Be fundamentally different, not incrementally better | Jag Duggal (Nubank, Facebook, Google)
Scored about 40% overall on the Sean Ellis test but 70% among users with four or more bills across at least two rails. After rebuilding around that cohort, it grew from hundreds of thousands to over 10 million monthly actives in about 15 months.
Tips
- Segment Sean Ellis results to find the bullseye cohort and build for it▶ 23:23Payments assistant scored about 40% overall but 70% among users with 4+ commitments on at least two of four payment rails. After dozens of iterations it went from hundreds of thousands to over 10 million monthly actives in about 15 months.
- Aim to be fundamentally different, not incrementally better▶ 52:40Bill auto-pay sounds unexciting on the surface, but built across multiple rails it became a fundamentally different experience.






