Value loop approaches have helped fintechs around the world convert initial growth into sustainable long-term value by lowering costs, diversifying revenues, and promoting customer engagement and loyalty. Starling and Revolut in the UK, N26 in Germany, Chime in the U.S., and South Korea’s KakaoBank all initially limited their product sets. After scaling up, they turned their attention to winning customer trust and, eventually, increasing wallet shares.
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