How do you get early users to adopt a fintech product, not just try it once?

Overview

I’m an engineer building a fintech product for small businesses managing cross-border payments. Our first version compared payment providers and attracted 225 users, but most tried it once and didn’t return. It made me realize that helping someone choose a payment route may be useful, but it doesn’t create a regular habit. We’re now looking more closely at the work around the payment: tracking invoices, confirming what arrived, recording fees and exchange rates, and reconciling everything across

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