Selected work · 08 of 09

One basis for every digital dollar.

The Situation: A top-tier U.S. bank allocated a multi-billion-dollar budget across its digital assets and customer product experiences. Every team brought a business case, and the cases couldn't be compared: different baselines, different metrics, and no consistent line from spend to sales or deposits.
The Constraint We Identified

Funding followed last year's budget and the best-argued case.

Allocation looked like a negotiation because, structurally, it was one. Results were reported as activity (launches, traffic, features) rather than as the value each dollar moved, so the strongest argument tended to win.

When the investments were put side by side on the same basis, the picture changed: a small number of initiatives drove most of the measurable outcome.

What We Built

Every digital investment on one outcome basis, funded and re-funded quarterly.

Structural pattern Before / after
FROM INCOMPARABLE CASES TO ONE OUTCOME BASIS, FUNDED QUARTERLYBEFOREAFTERInitiative 1measured in clicksInitiative 2measured in launchesInitiative 3measured in NPSInitiative 4measured in trafficInitiative 5measured in featuresOutcome per dollar: sales + deposits, one baselineInitiative 3Initiative 1Initiative 5Initiative 2Initiative 4fund · measure · re-fund, every quarterFunding followed last year’s budgetand the strongest-argued caseRESULT · PLANNING CYCLE TIME − 60% · MULTI-BILLION-DOLLAR DIGITAL PORTFOLIO
The structural pattern. One baseline and one outcome measure (sales and deposits) for every investment, so the portfolio could be ranked, and a quarterly cadence that moved funding toward what was proving out.
  • MapWe mapped how digital investment decisions were actually made: who proposed, which evidence counted, and how results flowed back, across the full digital portfolio.
  • AssessThe constraint was comparability. Without a common basis, no allocation could be defended on evidence.
  • DecidePut every digital investment on a common outcome basis tied to P&L, and fund and re-fund on a quarterly cadence against measured results.
  • ExecuteBuilt the planning model and cadence with product and finance, and scaled it across the digital portfolio.
What the Engagement Produced

Faster decisions, made on the same evidence.

−60%
Planning cycle time
For the digital portfolio, from proposal to funded decision.
Multi-$B
Digital portfolio
Allocated on one outcome basis across digital assets and customer product experiences.
Quarterly
Funding cadence
Investments re-funded against measured results instead of annual budgets.

The cycle-time reduction is the cleanest read of the change. The larger effect was qualitative: allocation conversations moved from whose case was most persuasive to what the evidence showed.

What carried forward into Zero Fog's work today

Putting competing decisions on one basis before asking anyone to choose between them. It is the core of every decision readout.

Facing a similar decision?

Zero Fog Advisory Group · quarterly execution cycles · founder-led

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