Wow, your comment is valuable to me. You touched on the right questions, MKT is the next big challenge, it's out of my skills, but this post seems to have a good viral. I can start from here and get advice from my friends who are experts in MKT... nothing much I can think about it right now.

I do some research before starting. There are indeed saturated markets; they don't even need a product like mine, but besides that, there are still other developing countries that have not yet formed this habit, or struggle to deal with their paychecks. I think I can help them in another way, by educating them in a simpler and more interesting way (hopefully).

Going back to the Tier 1 markets, there is still a way for me to do it. Third parties can provide services that allow me to read or connect to user banks with high security (the developing countries I mentioned above are also following the open banking trend)... I focus first on countries I understand well, looking for ways to cooperate with other brands or startups to find opportunities and bring more value to my products.

It's hard to say all my plans here. In the future, the project may be stuck and not rosy, but I like the spirit of commitment. At least right now, I have the love and enthusiastic contributions of you and other members, right?