Most large-scale enterprises have built their apps around bringing users back for a transaction. Bill paid, top-up done, session closed. That counts as a win and in many ways it is. But it's a fraction of what the app is capable of delivering.
An active user doesn't just return, they engage. They spend time, interact with content, respond to rewards, and in doing so generate data, attention, and revenue that a returning customer never produces. The difference in lifetime value between the two isn't marginal, it's structural.
TBH's engagement infrastructure is built to close that gap. Enterprises already have the returning customers. The infrastructure converts them into active users, ones who have a reason to stay beyond the transaction, and a reason to come back before the next one.
The app was always capable of more. Most enterprises just never gave it the chance.