This method is based on market segmentation, which holds that the degree of customer demand in different market segments is different, and enterprises should set different product prices according to the degree of customer demand difference. For example, some customers attach importance to the brand of products, and some customers attach importance to the price of products. For customers who attach importance to product brands, enterprises with high brands and reputations can set a higher price, so that consumers can strengthen their confidence in the enterprise. For customers who pay attention to the price of products, we should simplify the service as much as possible on the basis of ensuring the quality, so as to reduce the cost and finally reduce the selling price. Differences in customer needs are mainly reflected in the following aspects.

(1) customer differences. Because customers with different occupations, classes, ages and incomes have different needs for financial products, different prices can be set for different customers to increase sales revenue. For example, according to the contribution rate of customers to bank profits, customers can be divided into high-end customers, middle-end customers and low-end customers. When handling credit cards, different cards have different overdraft limits. For example, mortgage interest rates, the building of a certain bank, offers .25% ~ .5% discount to professionals and senior civil servants than ordinary customers.

(2) regional differences. Customers living in different regions have different requirements for financial products because of their different environments, so product prices should also be reflected. For example, the prices of financial products in western, central and coastal areas of China are different.

(3) time difference. Customers' demand for products in different periods is not consistent, so the price of products can be adjusted appropriately according to the time difference. For example, commercial banks give different deposit rates to customers with different deposit terms. The biggest advantage of this pricing strategy is that it meets the market demand and is conducive to enterprises to obtain the maximum economic benefits. The difficulty is that the process of making price strategy lattice is complicated and needs to consider many factors.