How does Zolve plan to retain customers post-settlement in the US & increase their lifetime value?

Once you start off, there's no reason to change. Actually, people don't like to change their bank accounts or even discuss bank accounts with their friends. It's there, and it's always there. If you are the first guy who's there -- because you provide them with the bank account in America the first day they are there -- there is no reason for them to change it. 

And we have an amazing app experience. They use it for a year. By the time your credit score gets built, there's a huge resistance to change into something like a traditional bank. You see Jupiter, and you see the HDFC Bank app. Do you know the difference? Use the Zolve app, which is like the Fi and Jupiter apps. Then you go to the Chase app, which is like HDFC. Which one do you want to continue with? 

The second thing is the credit card per se. You want to put your credit card on Amazon, Uber, Lyft, etc. You put your credit card on Google Pay, Samsung Pay, Apple Pay. After a year, you get a Chase card. There’s huge friction for you to go back and change your card in all these apps. You’ll probably change if you're not happy with something, but if you're happy with something and it is working fine, then why would you want to change it?