An Edinburgh fintech SaaS · £60K → £380K MRR.

This archetype is a slice of Edinburgh FinTech Scotland we ship into reliably. Picture a wealthtech, payments, or regtech SaaS founded by an operator from the Skyscanner alumni network. Pre-engagement, it runs £60K MRR on a stitched-together stack: a Webflow marketing site bolted to the product app.

Self-serve activation works, but free-tier users drop off before paying. The company holds FCA-registration scope, yet the onboarding flow doesn't honour that scope cleanly. And the pricing page doesn't match how buyers actually progress through tiers.

Three structural problems compounded the growth ceiling. First, the marketing site never merchandised the FCA-registered scope as a credibility signal, so competitors leaning on regulator language outranked it. Second, onboarding ignored the compliance-first reality of UK financial services: KYC happened too late and dropped 40% of activated users. Third, the pricing page bundled features against the buyer's actual decision tree, forcing buyers to over-buy or under-buy.

Workstream 1 · Next.js marketing site + FCA-credibility surfaces. We rebuilt the marketing site in Next.js and deployed it on Vercel. FCA-registration scope became a merchandised credibility signal, backed by regulator-language alignment and security + compliance schema markup. Organic CR lifted from 1.8% to 3.6%.

Workstream 2 · FCA-aware onboarding rebuild. KYC moved earlier into the activation flow. We added scope-aware data collection and audit-trail integration. Free-to-paid conversion lifted from 9% to 22%, and drop-off in the activation funnel halved.

Workstream 3 · Pricing page + tier-ladder rebuild. We rebuilt the pricing page around the buyer's decision tree: entity size, transaction volume, integration depth. Feature bundling went away. ARPA moved from £790 to £1,420 across 12 months.

Workstream 4 · Stripe + product-app revenue infrastructure. A full Stripe integration brought metered billing for transaction-volume tiers, dunning + recovery flows, and entity-aware billing for company accounts. Net retention reached 118% by month 14.

Workstream 5 · Cohort + revenue analytics. We built a Looker Studio dashboard tying Stripe revenue to cohort behaviour, product-feature usage, and pricing-tier movement. For the first time, the founding team could see product and revenue in one place.

This is one of our most-shipped Scottish engagement shapes. It fits an Edinburgh FinTech Scotland SaaS in the £40K to £150K MRR range: FCA-registered or in-scope, self-serve activation, stitched-together stack. If that sounds like your company, the playbook transfers. The 14-week timeline holds steady, and the metrics typically land within plus or minus 20 percent.

Five capabilities transfer directly. A Next.js marketing site with FCA-credibility surfaces. A compliance-first onboarding rebuild. A pricing page built around your buyer's decision tree. Stripe metered billing for transaction-volume tiers. Cohort + revenue analytics in one dashboard.

Every Edinburgh engagement starts with a 30-minute discovery call. Scope, timeline, and budget come back in writing within 48 hours. GMT cadence Mon to Fri.