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Parameters

Core model settings that determine all calculations. Each parameter affects the monthly P&L calculation.

Main Parameters

Forecast Period (forecastMonths)

Number of months for the forecast. Determines the length of all monthly data arrays.

Affects: Number of months in calculations, yearly aggregates, investment metrics.

Start Date / Launch Date (startDate, launchDate)

Launch Month Index=(Launch Year−Start Year)×12+(Launch Month−Start Month)\text{Launch Month Index} = (\text{Launch Year} - \text{Start Year}) \times 12 + (\text{Launch Month} - \text{Start Month})

Forecast start date and product launch date. Before the launch month, channel sales are zero. In the launch month, revenue is adjusted proportionally to the remaining days.

Used in: Channel sales calculation, monthly data.

Affects: All sales and income before the launch date are 0.

Activation Rate (activationRate, %)

New Active=New Customers×Activation Rate100\text{New Active} = \text{New Customers} \times \frac{\text{Activation Rate}}{100}

Percentage of new cards that become active in their issuance month.

Used in: activeCards calculation, cohort analysis.

Affects: Active cards → turnover → income → P&L.

Churn Rate (churnRate, %)

Churned Customers=Active Customers×Churn Rate100\text{Churned Customers} = \text{Active Customers} \times \frac{\text{Churn Rate}}{100}

Monthly churn rate as a percentage of the current active card base. When cohort retention is enabled, this is replaced by the retention curve.

Used in: activeCards calculation (simple model), LTV.

Affects: Active cards → all metrics dependent on activeCards.

Average Transaction (avgCheck)

Retail Turnover=Active Customers×Purchases per Card×Avg. Transaction\text{Retail Turnover} = \text{Active Customers} \times \text{Purchases per Card} \times \text{Avg. Transaction}

Average amount per card purchase.

Used in: retailTurnover calculation.

Affects: Retail turnover → percentage_of_base income → P&L.

Purchases per Card (avgPurchasesPerCard)

Average number of purchases per active card per month.

Used in: retailTurnover calculation.

Affects: Retail turnover → income → P&L.

P2P Transfers (avgP2PTransfers, avgP2PAmount)

P2P Turnover=Active Customers×P2P Transfers×P2P Amount\text{P2P Turnover} = \text{Active Customers} \times \text{P2P Transfers} \times \text{P2P Amount}

Average number of P2P transfers and average transfer amount per card per month.

Used in: p2pTurnover calculation.

Affects: P2P turnover → income, expenses based on p2p_turnover.

Cash Withdrawal (avgCashWithdrawal)

ATM Turnover=Active Customers×Cash Withdrawal\text{ATM Turnover} = \text{Active Customers} \times \text{Cash Withdrawal}

Average cash withdrawal amount per card per month.

Used in: atmTurnover calculation.

Affects: ATM turnover → income, expenses based on atm_turnover.

Average Card Balance (avgCardBalance)

Total Balances=Active Customers×Avg. Balance\text{Total Balances} = \text{Active Customers} \times \text{Avg. Balance}

Average card balance. Used for calculating interest income at the annual rate.

Used in: Income based on total_balances (annual rate / 12).

Affects: Interest income on balances.

Fraud Losses (fraudLossRate, %)

Fraud Loss=Total Income×Fraud Rate100\text{Fraud Loss} = \text{Total Income} \times \frac{\text{Fraud Rate}}{100}

Percentage of total monthly income lost to fraud.

Used in: totalMonthlyCost calculation.

Affects: Total expenses → netIncome → bankNetIncome.

Social Tax (socialTaxRate, %)

Social Tax=Effective Salary×Social Tax Rate100\text{Social Tax} = \text{Effective Salary} \times \frac{\text{Social Tax Rate}}{100}

Social contribution rate applied to payroll.

Used in: teamsCost calculation.

Affects: Payroll expenses → totalCost → P&L.

Cohort Retention

Retention Curve (retentionCurve)

Active from Cohort=Cohort Size×Activation RateFor each age month i:Active=Active×(1−Retention Curve[i]100)Total Active Customers=∑Active from Cohort(c,age)\begin{aligned}\text{Active from Cohort} &= \text{Cohort Size} \times \text{Activation Rate} \\\text{For each age month } i&: \\\text{Active} &= \text{Active} \times \left(1 - \frac{\text{Retention Curve}[i]}{100}\right) \\\\\text{Total Active Customers} &= \sum \text{Active from Cohort}(c, \text{age})\end{aligned}

Array of churn percentages by cohort age in months. Enabled by the useCohortRetention flag. Replaces the simple churn model with cohort-based calculation.

Used in: activeCards calculation when useCohortRetention=true.

Affects: Active cards → all derived metrics (turnover, income, Unit Economics).

Card Tier Plans

Weighted Blending (blendTierParams)

Blended Parameter=∑Tier Value×Tier ShareTotal ShareParameters: Avg. Transaction, Purchases per Card,P2P Transfers, P2P Amount, Cash Withdrawal,Avg. Balance, Fiat→Crypto per Card,Crypto→Fiat per Card, Churn Rate\begin{aligned}\text{Blended Parameter} &= \sum \frac{\text{Tier Value} \times \text{Tier Share}}{\text{Total Share}} \\\\&\text{Parameters: Avg. Transaction, Purchases per Card,} \\&\text{P2P Transfers, P2P Amount, Cash Withdrawal,} \\&\text{Avg. Balance, Fiat→Crypto per Card,} \\&\text{Crypto→Fiat per Card, Churn Rate}\end{aligned}

When card tiers are enabled, card parameters are replaced with weighted averages based on tier shares.

Used in: All turnover and client base calculations.

Affects: All card parameters → turnover → income → P&L.

Related Topics

Building a ModelRetentionIncomeChannelsUnit Economics