Tamam Cuts Cost Per Loan Purchase by 50%, Scales Incremental Acquisitions on Apple Ads
Takeaways
✓ 50% REDUCTION IN COST PER GOAL (CPG) on brand campaigns
✓ 55% DECREASE IN COST PER ACQUISITION (CPA) on brand campaigns
✓ 150% INCREASE IN NEW ACQUISITIONS from generic keyword campaigns
About
Tamam, a leading digital lending platform operating in Saudi Arabia, provides personal loan solutions through a fully mobile-native experience. Designed to simplify financial access for everyday consumers, Tamam makes financial inclusion a reality at scale.
Challenge
Apple Ads is one of Tamam’s most valuable user acquisition channels—and for good reason. Users searching for lending and financial solutions within the App Store represent high-intent audiences that convert at meaningfully higher rates than broader digital channels.
However, competition for Tamam’s key brand search terms intensified across the Apple Ads ecosystem, driving up their cost per tap (CPT) and cost per acquisition (CPA). With aggressive goals for growth and a primary KPI tied directly to in-app loan purchases—a conversion that lives at the very bottom of the funnel—the company faced climbing costs with real business consequences.
Working closely with Tamam, OMD MENA identified a major efficiency challenge: the rising competition on brand search terms was inflating acquisition costs and limiting the brand’s ability to scale profitably.
Solution
To scale more efficiently, OMD MENA identified two clear opportunities: protect high-intent brand demand and unlock incremental growth through broader generic search acquisition. To execute this strategy at scale, OMD MENA leveraged Search Ads Maven by Kochava, an automation platform built for Apple Ads performance optimization.
After a deep discovery session to understand Tamam’s growth objectives, campaign structure, and KPIs, OMD MENA activated two automation strategies:
- Brand Defense Automation: Tamam’s brand keyword campaigns were equipped with real-time, intelligent bid management that monitors competitive activity and automatically adjusts bids to suppress conquesting from rivals. The aim was to keep CPT and CPA in check without sacrificing share of voice or install volume. This precision automation replaced time-intensive manual bidding with a scalable, always-on protection layer.
- Keyword Journey Automation: For Tamam’s generic keyword campaigns—where new, incremental audiences are discovered—OMD MENA implemented Keyword Journey automation to systematically prioritize high-performing search terms and optimize bids throughout the user acquisition funnel. This was to ensure that budget was continuously steered toward keywords most likely to drive downstream loan conversions, not just taps or installs.
Rather than treating efficiency as the end goal, OMD MENA reinvested savings from brand campaigns into incremental growth opportunities, creating a performance flywheel that scaled results.
Impact
Through the automation activation, OMD MENA drove dramatic improvements for Tamam’s brand campaigns:
- Cost per tap (CPT) dropped 54%, restoring efficient access to high-intent users already familiar with the Tamam brand.
- Cost per acquisition (CPA) fell 55%, significantly reducing the investment required to bring new users into the app.
- Cost per goal (CPG) decreased 50%—cutting in half the cost to drive Tamam’s most important KPI: in-app loan purchases.
- App installs grew 33%, proving that cost efficiency and volume growth are not mutually exclusive when the right automation is in place.
With brand campaign costs firmly under control, OMD MENA redirected freed-up budget into generic keyword campaigns, pursuing a broader, more incremental audience. With Keyword Journey automation enabled, these campaigns saw a 150% increase in new app installs while driving CPA down 19%.
By combining automation, search intelligence, and disciplined reinvestment, OMD MENA turned efficiency gains into scalable growth for Tamam.
”Many brands treat efficiency and growth as separate challenges. For Tamam, our focus was on achieving both. We protected high-intent demand, reduced wasted spend, and reinvested those efficiencies into new customer acquisition, creating a more scalable growth model across Apple Ads.
George AchkoutyRegional Business Unit Director, OMD MENA