Introduction
A sudden 30% increase in failed transactions for PhonePe's bill payment feature is a critical issue that demands immediate attention and thorough analysis. This problem directly impacts user experience, revenue, and trust in the platform. I'll approach this systematically, examining potential causes from technical issues to user behavior changes, while considering both internal and external factors.
Framework overview
This analysis follows a structured approach covering issue identification, hypothesis generation, validation, and solution development.
Step 1
Clarifying Questions (3 minutes)
Why it matters: Recent changes often correlate with sudden performance shifts. Expected answer: Yes, a minor update was pushed yesterday morning. Impact on approach: If confirmed, I'd focus on change-related hypotheses first.
Why it matters: Helps narrow down potential causes and affected user groups. Expected answer: The increase is more pronounced in utility bill payments. Impact on approach: I'd prioritize investigating utility bill payment processes and partners.
Why it matters: Unusual activity spikes could strain the system, leading to failures. Expected answer: Transaction volume has been within normal ranges. Impact on approach: If volume is normal, I'd focus more on internal system issues.
Why it matters: User reports often provide valuable clues about the nature of the problem. Expected answer: Users are reporting "Payment Gateway Error" more frequently. Impact on approach: I'd investigate payment gateway integration and performance as a priority.
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