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Knowledge Base

Operations

Operational expenses by category: integration, transactional, subscriptions, merchandise, and other. Each expense is linked to months on the timeline.

Expense Types

Periodic (periodic)

Expense=Amount\text{Expense} = \text{Amount}

Fixed monthly amount (rent, subscriptions, licenses).

Used in: operationalExpenses → totalMonthlyCost.

Affects: Variable expenses → P&L, Gross Margin.

Per Unit / Sale (per_unit)

Expense=Amount×New Customers\text{Expense} = \text{Amount} \times \text{New Customers}

Fixed amount per each new card (card production, welcome kit).

Used in: operationalExpenses → totalMonthlyCost.

Affects: Variable expenses → P&L, Gross Margin.

Per Active Card (per_active_unit)

Expense=Amount×Active Customers\text{Expense} = \text{Amount} \times \text{Active Customers}

Fixed amount per each active card (servicing, support).

Used in: operationalExpenses → totalMonthlyCost.

Affects: Variable expenses → P&L, Gross Margin.

Percentage of Turnover (percentage_of_base)

Expense=Base Value×Amount100Bases: Retail Turnover, P2P Turnover,ATM Turnover, Total Turnover\begin{aligned}\text{Expense} &= \text{Base Value} \times \frac{\text{Amount}}{100} \\\\&\text{Bases: Retail Turnover, P2P Turnover,} \\&\text{ATM Turnover, Total Turnover}\end{aligned}

Percentage of turnover (transaction costs, processing).

Used in: operationalExpenses → totalMonthlyCost.

Affects: Variable expenses → P&L, Gross Margin.

Related Topics

IncomeTeamFinancialPartnersBuilding a Model