Scotia Pagos
34
Quality Score
Emerging
Scotia Pagos
Medium confidence
✍️ bumetric analysis
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Scotia Pagos is an Android app from Scotiabank Uruguay in the Finance category, currently rated 2.0★ across 620 ratings. Initial signal reads as mostly critical sentiment so far: users flag rough edges and unmet expectations.
Quality Score is 34: Emerging (early traction worth watching). For a Finance app, that means early traction worth watching. 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
$500
per month
→
12-mo forecast
$437 – $1575
per month
→
24-mo forecast
$405 – $3644
per month
INDIE 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
ONE-TIME · BUILD
💰 Estimated build cost
$125K
↳ What it cost to build · not monthly revenue
Likely range $95K – $170K
$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 |
| ⚙ Finance complexity ×1.60 | +$30K |
| 🌐 Cross-platform reach (iOS + Android) | +$44K |
Total estimate
$125K
👥 Estimated audience size
37K
Lifetime downloads (US-equivalent)
Monthly active
10K
Daily active
4.0K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Finance engagement | ~60 installs / rating |
| 🔁 Finance D30 retention | 28% |
| 📍 DAU / MAU stickiness | 0.40 |
DAU / MAU
40% sticky
🔬
How we forecast this revenue
LOW CONFIDENCEBaseline
$500/mo · ML-estimated from 234 triggers
Growth rate
+6.0% MoM · INDIE tier baseline (compound monthly)
Direction
Headwinds: rating drift may slow acquisition
6 months
$426 – $993
12 months
$437 – $1.6K
24 months
$405 – $3.6K
Compound growth at +6.0% MoM (tier baseline for INDIE). Range widens with horizon — typical noise band ±40% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Pre-traction · 36/100INDIE TIERlimited signalRevenue Strength
2.7
Product Quality
2.8
Market Position
0.0
Growth Velocity
5.0
Defensibility
5.7
Operational Safety
8.0
Founder Strength
3.9
Monetization Maturity
1.0
- 💰 Revenue: Marginal — $200 - $1250/mo · INDIE tier · medium confidence, trajectory unclear.
- ⭐ Quality: 2.0★ across 620 reviews — weak — significant quality concerns.
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: Moderate — 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 = $9K-$16K. Portfolio play ($789/mo combined) commands premium.
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 4 of 4 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| Below-average rating (2.0★)METRIC | −$1,500 | |
| Mature app (8y old)METRIC | +$1,500 | |
| Ad-supported / freemiumMETRIC | +$600 | |
| Early-stage install base (620 ratings)METRIC | +$400 |
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.
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- Scotia Pagos
- Developer
- Scotiabank Uruguay
- Bundle ID
- uy.com.banred.scotia
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- Not found
- Languages
- Not found
Company
- Website
- www.scotiabank.com.uy
- Tagline
- Not found
- Description
- Not found
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Not found
Revenue
- Verified revenue / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- ML model estimate / mo
- $265/mo
- Top-grossing rank
- Not found
- 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
Contacts & Socials data not yet collected for this app.
📈Ratings growth620 ratings+41% lifetimeShow 3-year history estimate ▾
Tracked (1 weeks) Pre-tracking estimate (37 weeks) · model-based, ±5% noise · anchored to release date and current value
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.
📝 About this app
ScotiaPagos allows you to make bill payments in a simpler way using your user Scotia OnLine.
Download ScotiaPagos and you pay your bills by scanning the bar codes and selecting the account debiting.
To use the application you need to have user Scotia OnLine. If you do not have user sos Scotiabank client, you prune Crearte a user with your debit card from any computer. Enter a www.scotiabank.com.uy and I followed the steps to sign up with your debit card.
Download ScotiaPagos and you pay your bills by scanning the bar codes and selecting the account debiting.
To use the application you need to have user Scotia OnLine. If you do not have user sos Scotiabank client, you prune Crearte a user with your debit card from any computer. Enter a www.scotiabank.com.uy and I followed the steps to sign up with your debit card.
App Specs
🔐 Own this app? Claim & verify MRR →🔖 v5.0.3🔄 updated 0d ago📂 Finance💰 Free
🧪
Tech & Domain Intel — scotiabank.com.uy
- Tech stack
- Google Workspace · Microsoft 365
Derived from public RDAP + DNS TXT records (no scraping, no login).
🔔
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📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for Scotia Pagos: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
More by Scotiabank Uruguay
View all →📦 Portfolio summaryINDIE studio
2apps·$789/mocombined
Lead-app heavy — top app contributes 66%
About this analysis
Why medium confidence: 620 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
4 answers · auto-generated from this app's public dataHow much does Scotia Pagos make per month?▴
Based on our ML-calibrated revenue forecast, Scotia Pagos earns approximately $265/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.
What apps are like Scotia Pagos?▴
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.
Who makes Scotia Pagos?▴
Scotia Pagos is published by Scotiabank Uruguay on the Google Play 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 Scotia Pagos's BU Score?▴
Scotia Pagos has a BU Score of 34/100 (Emerging). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.