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M Cash · 2021

We turned a loan application into a song people chose to watch

The M Cash music campaign combined a brand ambassador, one original instrumental and a four-part video release to make a low-interest financial product impossible to ignore.

The challenge

Consumer finance is a category people don't think about until the moment they need it, and every brand inside it sounds the same: rates, terms, approval times. In 2017 M Cash held just 1% brand awareness in Macedonia - effectively last in its sector. Product language alone was never going to shift that. The brand needed a reason for people to pay attention before they needed money.

The idea

We made music instead of ads. Zarko Dimitrioski became the celebrity face and voice, and the campaign was built on a single instrumental carrying four different sets of lyrics. Every spot closed on the same hook - "ЕМ прв, ЕМ брз, ЕМ најдобри! М Кеш Македонија" - so each version reinforced the same mnemonic while the verses did different work. ("ЕМ" translated from Macedonian is "not only", which gave a fantastic singing line: not only the first, not only fast, not only the best. M Cash.)

The outcome

By the July 2021 brand awareness study, M Cash had moved to 16.8% - second in the sector's top-of-mind awareness. One in three Macedonians had heard of M Cash. 32% said they would consider taking a loan from it. A brand that entered the period near the bottom of its category left it as one of the two names the market named first.

What we did next

In 2022 we took M Cash from second place to the top - the #1 top-of-mind brand in the sector. [See how we did it →]

Pillars used: Strategy & Decisions · Creative & Production

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