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How does customer lifetime value vary across industries?

CLV correlates with cross-sell depth, retention, advice intensity, premiums and fees. Wealth and insurance have higher CLV due to multi-year holdings;…

CLV correlates with cross-sell depth, retention, advice intensity, premiums and fees. Wealth and insurance have higher CLV due to multi-year holdings; banking is lower frequency except lending; fintech varies by business model.

Indicative CLV drivers:

Wealth: Advice, AUM retention, referral

Insurance: Premium persistency, claims outcomes

Banking: Lending portfolio & cross-sell

Fintech: Unit economics & scale

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