54
Quality Score
Solid
NLB Pay
Low confidence
✍️ bumetric analysis
“
NLB Pay is an iOS app from NLB d.d. in the Finance category, currently rated 4.5★ across 71 ratings. Initial signal reads as mixed reviews: supporters praise core features while critics cite stability and value gaps.
Quality Score is 54: Solid (established niche player). For a Finance app, that means established niche player. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$5.0K
per month
→
12-mo forecast
$5.2K – $10.8K
per month
→
24-mo forecast
$6.4K – $19.2K
per month
MID tier
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
Loading…
Rating
—
Reviews
—
Forecast Revenue / mo
—
Snapshots tracked
0
since first record
🤖Also on Android
$349/mo · 626 ratings · 3.9★
View →
ONE-TIME · BUILD💰 Estimated build cost
$130K
↳ What it cost to build · not monthly revenue
Likely range $100K – $175K
$25K · MVP floor$100K · indie scale$500K+ · studio build
📈Slow ROI — current MRR is well below build cost
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱MVP baseline (design + 1-store ship) | +$28K |
| 📱5 unique screens × $4.5K | +$22K |
| 📦Asset bundle (74 MB) | +$9K |
| ⚙Finance complexity ×1.60 | +$36K |
| ⚙6.0y maintenance × ~1-person team | +$35K |
Total estimate$130K
🛠 Estimated tech stack
🍎
Native iOS (SwiftUI)
Medium confidence · 70%
Also possible
Flutter
Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.
Signals we read
| 📦App bundle size | 74 MB |
| 🏷Category context | Finance |
| 📦Small-mid iOS bundle | → Native SwiftUI (post-2020 era) |
💀 Maintenance status
Slowing
25%
Last shipped 2026-04-23 · 31 days ago
0 · Active50 · At risk100 · Abandoned
Heuristic risk score from time-since-last-update + ratings velocity proxy + Editor's Choice / curated featuring signals. Calibrated against 2024-2025 app-store ranking decay reports. Not a guarantee — a quiet app with a healthy codebase looks the same as an abandoned one until something breaks. Full math on /methodology.
Risk signals
| 📅31 days since last update | Healthy release cadence |
| 👥Small user base (71 ratings) + 6.0y old | +10% (solo-project pattern) |
VerdictSlowing
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$5.0K/mo · ML-estimated from 234 triggers
Growth rate
+4.0% MoM · MID tier baseline (compound monthly)
Direction
Headwinds: rating drift may slow acquisition
6 months
$4.7K – $7.9K
12 months
$5.2K – $10.8K
24 months
$6.4K – $19.2K
Compound growth at +4.0% MoM (tier baseline for MID). Range widens with horizon — typical noise band ±25% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Below median · 44/100MID TIERunderperforming peersRevenue Strength
3.7
Product Quality
3.6
Market Position
2.0
Growth Velocity
5.0
Defensibility
5.0
Operational Safety
10.0
Founder Strength
5.0
Monetization Maturity
1.0
- 💰 Revenue: Modest — $3K - $7K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.49★ across 71 reviews — weak — significant quality concerns.
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $90K-$160K.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 5 of 5 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| Good rating (4.5★)METRIC | +$800 | |
| Established app (5y old)METRIC | +$800 | |
| Ad-supported / freemiumMETRIC | +$600 | |
| Single-language (English only)METRIC | −$400 | |
| Pre-traction phase (71 ratings)METRIC | −$300 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
App Specs
🔐 Own this app? Claim & verify MRR →💾 74 MB🔞 4+📱 iOS 15.0+🔖 v9.14.0🔄 updated 1mo ago🌐 EN📂 Finance💰 Paid🚀 Launched 2020 (5y old)
📝 About this app
ABOUT (ENG)
This application enables contactless payments with your phone and the execution of Flik instant payments.
Try the free NLB Pay mobile wallet for simple and secure payments.
What does NLB Pay allow you to do?
- Pay for purchases in stores and withdraw cash at contactless ATMs using Google Pay or Apple Pay. Simply unlock your mobile phone with NFC enabled, hold it near the POS terminal, and wait for the sound signal.
- View all payments and withdrawals under “Transactions” section of NLB Pay.
- Confirm online card payments.… View full description on the official store →
This application enables contactless payments with your phone and the execution of Flik instant payments.
Try the free NLB Pay mobile wallet for simple and secure payments.
What does NLB Pay allow you to do?
- Pay for purchases in stores and withdraw cash at contactless ATMs using Google Pay or Apple Pay. Simply unlock your mobile phone with NFC enabled, hold it near the POS terminal, and wait for the sound signal.
- View all payments and withdrawals under “Transactions” section of NLB Pay.
- Confirm online card payments.… View full description on the official store →
🆕 What's New · v9.14.0
- Instalment payments in the NLB Pay app (with a push notification after a credit card purchase) - NLB Ljubljana
- Small updates and improvements
- Small updates and improvements
📅
What Worked™ · Development Pipeline
6 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-03
⭐
Rating ↑ 2.70 → 4.40 (improved 1.70★)
2026-02
📈
Crossed 10 ratings — social-proof flywheel kicking in
2026-01
⭐
Rating ↑ 2.29 → 2.63 (improved 0.34★)
2024-11
⭐
Rating ↓ 3.00 → 2.33 (dropped 0.67★)
2024-10
⭐
Rating ↓ 5.00 → 3.00 (dropped 2.00★)
2020-06
🚀
First tracked snapshot — initial data captured
🧪
Tech & Domain Intel — nlb.si
- Mail provider
- Microsoft 365
- Tech stack
- Microsoft 365 · Apple Pay / Sign in with Apple · OpenAI · Google Workspace · Atlassian (Jira/Confluence)
Derived from public RDAP + DNS TXT records (no scraping, no login).
🌍
Multi-Country Performance
Available in 8 of 9 monitored markets| Market | Rating | Reviews | Current version |
|---|---|---|---|
| 🇺🇸 US | 4.49296★ | 71 | 4.49296★ this version |
| 🇬🇧 GB | 3★ | 10 | 3★ this version |
| 🇩🇪 DE | 4.40351★ | 57 | 4.40351★ this version |
| 🇯🇵 JP | 0★ | 0 | — |
| 🇨🇦 CA | 3★ | 2 | 3★ this version |
| 🇦🇺 AU | 0★ | 0 | — |
| 🇧🇷 BR | 0★ | 0 | — |
| 🇮🇳 IN | 5★ | 1 | 5★ this version |
🔔
Track this app’s revenue
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Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- NLB Pay
- Developer
- NLB d.d.
- Bundle ID
- si.nlbpay.slovenija
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 4+
- Languages
- EN
Company
- Website
- www.nlb.si
- Tagline
- Naj vaši načrti ne čakajo
- Description
- Odkrijte široko izbiro bančnih storitev NLB, ki vam pomagajo pri upravljanju financ in doseganju vaših finančnih ciljev.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Verified revenue / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- ML model estimate / mo
- $86/mo
- Top-grossing rank
- Outside top 100 in US Finance
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
- Socials
- facebook facebook.com/NLBdd · instagram instagram.com/nlb_slo · linkedin linkedin.com/company/nlb-d-d- · youtube youtube.com/channel/UC6XYxFMa4_GJh1yt…
- Not found
- Phone
- 01%20477%202000
- Contact page
- Not found
- About page
- Not found
⭐Recent App Store Reviews9 latest · avg 2.44★ · 22.2% 5★ · 55.6% 1★
5★2 (22%)
4★1 (11%)
3★1 (11%)
2★0 (0%)
1★5 (56%)
+12 ratings/week
Praise: great ×1
Top positive
★★★★★ Great app
I’m completely satisfied with app and functionality…
★★★★★ Odlična, uporabna aplikacija
Luštna stvar. Super dela. Zelo uporabna aplikacija za hitra in varna nakazila prijateljem v le nekaj sekundah. Dosti bolj praktično kot iskanje kovancev po denarnici, samo nekaj klikov in denar za pol pice je vrnjen prijatelju. Brezplačno s…
Top negative
★☆☆☆☆ Katastrofa
Nema potreba od volku gluposti za apple pay registracija. Moze so dva klika da se napravi na zapad. 10 koda staviv i 5 min se zamarav.…
★☆☆☆☆ Nepraktična i nefunkcionalna
Aplikacija koja nema mnogo smisla. Za prepaid karticu ne možete da vidite stanje računa. Krajnje nepregledna i u suštini beskorisna.…
📈Ratings growth71 ratings+7000% lifetimeShow 3-year history estimate ▾
Tracked (11 weeks) Pre-tracking estimate (36 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Geographic ReachNot ranked
This app is currently outside the top 100 grossing in all 9 countries we monitor (US, UK, DE, FR, JP, CA, AU, BR, IN). Niche or new apps often launch this way — popularity rankings appear once daily revenue clears the regional threshold.
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
More by NLB d.d.
View all →📦 Portfolio summaryINDIE studio
4apps·$1K/mocombined
Lead-app heavy — top app contributes 56%
About this analysis
Why low confidence: only 71 ratings · no founder-verified revenue (model estimate only) · revenue figure is directional only.
❓ Frequently Asked Questions
8 answers · auto-generated from this app's public dataHow much does NLB Pay make per month?▴
Based on our ML-calibrated revenue forecast, NLB Pay earns approximately $86/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
Is NLB Pay profitable?▴
With estimated build cost $130K and monthly revenue $86, NLB Pay looks well below break-even — current monthly revenue is much smaller than the estimated build cost. Profitability also depends on paid-acquisition spend and refund rate which the public model doesn't see.
What apps are like NLB Pay?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
What is NLB Pay built with?▴
Our heuristic places NLB Pay on the Native iOS (SwiftUI) stack (Medium confidence, 70%). Signals: app bundle size, category context, store-description markers, release-date era. We don't disassemble binaries. Alternative possibilities: Flutter.
Is NLB Pay still actively maintained?▴
Maintenance status: Slowing (25% abandonment risk). Last shipped version was 1 months ago. The risk score combines time-since-last-update with Editor's Choice / curated featuring + user-base maturity adjustments.
When was NLB Pay last updated?▴
NLB Pay last shipped a new version on 2026-04-23 — 1 months ago. This is the date Apple / Google last accepted a new build, not a content-only push.
Who makes NLB Pay?▴
NLB Pay is published by NLB d.d. on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is NLB Pay's BU Score?▴
NLB Pay has a BU Score of 54/100 (Solid). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.