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Model review
What is included in the financial model of the Digital Wallet?
The Financial model of the digital wallet is an editable five-year workbook on seller and buyer acquisitions, transaction fees, subscriptions, costs, scenarios and financial statements.
Use the model to plan how seller and buyer acquisitions become orders, GMV, commission revenue, subscriptions, expenses, cash flow, and profitability over time.
Editable operational assumptions are the source of monthly calculations, while scenarios and reporting views show how changes affect projected financial results over a five-year horizon.
Built for two-way planningBefore combining revenue with transactions and services, the seller and buyer accounts are modelled separately.
Digital wallet revenue engine
How does this digital wallet model calculate revenue?
The model acquires sellers and buyers separately, builds active buyers' cohorts and orders, calculates commissions based on GMV, and then adds monthly seller subscriptions and supplements.
01
Get the users
New sellers and buyers shall equate their separate purchase budgets divided by the corresponding CAC.
02
Level Cohort
Each side should be divided into levels and cohorts should be maintained for the life of each level.
03
Building Order
Purchasers' orders shall combine new purchasers' orders with recurring orders from eligible active cohorts.
04
Commission calculation
Orders and the level of AOV constitute GMV and then charge rates and fixed fees constitute commission.
05
Total revenue
The monthly revenue adds revenue to the commission, seller subscriptions, buyer subscriptions and enabled additional sellers.
Basic formularevenue = Commission revenue + subscriptions + supplements from the seller
01 / Revenue
How to enter revenue from a digital wallet?
Worksheet revenue separates the seller's acquisition from the buyer and then controls the retaining of the seller's levels, order economy, commissions, subscriptions and allowances.
Revenue
Revenue indicates the acquisition, level, order, commission, subscription and additional contributions of the seller.
02 / COGS & OPEX
What are the cost structures in the workbook?
Worksheet COGS & OPEX organises direct costs, variable costs and recurring fixed costs during the forecast period.
The scenario analysis compares the Low, Base, and High cases for revenue, gross margin, contribution margin and EBITDA over five years.
Scenarios
The scenarios compare the paths of Low, Base, and High financial performance over five years.
04 / Dashboard
What Does the Dashboard Bring Together?
You can use the dashboard to review model configurations, scenario checks, basic financial results, a mixture of revenue, profitability, cash flow and payback period of investments in one place.
Dashboard
The Dashboard combines configuration controls, scenario results, basic financial data and management charts.
Product adjustment
Is the financial model of a digital wallet suitable for you?
It is compatible with bilateral portfolio markets using horizontal acquisition, order commissions, subscriptions and seller additions; different revenue structures may require individual modelling.
Model ready
It fits perfectly
Your model is attracting sellers and buyers using separate budgets and CAC assumptions.
You monetize buyers' orders through interest rates and fixed commissions.
You're taking advantage of multi-dimensional lifecycles, repeat order frequency, AOV and subscription.
You want a five-year script, statements, and dashboard results in an editable workbook.
Order structure
Think about the model
Your revenue is not driven by the activities of the seller and the buyer in the market.
You need a completely different cohort, price, or transaction logic.
You need an operational schedule beyond the cost and employment structure of workbook.
You need reporting structures that are vastly different from the statements and views of management in the workbook.
The indicator is the starting point for planning, not a guarantee of performance.
Financial modelling service for orders
Do you need a pattern that meets your requirements?
Financial Models Lab can build or customize a model when your requirements use different revenue logic, operating schedules or reporting structures.
After purchasing, you will receive a fully editable Excel or Google Sheets workbook with five-year forecasts, scenario analysis and financial reporting.
01
Editable workbook
Open and edit the financial model in Excel or Google Sheets.
02
forecast 5-year
Five-year planning with detailed monthly and annual forecasts.
03
Analysis of scenarios
Compare Low, Base, and High cases in key operational and financial products.
04
Financial statements
A review of the income statement, the cash flow, the balance sheet, the summaries and the dashboard views.
Before purchase
Financial model of the digital wallet FAQ
The basic answers are visible in their entirety, without the need to click on the accordion.
01
How does the financial model calculate the digital revenue portfolio?
It calculates the monthly revenue from the buyer's order commission, the seller's subscription, the buyer's subscription and the seller's eligible supplements. Purchasers' orders come from a cohort of new and retained buyers.
02
What assumptions about digital wallets can be changed?
You can change the seller's and buyer's acquisition budgets, CAC, seasonality, level mixes, lifetime, recurring orders, AOV, commission terms, subscriptions and additional seller results.
03
What can I compare between Low, Base, and High scenarios?
The scenario analysis compares the Low, Base, and High variants for revenue, gross margin, contribution margin and EBITDA over five years.
04
What financial results are taken into account?
The results include the income statement, the cash flow report, the balance sheet, the summary, the dashboard, the scenario analysis and the additional management reports shown in the workbook gallery.
05
Can the Financial Models Lab adapt the model to individual requirements?
Yes. the Financial Models Lab offers personalised financial modelling for different revenue logics, operational schedules or reporting structures.
06
Is the workbook a prediction or a guarantee?
This is a planning forecast and not a guarantee of business results, profitability, financing or return.
What Does the Digital Wallet Financial Model Contain?
Download your digital wallet business plan Excel template instantly after purchase and start your financial planning today.
All-in-one Dashboard
Core inputs and core outputs
Low/Base/High
Three scenario analysis
Professional Charts
Presentation ready
ROE Components
DuPont analysis
Revenue Inputs
Researched revenue assumptions
Bank-Ready Reports
Lender-friendly financial outputs
Revenue Breakdown
Revenue stream detailed view
KPI Dashboard
Performance metrics benchmark
Choosing a selection results in a full page refresh.
Revenue
COGS & OPEX
Scenarios
Dashboard
