ČSOB Smart klíč
49
Quality Score
Emerging
ČSOB Smart klíč
Low confidence
✍️ bumetric analysis
“
ČSOB Smart klíč is an iOS app from Československá obchodní banka, a.s. in the Finance category, currently rated 4.2★ across 33 ratings. Initial signal reads as mixed reviews: supporters praise core features while critics cite stability and value gaps.
Quality Score is 49: 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
$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
$592/mo · 14K ratings · 3.9★
View →
ONE-TIME · BUILD
💰 Estimated build cost
$100K
↳ What it cost to build · not monthly revenue
Likely range $75K – $135K
$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 (79 MB) | +$11K |
| ⚙ Finance complexity ×1.60 | +$37K |
Total estimate
$100K
🔬
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 · 46/100MID TIERunderperforming peersRevenue Strength
3.7
Product Quality
3.3
Market Position
0.6
Growth Velocity
5.0
Defensibility
7.5
Operational Safety
10.0
Founder Strength
5.7
Monetization Maturity
1.0
- 💰 Revenue: Modest — $3K - $7K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.18★ across 33 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 4 of 4 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| Mature app (10y old)METRIC | +$1,500 | |
| Good rating (4.2★)METRIC | +$800 | |
| Ad-supported / freemiumMETRIC | +$600 | |
| Pre-traction phase (33 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.
🆕 What's New · v3.21.2
Thank you for using CSOB Smart Key!
What's new in this release?
• Small improvements
• Bugs fixes and stabilization
*** Do you like our free application? Give us a review in the App Store!
What's new in this release?
• Small improvements
• Bugs fixes and stabilization
*** Do you like our free application? Give us a review in the App Store!
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- ČSOB Smart klíč
- Developer
- Československá obchodní banka, a.s.
- Bundle ID
- cz.csob.smartklic
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 4+
- Languages
- CS, EN, SK
Company
- Website
- Not found
- Tagline
- Lidé
- Description
- V ČSOB vám pomůžeme se vším kolem peněz. Poznejte blíž naše účty, půjčky, hypotéky, investice, spoření, pojištění i nabídku pro podnikatele a firmy.
- 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
- $144/mo
- Top-grossing rank
- Outside top 100 in US Finance
- All-time revenue
- Not found
- Pricing
- Not found
Founder
- Name
- Not found
- X / Twitter
- twitter.com/CSOB_CZ
- linkedin.com/company/csob
- GitHub
- Not found
- X followers
- Not found
- Public statements
- Not found
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.
⭐Recent App Store Reviews5 latest · avg 2.8★ · 40.0% 5★ · 40.0% 1★
5★2 (40%)
4★0 (0%)
3★0 (0%)
2★1 (20%)
1★2 (40%)
+3 ratings/week
Praise: amazing ×1Complaints: crash ×3 hate ×1
Top positive
★★★★★ Reliable and convenient
Safe, secure and reliable app that enables me to authorize payments in CSOB environment without nees of sms re-typing.
App used to crash, but not anymore.
New design looks ok to me.…
★★★★★ Nice job CSOB!
Well done app, much appreciate the comfort. I really hated those SMS keys with passion and thanks to this they are a thing of the past.
Feature request - could the PIN be replaced with a fingerprint scan please for even faster authorizatio…
Top negative
★☆☆☆☆ Nefunkcni prihlaseni
Pri prihlaseni do internetoveho banklvnictvi aplikace hlasi, ze je potreba nainstalovat a aktitovat smart klic. Smart klic nainstalovany a aktivovany je.…
★☆☆☆☆ Fix the payment authorization!
The old version was amazing, but this one crashes all the time. The authorizations don't go through. Whenever I want to authorize a payment I need to restart the app to be able to load. I hope that this issue gets fixed. Very annoying.…
📈Ratings growth33 ratings+3200% lifetimeShow 3-year history estimate ▾
Tracked (8 weeks) Pre-tracking estimate (37 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.
📝 About this app
The ČSOB Smart Key will make it easier for you to log in and confirm payments in internet banking, as well as card payments in e-shops, or remote verification when calling the Infoline or a bank branch. You don't have to wait for a confirmation SMS and then rewrite the code from it. With the Smart Key, notifications will pop up immediately and you will confirm the request with a Face ID, fingerprint, or numerical PIN.
Why to use ČSOB Smart Key application:
• Conveniently log in and confirm the payment in internet banking
• Easily confirm card payments on the Internet… View full description on the official store →
Why to use ČSOB Smart Key application:
• Conveniently log in and confirm the payment in internet banking
• Easily confirm card payments on the Internet… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 79 MB🔞 4+📱 iOS 15.0+🔖 v3.21.2🔄 updated 0d ago🌐 CS, EN, SK📂 Finance💰 Paid
📅
What Worked™ · Development Pipeline
9 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 →
2026-05
⭐
Rating ↓ 4.80 → 4.18 (dropped 0.62★)
2026-05
🔄
Monetization changed: freemium → free
2026-03
⭐
Rating ↑ 2.50 → 4.80 (improved 2.30★)
2026-03
📈
Crossed 10 ratings — social-proof flywheel kicking in
2021-10
⭐
Rating ↑ 2.25 → 2.80 (improved 0.55★)
2021-06
⭐
Rating ↓ 2.67 → 2.25 (dropped 0.42★)
2021-02
⭐
Rating ↓ 3.50 → 2.67 (dropped 0.83★)
2017-10
⭐
Rating ↓ 5.00 → 3.50 (dropped 1.50★)
2016-01
🚀
First tracked snapshot — initial data captured
🌍
Multi-Country Performance
Available in 2 of 9 monitored markets| Market | Rating | Reviews | Current version |
|---|---|---|---|
| 🇺🇸 US | 4.18182★ | 33 | 4.18182★ this version |
| 🇩🇪 DE | 4.69564★ | 23 | 4.69564★ this version |
🔔
Track this app’s revenue
FREEGet an email when revenue moves by your threshold. No spam, unsubscribe in one click.
📝 Description
95
BU Score · Transcendent
More by Československá obchodní banka, a.s.
View all →📦 Portfolio summaryINDIE studio
6apps·$1K/mocombined
✓ Diversified — top app contributes 42%; risk spread across portfolio
About this analysis
Why low confidence: only 33 ratings · no founder-verified revenue (model estimate only) · revenue figure is directional only.
❓ Frequently Asked Questions
4 answers · auto-generated from this app's public dataHow much does ČSOB Smart klíč make per month?▴
Based on our ML-calibrated revenue forecast, ČSOB Smart klíč earns approximately $143/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 ČSOB Smart klíč?▴
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 ČSOB Smart klíč?▴
ČSOB Smart klíč is published by Československá obchodní banka, a.s. 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 ČSOB Smart klíč's BU Score?▴
ČSOB Smart klíč has a BU Score of 49/100 (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.