citation test.

      Digital PR & Social Media Manager monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Digital PR & Social Media Manager

    Smallest test

    Rewrite the VRP glossary entry as a direct answer.

    Why it works

    List the 50 questions buyers ask assistants (for example "how do lenders use VRP", "best virtual card provider for TMCs"), check which sources are cited today, publish clear answer pages and a /llms.txt, and place Modulr data in partner and trade content that assistants cite.

    Finance buyers increasingly start research in assistants; being the cited source is the new top of funnel.

    Risks and how to handle them

    • Assistants change sources often

      Track monthly and keep pages current.

    Evidence

    • HiringDigital PR & Social Media Manager (posted October 2, 2026): content for "LinkedIn, Instagram, TikTok, and X"; "digital PR campaigns, including press releases, data-led studies, and reactive commentary"; and "something genuinely new for us: how Modulr engages with brands and partners to help us improve AI visibility".Source
    • News coverageModulr newsroom: an MCP connector launched 2 September 2026 lets developers using "Claude, Cursor, Codex and ChatGPT" prototype Modulr integrations "up to 3x faster"; on 14 October 2026 Modulr said it is building "purpose-built AI open models powered by NVIDIA" that run "inside Modulr's growing network of AI agents"; in February 2026 it reported "net profit on a full-year basis in 2025".Source
    • Your websiteDeveloper and answer surfaces: API docs and sandbox at modulr.readme.io and a /glossary page; /llms.txt returns 404 (checked October 22, 2026).Source
  • 13

    Modulr says its MCP connector lets developers using Claude, Cursor, Codex and ChatGPT prototype integrations up to 3x faster. That is a reason for platform engineers to try Modulr before sales is involved, but nothing ties those prototypes to pipeline.

    High impactMedium effort First result in 1 quarter Senior Product Manager US Pay…

    First action

    Count sandbox accounts created since the MCP launch.

    How to measure it

    Sandbox accounts becoming opportunities

    Now
    –
    Target
    10%
    By
    2 quarters

    Steps

    1. 1

      Write prompts

      Three vertical starter prompts.

      Senior Product Manager - US Payments 1 week

    2. 2

      Docs page

      MCP quick start with prompts.

      Senior Product Manager - US Payments 1 week

    3. 3

      Signals

      First successful API call event.

      RevOps Director 2 weeks

    4. 4

      Route

      Alert to the vertical team.

      RevOps Director 1 week

    5. 5

      Follow up

      A solutions engineer offers a review.

      Solutions Engineering ongoing

    6. 6

      Measure

      Sandbox to opportunity.

      RevOps Director monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Senior Product Manager US Payments

    Smallest test

    Publish one starter prompt in the docs.

    Why it works

    Publish three ready-made prompts (pay-outs for a lending app, payroll runs, virtual cards per booking), ask for sandbox signup to use them, and alert the right vertical team when a sandbox account makes its first successful call.

    Engineers who have a working prototype are the warmest platform leads there are.

    Risks and how to handle them

    • Hobbyists in the sandbox

      Score by company domain and usage before routing.

    Evidence

    • News coverageModulr newsroom: an MCP connector launched 2 September 2026 lets developers using "Claude, Cursor, Codex and ChatGPT" prototype Modulr integrations "up to 3x faster"; on 14 October 2026 Modulr said it is building "purpose-built AI open models powered by NVIDIA" that run "inside Modulr's growing network of AI agents"; in February 2026 it reported "net profit on a full-year basis in 2025".Source
    • Your websiteDeveloper and answer surfaces: API docs and sandbox at modulr.readme.io and a /glossary page; /llms.txt returns 404 (checked October 22, 2026).Source
    • HiringRevOps Director (posted October 2, 2026): "Implement AI-powered lead scoring, intent signals, and predictive pipeline management"; govern "win rates by segment and channel, time-to-close, and multi-touch attribution"; design onboarding "so new sellers ramp in under 90 days". The GTM/Sales Enablement Manager embeds MEDDICC and manages "playbooks, competitor comparisons, objection handling, competitive intelligence and the GTM Hub", "with a focus on reducing time-to-first-deal".Source
  • 14

    The travel partnerships hires will sign GDS, OTA, TMC and travel SaaS partners on revenue share, referral and embedded models, and the travel page sells interchange and margin. Partners need to show their own customers the money.

    High impactHigh effort First result in 2 quarters Strategic Partnerships Manager

    First action

    List the ten travel platforms with the most shared customers.

    How to measure it

    Travel deals via partners

    Now
    –
    Target
    10 a quarter
    By
    3 quarters

    Steps

    1. 1

      Target list

      GDS, OTA, TMC and SaaS.

      Strategic Partnerships Manager, Travel 2 weeks

    2. 2

      Calculator

      Interchange and fees saved.

      Senior Product Marketing Manager 1 month

    3. 3

      Embed guide

      Technical and commercial.

      Solutions Engineering 1 month

    4. 4

      Co-branded pages

      Template per partner.

      Marketing Operations Lead 2 weeks

    5. 5

      Sign two

      Launch partners.

      Strategic Partnerships Manager, Travel 1 quarter

    6. 6

      Measure

      Deals by partner.

      RevOps Director monthly

    First result
    2 quarters
    Cost
    Design and engineering time
    Owner
    Strategic Partnerships Manager, Travel

    Smallest test

    Build the calculator as a spreadsheet for one partner.

    Build the prospect list. The list compiled from public sources, verified, deduplicated and delivered to your CRM. Usually live within days.

    Book a working session

    Why it works

    Build a partner kit: an interchange and fee-savings calculator, an embed guide, co-branded pages, and a referral link with tracking. Launch it with two travel SaaS partners at the next industry event.

    Partners sell what is easy to explain; a calculator turns interchange into a number their customers understand.

    Risks and how to handle them

    • Partners push competitors too

      Better tools and faster support win share.

    Evidence

    • HiringStrategic Partnerships Manager, Travel (London and Amsterdam): build "a pipeline of target travel partners: GDS, intermediaries, aggregators, OTAs, TMCs and travel SaaS platforms"; "Structure and negotiate partnership commercial models - revenue share, referral and embedded"; "Represent Modulr at travel industry events"; "Business-level fluency in Spanish" is a nice to have; "With strong momentum in Travel and virtual card payment channels, we're scaling our partnerships team".Source
    • Your websiteTravel research and events: a Modulr study of 500 travel businesses across the UK, France, Spain and Italy found "just 4%" satisfied with their payment processes; the site has event pages for WTM 2024 and 2025 and ITB Berlin, and a travel page built "for OTAs, TMCs, Tour Operators and travel intermediaries" with Visa and Mastercard virtual cards.Source
    • Your websiteIntegrations page: Sage 50, Sage 200, Xero, BrightPay, QuickBooks, HiBob, Nomi, Staffology and IRIS, among others; the sitemap has referral pages for Sage, BrightPay and Accentra.Source
  • 15

    Demand generation says the SME motion runs largely through accountants who introduce their own clients, and is hiring an SME and accountant specialist and partner marketing. Today the accountants page asks firms to "Join our referral plan. Speak to our team."

    High impactMedium effort First result in 1 quarter Head of Demand Generation

    First action

    Count referrals per practice over the last year.

    How to measure it

    Practice-referred clients

    Now
    –
    Target
    +30%
    By
    2 quarters

    Steps

    1. 1

      Baseline

      Referrals per practice.

      RevOps Director 1 week

    2. 2

      Links

      Tracked link per practice.

      Marketing Operations Lead 2 weeks

    3. 3

      Kit

      Email, explainer, slides.

      Senior Product Marketing Manager 2 weeks

    4. 4

      Launch

      To active practices.

      Head of Demand Generation 1 week

    5. 5

      Report

      Monthly to each practice.

      Marketing Operations Lead monthly

    6. 6

      Recognize

      Top practices as case studies.

      Senior Product Marketing Manager quarterly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Head of Demand Generation

    Smallest test

    Send tracked links to the 20 most active practices.

    Why it works

    Give every partner practice a tracked link, a client invitation email, a one-page client explainer and a monthly report of clients onboarded. Feature the best practices in case studies.

    Accountants refer when it takes one minute and makes them look good to clients.

    Risks and how to handle them

    • Practices want commission

      Offer the existing referral terms clearly on the page.

    Evidence

    • HiringHead of Demand Generation (London): "You own the demand number across four priority verticals and two distinct go-to-market motions": Travel, Lending, corporate business payments and SME/accountants. The enterprise and mid-market motion "is sales-led and considered"; the SME motion "runs largely through accountants, who introduce their own clients". Seats to hire: "an SME and accountant specialist, partner and channel marketing, a dedicated outbound capability, and events support"; the head must "know your conversion rates and cost per meeting" and "Take paid acquisition to the next level". Each vertical "pairs a demand generation owner with a product marketer working as one unit".Source
    • Your websitePricing for Business: bundle plans Bronze £30 a month (80 payments, +£0.80 each extra), Silver £110 (500 payments, "Most popular") and Platinum £500 (3,000 payments, API access), each with a "Buy now" button and a GBP/EUR switch. Pricing for Accountants: a "Delegate plan" with "Launch Promotion - No fee for Delegate Access" and "Join our referral plan. Speak to our team."Source
    • Your websiteCase studies (30 in the sitemap, checked October 22, 2026): most are accountants, payroll bureaus and SMEs (for example Williams Stanley, Gooding Accounts, Pixie Payroll, Makars Mash); travel has one (I Need Tours); lending and wage advance have Funding Circle and Hastee; none is a US customer.Source
    • Your websiteIntegrations page: Sage 50, Sage 200, Xero, BrightPay, QuickBooks, HiBob, Nomi, Staffology and IRIS, among others; the sitemap has referral pages for Sage, BrightPay and Accentra.Source
  • 16

    The RevOps Director is asked to implement AI lead scoring and intent signals. Modulr has strong signals of its own: pricing-page visits by vertical, sandbox activity, integration pages viewed (Sage, Xero, HiBob) and US page visits.

    High impactHigh effort First result in 2 quarters RevOps Director

    First action

    List the ten signals most common in won deals.

    How to measure it

    Win rate of high-score accounts

    Now
    –
    Target
    2x average
    By
    3 quarters

    Steps

    1. 1

      Signals

      Pick ten from won deals.

      RevOps Director 2 weeks

    2. 2

      Collect

      Site, sandbox and CRM data.

      Marketing Operations Lead 1 month

    3. 3

      Model

      Score per account.

      RevOps Director 1 month

    4. 4

      Route

      To the vertical pod.

      RevOps Director 2 weeks

    5. 5

      Train

      How sellers use the score.

      GTM/Sales Enablement Manager 1 week

    6. 6

      Review

      Accuracy vs won deals.

      RevOps Director quarterly

    First result
    2 quarters
    Cost
    Data tooling
    Owner
    RevOps Director

    Smallest test

    Score last quarter's leads by hand and compare.

    Why it works

    Combine those signals with firmographics into one score per account, route high scores to the right pod within a day, and review accuracy against won deals each quarter.

    Sellers spend time on accounts already moving, and the pods see which content creates intent.

    Risks and how to handle them

    • Privacy rules

      Use company-level signals and consented data.

    Evidence

    • HiringRevOps Director (posted October 2, 2026): "Implement AI-powered lead scoring, intent signals, and predictive pipeline management"; govern "win rates by segment and channel, time-to-close, and multi-touch attribution"; design onboarding "so new sellers ramp in under 90 days". The GTM/Sales Enablement Manager embeds MEDDICC and manages "playbooks, competitor comparisons, objection handling, competitive intelligence and the GTM Hub", "with a focus on reducing time-to-first-deal".Source
    • Your websiteIntegrations page: Sage 50, Sage 200, Xero, BrightPay, QuickBooks, HiBob, Nomi, Staffology and IRIS, among others; the sitemap has referral pages for Sage, BrightPay and Accentra.Source
    • News coverageModulr newsroom: an MCP connector launched 2 September 2026 lets developers using "Claude, Cursor, Codex and ChatGPT" prototype Modulr integrations "up to 3x faster"; on 14 October 2026 Modulr said it is building "purpose-built AI open models powered by NVIDIA" that run "inside Modulr's growing network of AI agents"; in February 2026 it reported "net profit on a full-year basis in 2025".Source
  • 17

    Modulr is hiring a US sales team, SDRs, AEs and partnership managers, and wants new sellers to ramp in under 90 days with MEDDICC and AI call insights.

    Medium impactMedium effort First result in 1 quarter GTM/Sales Enablement Manager

    First action

    Pick ten moments from the best recorded calls.

    How to measure it

    Median days to first deal

    Now
    –
    Target
    -25%
    By
    3 quarters

    Steps

    1. 1

      Find moments

      From call recordings.

      GTM/Sales Enablement Manager 2 weeks

    2. 2

      Plan

      Ramp by role.

      GTM/Sales Enablement Manager 2 weeks

    3. 3

      Content

      Competitor comparisons and stories.

      Senior Product Marketing Manager 1 month

    4. 4

      Certify

      Day 30 MEDDICC check.

      GTM/Sales Enablement Manager ongoing

    5. 5

      US version

      US rails and segments.

      VP Market Development - US 1 month

    6. 6

      Measure

      Time to first deal.

      RevOps Director quarterly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    GTM/Sales Enablement Manager

    Smallest test

    Run the plan with the next two hires.

    Why it works

    Build a ramp plan by role: the ten call moments that decide deals (from recorded calls), the competitor comparisons and stories to use, certification at day 30, and a first-deal target. Track time to first deal per hire.

    Faster ramp is the cheapest growth for a team that is hiring in several markets at once.

    Risks and how to handle them

    • Plans go stale

      Refresh moments each quarter.

    Evidence

    • HiringRevOps Director (posted October 2, 2026): "Implement AI-powered lead scoring, intent signals, and predictive pipeline management"; govern "win rates by segment and channel, time-to-close, and multi-touch attribution"; design onboarding "so new sellers ramp in under 90 days". The GTM/Sales Enablement Manager embeds MEDDICC and manages "playbooks, competitor comparisons, objection handling, competitive intelligence and the GTM Hub", "with a focus on reducing time-to-first-deal".Source
    • HiringVP Market Development - US (East Coast, posted September 18, 2026): build "the US sales organization from scratch" across "three segments - earned wage access, business payments, and non-bank lending"; Modulr "has launched the same programmable, API-first infrastructure across ACH, RTP, FedNow, and push-to-card networks"; the VP will "Execute on warm pipeline from existing UK customers with US operations and convert pilot customer references into scalable commercial motion" and "drive brand presence through speaking engagements and industry conferences".Source
    • HiringHead of Product Marketing and Senior Product Marketing Manager (London): "In a crowded payments market, the sharper we are on who we serve and why we win, the harder every campaign, every launch and every sales conversation works"; run "customer conversations, win/loss and voice-of-customer work as a standing habit rather than an annual project"; positioning for "Travel and Lending solutions"; assets include "competitive competitor comparisons and win stories"; "Drive the quality and consistency of vertical storytelling across the website".Source

Big bets 3

Larger plays that can change the trajectory.

  • 18

    The US plan names earned wage access first among three segments, Modulr already serves wage-advance firms such as Hastee, and its UK growth runs through payroll and HR integrations (BrightPay, Sage, HiBob). US wage-access platforms need instant pay-outs on RTP and FedNow.

    High impactHigh effort First result in 4 quarters VP Market Development US

    First action

    List US wage-access platforms and their current payment providers.

    How to measure it

    US EWA providers live

    Now
    –
    Target
    5
    By
    4 quarters

    Steps

    1. 1

      Map market

      EWA providers and payroll platforms.

      VP Market Development - US 1 month

    2. 2

      Package

      US EWA proposition.

      Senior Product Manager - US Payments 1 month

    3. 3

      Partners

      Two payroll or HR platforms.

      VP Market Development - US 2 quarters

    4. 4

      Pilot

      Three providers.

      Senior Product Manager - US Payments 2 quarters

    5. 5

      Story

      First US case study.

      Senior Product Marketing Manager 1 month

    6. 6

      Scale

      Outbound to the rest.

      VP Market Development - US ongoing

    First result
    4 quarters
    Cost
    US team costs
    Owner
    VP Market Development US

    Smallest test

    Interview five US EWA providers about pay-out pain.

    Why it works

    Package a US EWA offer (per-worker accounts, instant pay-outs, collection from payroll), sign two US payroll or HR platforms as integration partners, and run a pilot with three wage-access providers.

    A focused first segment with partners gives the US team repeatable deals instead of one-offs.

    Risks and how to handle them

    • US EWA regulation varies by state

      Get state-level legal advice before launch.

    Evidence

    • HiringVP Market Development - US (East Coast, posted September 18, 2026): build "the US sales organization from scratch" across "three segments - earned wage access, business payments, and non-bank lending"; Modulr "has launched the same programmable, API-first infrastructure across ACH, RTP, FedNow, and push-to-card networks"; the VP will "Execute on warm pipeline from existing UK customers with US operations and convert pilot customer references into scalable commercial motion" and "drive brand presence through speaking engagements and industry conferences".Source
    • News coverageModulr press release, 23 September 2026: a partnership with Cogent Bank gives businesses access to "ACH, RTP, and FedNow networks through a single, streamlined platform"; "Existing and new Modulr customers can open U.S. accounts and make same-day and standard pay-outs"; it is "built for current Modulr customers scaling into the U.S." and "U.S.-native platforms" in "lending, earned wage access and payroll"; the release cites FedNow processing "$853bn in 2025".Source
    • Your websiteLending & Wage Advance page: "Trusted by 50+ lenders"; "One integration for disbursements and collections", "Flat, transparent costs" and "Multi-rail retries with Pay by Bank and VRP"; an account layer for "earned wage access, merchant cash advance and revenue-based finance".Source
    • Your websiteIntegrations page: Sage 50, Sage 200, Xero, BrightPay, QuickBooks, HiBob, Nomi, Staffology and IRIS, among others; the sitemap has referral pages for Sage, BrightPay and Accentra.Source
    • Your websiteCase studies (30 in the sitemap, checked October 22, 2026): most are accountants, payroll bureaus and SMEs (for example Williams Stanley, Gooding Accounts, Pixie Payroll, Makars Mash); travel has one (I Need Tours); lending and wage advance have Funding Circle and Hastee; none is a US customer.Source
  • 19

    Modulr processes more than 200 million transactions and £180bn a year across payroll, supplier payments, lending and travel. No other firm can show how UK and European businesses actually pay staff and suppliers.

    High impactHigh effort First result in 3 quarters Founder & CEO

    First action

    Pick ten questions finance leaders ask most.

    How to measure it

    Downloads

    Now
    –
    Target
    5,000
    By
    1 year

    Steps

    1. 1

      Questions

      Ten finance-team questions.

      Head of Product Marketing 2 weeks

    2. 2

      Analyze

      Aggregated transaction data.

      Data team 2 months

    3. 3

      Privacy review

      No customer identifiable.

      Legal 1 month

    4. 4

      Write

      Report and charts.

      Senior Product Marketing Manager 1 month

    5. 5

      Launch

      Press, LinkedIn, webinar.

      Digital PR & Social Media Manager 1 month

    6. 6

      Use

      In outbound and decks.

      Head of Demand Generation ongoing

    First result
    3 quarters
    Cost
    Analyst time
    Owner
    Founder & CEO

    Smallest test

    Publish one chart on payday timing.

    Why it works

    Publish an annual report of aggregated trends: payday timing, failed payment rates by rail, supplier payment speed, the shift to VRP, travel card use. Launch it with press, LinkedIn and a webinar.

    Original data earns links, press and AI citations, and gives every pod a reason to call.

    Risks and how to handle them

    • Data sensitivity

      Aggregate and suppress small groups.

    Evidence

    • News coverageModulr newsroom: an MCP connector launched 2 September 2026 lets developers using "Claude, Cursor, Codex and ChatGPT" prototype Modulr integrations "up to 3x faster"; on 14 October 2026 Modulr said it is building "purpose-built AI open models powered by NVIDIA" that run "inside Modulr's growing network of AI agents"; in February 2026 it reported "net profit on a full-year basis in 2025".Source
    • HiringDigital PR & Social Media Manager (posted October 2, 2026): content for "LinkedIn, Instagram, TikTok, and X"; "digital PR campaigns, including press releases, data-led studies, and reactive commentary"; and "something genuinely new for us: how Modulr engages with brands and partners to help us improve AI visibility".Source
    • Your websiteLocalized pages: the Spanish homepage stats read "+200 M De transacciones", "+210 B€ Procesados anualmente" and "€12.87 Cuentas activas", where the English page says "11 M+ Active accounts"; the French homepage labels the transaction count "200 M+ d'euros de transactions" and shows a pop-up saying most pages are only in English; no hreflang tags on the English, Spanish or French homepages. The accountants page says "£105 B+ Annualised payments volume" while the homepage and press say £180bn.Source
  • 20

    Modulr is building AI models for payment operations with NVIDIA and already has an MCP connector for developers. Finance teams are starting to use assistants for routine work; a safe way to let them prepare payment runs with human approval is a new category.

    High impactHigh effort First result in 4 quarters Senior Product Manager US Pay…

    First action

    Ask ten customers which payment tasks they would let an assistant draft.

    How to measure it

    Pilot customers active

    Now
    –
    Target
    10
    By
    4 quarters

    Steps

    1. 1

      Interview

      Ten finance teams.

      Senior Product Manager - US Payments 1 month

    2. 2

      Design

      Draft, check, approve flow.

      Senior Product Manager - US Payments 1 quarter

    3. 3

      Controls

      Limits and audit trail.

      Risk and Compliance 1 quarter

    4. 4

      Pilot

      Ten customers.

      Senior Product Manager - US Payments 1 quarter

    5. 5

      Publish

      Controls and results.

      Head of Product Marketing 1 month

    6. 6

      Launch

      Campaign and PR.

      Digital PR & Social Media Manager 1 month

    First result
    4 quarters
    Cost
    Product and engineering time
    Owner
    Senior Product Manager US Payments

    Smallest test

    Prototype one assistant-drafted payroll run in the sandbox.

    Why it works

    Extend the connector so an assistant can draft payroll or supplier runs, check payees and route them for approval in the Modulr portal, with full audit trails. Launch with ten customers and publish the controls.

    Being the safe payments layer for AI agents is a differentiated story in a crowded market.

    Risks and how to handle them

    • Fear of AI moving money

      Keep humans approving every run.

    Evidence

    • News coverageModulr newsroom: an MCP connector launched 2 September 2026 lets developers using "Claude, Cursor, Codex and ChatGPT" prototype Modulr integrations "up to 3x faster"; on 14 October 2026 Modulr said it is building "purpose-built AI open models powered by NVIDIA" that run "inside Modulr's growing network of AI agents"; in February 2026 it reported "net profit on a full-year basis in 2025".Source
    • HiringMarketing Operations Lead: "make the funnel legible from first touch through to closed won"; configure the technology so marketers can "launch campaigns, build pages, pull their own numbers and test their own ideas, without a request queue in front of them"; Modulr "is becoming a genuinely AI-forward business".Source
    • HiringHead of Product Marketing and Senior Product Marketing Manager (London): "In a crowded payments market, the sharper we are on who we serve and why we win, the harder every campaign, every launch and every sales conversation works"; run "customer conversations, win/loss and voice-of-customer work as a standing habit rather than an annual project"; positioning for "Travel and Lending solutions"; assets include "competitive competitor comparisons and win stories"; "Drive the quality and consistency of vertical storytelling across the website".Source

Wildcards 2

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

  • 21

    Modulr offers local IBANs in Spain, surveyed Spanish travel businesses, has a Spanish homepage and lists Spanish as a plus for the travel partnerships role. But the Spanish site is a homepage and a contact page only; there is no Spanish travel page.

    Medium impactMedium effort First result in 2 quarters Strategic Partnerships Manager

    First action

    Pull the Spanish answers from the travel survey.

    How to measure it

    Leads from Spain

    Now
    –
    Target
    +50%
    By
    3 quarters

    Steps

    1. 1

      Translate

      Travel page.

      Strategic Partnerships Manager, Travel 2 weeks

    2. 2

      Localize data

      Spanish survey findings.

      Digital PR & Social Media Manager 1 week

    3. 3

      Stories

      Two in Spanish.

      Senior Product Marketing Manager 1 month

    4. 4

      hreflang

      Link languages.

      Marketing Operations Lead 1 day

    5. 5

      Outreach

      Spanish OTAs and operators.

      Strategic Partnerships Manager, Travel 1 quarter

    6. 6

      Measure

      Leads by country.

      RevOps Director monthly

    First result
    2 quarters
    Cost
    Translation costs
    Owner
    Strategic Partnerships Manager, Travel

    Smallest test

    Publish the Spanish travel page.

    Why it works

    Translate the travel page and two travel stories into Spanish, add Spanish survey findings, and use them for Spanish OTAs and tour operators at events and in outreach.

    Spanish travel intermediaries are a large market and will engage more in their own language.

    Risks and how to handle them

    • Thin local support

      State support languages clearly.

    Evidence

    • Your websiteLocalized pages: the Spanish homepage stats read "+200 M De transacciones", "+210 B€ Procesados anualmente" and "€12.87 Cuentas activas", where the English page says "11 M+ Active accounts"; the French homepage labels the transaction count "200 M+ d'euros de transactions" and shows a pop-up saying most pages are only in English; no hreflang tags on the English, Spanish or French homepages. The accountants page says "£105 B+ Annualised payments volume" while the homepage and press say £180bn.Source
    • HiringStrategic Partnerships Manager, Travel (London and Amsterdam): build "a pipeline of target travel partners: GDS, intermediaries, aggregators, OTAs, TMCs and travel SaaS platforms"; "Structure and negotiate partnership commercial models - revenue share, referral and embedded"; "Represent Modulr at travel industry events"; "Business-level fluency in Spanish" is a nice to have; "With strong momentum in Travel and virtual card payment channels, we're scaling our partnerships team".Source
    • Your websiteTravel research and events: a Modulr study of 500 travel businesses across the UK, France, Spain and Italy found "just 4%" satisfied with their payment processes; the site has event pages for WTM 2024 and 2025 and ITB Berlin, and a travel page built "for OTAs, TMCs, Tour Operators and travel intermediaries" with Visa and Mastercard virtual cards.Source
  • 22

    Modulr reported full-year net profit for 2025, enters its tenth year, and holds principal Visa and Mastercard memberships and direct central bank access. Enterprise and platform buyers weigh provider stability heavily, but these facts sit in press releases and job posts.

    Medium impactLow effort First result in 1 month Founder & CEO

    First action

    Draft the block with Finance and Compliance.

    How to measure it

    Enterprise page to demo rate

    Now
    –
    Target
    +10%
    By
    2 quarters

    Steps

    1. 1

      Draft

      Facts and sources.

      Head of Product Marketing 1 week

    2. 2

      Approve

      Finance and Compliance.

      Legal 1 week

    3. 3

      Build

      Shared module.

      Marketing Operations Lead 2 days

    4. 4

      Place

      Enterprise, lending, travel, US pages.

      Marketing Operations Lead 1 day

    5. 5

      Use in sales

      Deck slide.

      GTM/Sales Enablement Manager 1 week

    6. 6

      Measure

      Demo rate by page.

      RevOps Director monthly

    First result
    1 month
    Cost
    $0
    Owner
    Founder & CEO

    Smallest test

    Add the block to the lending page.

    Why it works

    Add a "why trust us" block to enterprise, lending, travel and US pages: profitability, years operating, scheme memberships, backers and volumes, with links to the evidence.

    Stability is a buying criterion for mission-critical payments and a reason to switch from less established providers.

    Risks and how to handle them

    • Claims need upkeep

      Update with each annual result.

    Evidence

    • News coverageModulr newsroom: an MCP connector launched 2 September 2026 lets developers using "Claude, Cursor, Codex and ChatGPT" prototype Modulr integrations "up to 3x faster"; on 14 October 2026 Modulr said it is building "purpose-built AI open models powered by NVIDIA" that run "inside Modulr's growing network of AI agents"; in February 2026 it reported "net profit on a full-year basis in 2025".Source
    • HiringHead of Demand Generation (London): "You own the demand number across four priority verticals and two distinct go-to-market motions": Travel, Lending, corporate business payments and SME/accountants. The enterprise and mid-market motion "is sales-led and considered"; the SME motion "runs largely through accountants, who introduce their own clients". Seats to hire: "an SME and accountant specialist, partner and channel marketing, a dedicated outbound capability, and events support"; the head must "know your conversion rates and cost per meeting" and "Take paid acquisition to the next level". Each vertical "pairs a demand generation owner with a product marketer working as one unit".Source
    • HiringVP Market Development - US (East Coast, posted September 18, 2026): build "the US sales organization from scratch" across "three segments - earned wage access, business payments, and non-bank lending"; Modulr "has launched the same programmable, API-first infrastructure across ACH, RTP, FedNow, and push-to-card networks"; the VP will "Execute on warm pipeline from existing UK customers with US operations and convert pilot customer references into scalable commercial motion" and "drive brand presence through speaking engagements and industry conferences".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.

Have it built

ProgrammableAgency

1 of the 22 ideas are things Programmable builds and runs for its customers: pages, outreach, prospect lists, booking flows and monitors. Pick one, or send the whole list.

Prospect lists1The list compiled from public sources, verified, deduplicated and delivered to your CRM.

A 30-minute session with the engineer who would build it, not a sales call. You leave with a plan whether or not you hire us.

Book a working session

Usually live within days.

Tools for the rest

ProgrammableInfo

Turn the research into a list you can act on

These ideas start with finding the right companies. Info finds them and the right person at each, researches every one and drafts the outreach, then asks before it sends.

  • Build this list in Info for idea #21 (opens programmable.info 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 23, 2026, and cites them throughout. Modulr did not commission, review or endorse it, and Programmable is not affiliated with Modulr. 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 Modulr runs its business.

Something wrong, or do you represent Modulr? 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

    US front door, localized figures, one stats set, homepage "See plans", travel stories and lean landing pages.

  2. Days 31 to 6013 ideas

    Existing-customer US campaign, comparison pages, pod scorecards, win/loss, the survey index, AI visibility, MCP as a lead source, the travel partner kit, accountant referrals, intent scoring and seller ramp; the Spanish travel page and trust block.

  3. Days 61 to 903 ideas

    Commit to the big bets: US earned wage access via payroll partners, the annual payments report and assistant-run payments with approvals.

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 paying staff and suppliers in minutes instead of hours. The most cited problem: manual payment runs and reconciliation.

  • Integrations with Sage, Xero and BrightPay
  • Slow disbursements and failed collections
  • In their words: “pay runs”

Market

Competitive landscape

3 competitors compared: Modern Treasury, Dwolla and Airwallex.

  • Gap to exploit: One platform for businesses on both sides of the Atlantic
  • Modern Treasury: Less depth in UK and European rails
  • Dwolla: US only

Hiring signals

Modulr is building a measurable marketing engine and a new market at the same time.

  • VP Market Development - US: US sales built from scratch for EWA, business payments and lending. Ideas 1, 7, 18.
  • Senior Product Manager - US Payments: Package and sell the US proposition. Ideas 1, 13, 20.
  • Head of Demand Generation: Four verticals, two motions, cost per meeting. Ideas 4, 9, 15.

From the team that wrote this playbook

All products
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