User retention in financial products: How to build experiences that foster customer loyalty

User retention in financial products is one of the most complex and underestimated challenges when scaling a fintech platform. Maintaining a strong user relationship takes more than a polished interface or an optimized funnel in an environment where customer acquisition costs (CAC) are rising and switching costs are falling. The customer experience must be built on trust and long-term value. This article explores how fintech software development can help tackle this challenge by integrating technology, design, and strategy to improve user retention in financial products.