Payments
End-to-end design from acquiring gateway to cross-border clearing: local payment methods integration, multi-currency pricing, forex & settlement cycles, chargeback & risk strategies, compliance & licensing.
Payments · Product · AI
Xiong Feng Payment PM / AI Product Practitioner
Making cross-border payments simpler
PaymentsProductAI
Payment PMAI Product PractitionerContent & Growth
Currently Working On
Payment product manager focusing on cross-border clearing, acquiring, and compliance, while reconstructing payment product design and operations with AI.
7years
Payment Experience
Acquiring / Clearing / Remittance
20+
Countries & Regions Served
APAC, Europe, Latin America
30+
AI Workflows Implemented
From insights to growth
99.9%
Core System Availability Target
Payment success rate priority
01Core Focus
Three Keywords, One Thread
Building on the rigor of international payments, enhancing efficiency with AI, and making trade-offs with product judgment.
Product
Making trade-offs under multiple constraints: driving roadmap with north star metrics, validating hypotheses with data, enabling cross-team collaboration with clear docs and mechanisms.
AI
Embedding LLMs into product processes: requirement clustering & prioritization, competitive & market research, intelligent customer service & ticket routing, content production & A/B testing.
02Writing
Latest Articles
MoR 从 0 到 1：为什么全球支付的下一门生意，不只是帮商户收钱？
一家中国 AI 创业公司，团队只有五个人，产品是一个面向欧美用户的 AI 工具，每月收费 29 美元。 产品上线后，用户开始付费。创始人很快发现，真正麻烦的事情才刚刚开始。 美国用户用信用卡，欧洲用户需要处理 VAT，日本用户希望使用熟悉的本地支付方式。
阅读
03Experience
Career Path
-
2022 — Present
Head of Payment Products
Cross-border Payment CompanyLeading acquiring and cross-border remittance product lines across 20+ countries; drove local payment method integration and clearing infrastructure refactoring, improving payment success rate by 6.8 percentage points.
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2020 — 2022
Senior Product Manager
Fintech CompanyBuilt multi-currency accounts and forex capabilities from 0 to 1, drove direct connections with overseas clearing institutions, reducing settlement time from T+3 to T+0.
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2018 — 2020
Product Manager
Internet PlatformResponsible for transaction and payment flows, built chargeback and risk control rule system; started integrating automation and AI into operations.
04Skills
Tech Stack & Toolchain
Payment & Finance
Cross-border AcquiringClearing & SettlementMulti-currency & FXChargeback & RiskPCI / ComplianceReconciliation System
AI & Data
LLM Application DesignPrompt / Agent WorkflowData Analysis & MetricsA/B TestingSQL
Product Methods
Product StrategyRoadmap PlanningRequirement ManagementCross-team CollaborationInternationalization
Let's Talk
Interested in international payments, AI products, or content growth? Feel free to reach out.