You are a new PM at Google Pay. Design a feature for paying credit card bills.
Google
Amazon
Stripe- Jane Winfred
Clarifying Questions:
1. is it for Google finance credit card or for stored credit card in Google Pay?
2. Does Google even have access to due payments with different credit card providers?
3. Is Google willing to spend extra money to reward the users or wants to use social incentive/rewards?
Assumption: it’s for different credit card providers and there is way to get the due payments
Product:
- Google Pay is used for online and offline shopping to pay bills against purchased goods, credit card bills etc.
- allows users to store their credit card information for fast and easy payments without having to fill in the information again
- it also offer its users finance credit card from synchrony bank
- Key value proposition: faster and easy payment
User Persona:
- Shoppers – in-app purchases, creadit card bills, market place purchases, offline shopping with merchants
- Merchants – easy payment and can use Google pay as another mechanism to remind their customers for due payments
Needs and Pain Points:
- large number of cards and Need constant reminders to pay their bills in-time – some may apply automated scheduled payments of the banks (Ask interviewer whether this direction need to be thought about or not, for this problem, I’m focussing on this as well)
- no added incentive to pay before date – they utilize full length of the credit available duration
Use Cases:
- User need a way to know how much they owe to which credit card
- User need a way to know the due date for payment to a given credit card
- User need a single place to pay all their credit card bills so they dont have to go to different bank websites/ apps
- User need notification/ reminder to pay their bills
- User need scheduling of their payments and expect Google to automatically reject if they dont have the required funds
- User need incentive/ reward to pay their bills for +ve reinforcement
- User need a history of their rewards and a total value of their rewards
- User need a way to redeem their rewards
Solution:
- we need api’s from credit card banks to solve for use case #1-#5
- If all the api’s are not available, we can atleast get the credit standing of a user and use it for rewards for use cases #5-8
- we can think of showing payment due and due date for every credit card saved along with its own in the existing UI
- we can insert a payment due notification message on the confirmation page with every payment made by G-Pay
- We can insert a call to action both in #2 and #3 to pay now or pay later
- Pay Now can be single click immediate scheduling of the amount due from the bank account stored
- Pay Later can allow users to define a schedule to pay the bill for credit card bank
- For use case #5-8, we need to build new feature in G-Pay app or website to show, redeem, view history of the rewards
- Credit reward points for every credit card payment in time and remove them when someone redeem them
- We can think of giving credits in the form of free online Google Drive storage, ad-free minutes of You Tube etc.
- Show users with a catalog of rewards to choose from to redeem their points
- Adjust the reward points with every transaction and show them appropriately
Prioeritization:
Sr. No.SolutionImpactEffortStack RankReason
| 1. | show payment due and due date for every credit card saved along with its own in the existing UI | Low | Med | 8 | If the merchant API’s are available, this should be relatively quick and easy to be built but dependency need to be factored in |
| 2. | insert a payment due notification message on the confirmation page with every payment made by G-Pay | Med | Low | 5 | internal to the team and would be a simple message with dynamic insert of the data |
| 3 | insert a call to action both in #2 and #3 to pay now or pay later | Med | Low | 6 | internal to the team and would be a simple redirection to subsequent action pages |
| 4. | immediate scheduling from Pay Now of the amount due from the bank account stored | Med | Med | 7 | directly hook into the merchant api’s to offer payment from source bank to the target bank. |
| 5. | allow users to define a schedule from Pay Later to pay the bill for credit card bank | Low | High | 9 | this may require a bit of an extra effort to allow users to create, save, delete and edit their payment schedule. |
| 6. | Build a separate section in G-Pay app/ website to show, redeem, view history of the rewards | High | Med | 2 | Since this will require a new section within G-Pay app, we need to involve everyone to design this and add all the features from scratch |
| 7. | Credit reward points with every payment made in-time | High | Low | 1 | If the merchant API’s are available, this should be relatively quick and easy to be built but dependency need to be factored in |
| 8. | Show users with a catalog of rewards to choose from to redeem their points | Med | Med | 4 | Since, we are thinking of Google’s own products, building a catalog shouldnt be that difficult. However dependency with other teams should be factored in |
| 9. | Adjust the reward points with every transaction and show them appropriately | Med | Low | 3 | Since this is internal to a single team and adjustment should be relatively quicker, we can build it quicly and easily |
I’d summarize this at the end for the interviewer with my pain points we are trying to solve for, use cases we have in mind and what would I consider for MVP vs what can come in later.