Building 0 - 1 Fintech Products : From Problem to Product

Taking a product from an initial idea to something users genuinely need requires far more than building an MVP. It starts with finding the right problem, testing whether it is worth solving, and making focused product decisions with limited information.

In this session, Swati Mitra, Founding Member & Product at Zoop Money, will share what it takes to build 0 - 1 fintech products - from problem to product. Drawing from her experience building Zoop Money from the ground up and her broader experience across fintech product management, she will take participants through the thinking behind early-stage product decisions.

The session will cover how PMs identify and validate problems, shape the first product experience, prioritise what to build, and use experimentation and user feedback to refine the product. Swati will also unpack the challenges of building in fintech, where different customer needs, stakeholders, and evolving requirements can influence the product at every stage.

Participants can expect an experience-led look at problem discovery, early product decisions, prioritisation, experimentation, and the journey towards product-market fit - giving them a practical understanding of what building a 0→1 fintech product really involves.

Key Takeaways

• Learn how to identify and validate the right problem before investing time and resources into building a 0-1 product. • Understand the product decisions involved in the early stages - from defining the first product experience to prioritising what to build, test, and iterate. • Explore how fintech PMs navigate complexity across customer needs, multiple stakeholders, and evolving product requirements while building from scratch. • Gain insights into finding product-market fit through user feedback, experimentation, and continuous iteration.