我问了 @zaidrmn：为什么在金融科技（fintech）中成为“多产品公司”如此重要？ 他回答说： “我们的平均客户会使用 4 个或更多产品。市场上有一些上市的金融科技公司，花了十年时间、投入数亿美元做广告，现在才刚刚达到每位客户 3–4 个产品的水平。 我们采用的是 ‘五大支柱战略’（5-pillar strategy）： 私人信贷：提供短期和长期资本 企业金融：银行业务、信用卡、费用管理 个人金融：管理客户家庭账户与交易 支付业务：管理应收账款与应付账款 ERP 系统：我们最新推出的产品 对一家多产品公司来说，构建正确的营销生命周期至关重要。因此，我们花了大量时间思考如何在合适的时机、以合适的产品，把 @FlexSuperApp 介绍给合适的客户。 很多时候，客户最初只是使用我们免费的开票（invoicing）功能。但随着时间推移，他们开始使用我们的 60 天账期信用卡（60-day float credit card） 来为供应商付款提供资金流支持。” 你可以通过以下链接观看我们整场对话，我们深入探讨了如何为 50 万名美国高净值企业主（他们贡献了超过全美 40% 的工资发放）打造一个 AI 原生的私人银行。 I asked @zaidrmn why its so important to be multi-product in fintech: "Our average customer uses 4 or more products. There are publicly traded fintech companies where, after 10 years of spending hundreds of millions on ads, they're only now hitting 3-4 products per customer. We have a 5-pillar strategy: 1) Private credit: Short and long duration capital 2) Business finance: Banking, cards, and expense management 3) Personal finance: Manages your family transactions 4) Payments: Managing your receivables and payables 5) And an ERP, our newest product Its very important for a multi-product company to build the right marketing life cycle. So we spend a lot of time really figuring out how to introduce @FlexSuperApp to the right customer, at the right moment, with the right product. There are many times where a customer starts with our free invoicing feature. And then over time, they start using our 60-day float credit card to fund payments to their vendors." Links to stream our full conversation going deep on building the AI-native private bank for the 500k high net worth business owners that power over 40% of all US payroll.