Product design question

How would you improve Google Pay?

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What this question tests

Tests product sense on a payments app competing against strong incumbents, where trust and utility beat flashy new features.

How to approach it

  1. Segment users: peer-to-peer payment users, bill-pay/utility users, and in-store/online checkout users, since needs differ.
  2. Identify a pain point: bill splitting and recurring payments are clunky compared to a dedicated tool, and cross-border remittance is underused despite Google's global reach.
  3. Prioritize one improvement: streamlined recurring bill management with proactive reminders and one-tap pay, since this is a high-frequency, high-retention use case.
  4. Consider global expansion as a strategic lever: better cross-border transfer rates, leveraging Google's international presence versus PayPal or local apps.
  5. Define success: growth in recurring/repeat transaction frequency per user, not just total transaction volume, since repeat usage signals real habit formation.

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