Strategy question

How would you decide whether or not to accept payments for Facebook messenger?

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What this question tests

Strategic reasoning on monetization expansion, weighing revenue opportunity against trust, regulation, and existing competition.

How to approach it

  1. State the opportunity, peer to peer and merchant payments within a messaging app could increase engagement and open a new revenue stream via transaction fees.
  2. State the competitive context, this competes with established players like Venmo, Zelle, and the company's own payment products in some markets.
  3. Weigh the regulatory and trust risk, payments require significant compliance investment and user trust, which is not automatic given past privacy scrutiny.
  4. Propose a phased approach, starting with a lower risk use case like peer to peer transfers among existing friends before expanding to merchant payments.
  5. Give a recommendation, proceed cautiously, prioritizing markets with existing payment infrastructure success.

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