Breakeven for New Banking Feature

Scenario

You're advising a digital banking team that is considering a new feature inside its consumer banking experience. The feature would require a meaningful upfront build, and leadership wants a simple way to judge whether the investment makes sense before committing engineering capacity. The team expects the feature could create value through higher customer retention, more primary bank relationships, and incremental deposit balances, but the exact path to payback is still uncertain.

Question

Walk me through a breakeven analysis for a new digital banking feature that requires an upfront development cost of $2 million.