Onboarding Email Sequence for Budgeting App (7 Emails + Subject Line Tests)

Roughly 60% of people who sign up for Centavo, our zero-based budgeting app, never connect a bank account - which means they never see the product's value. The current onboarding "sequence" is a single welcome email from 2023. We need a seven-email sequence spanning the first 14 days: welcome, a connect-your-bank nudge with objection handling around security fears, a first-budget walkthrough, two habit-building emails, a social proof piece, and a win-back for the inactive. Plus three subject line variants per email for A/B testing in Customer.io. Small job, clear scope, fast decisions: we'll pick someone within 48 hours of posting and want drafts inside two weeks. Fintech or consumer-app email experience is a big plus.