Net inflows into Jupiter Pots fell 20% month on month. How would you find the cause?

Introduction

Net money moved into Jupiter Pots fell 20% month on month, while the number of active Jupiter account holders stayed roughly flat. Pots are goal-based savings buckets inside the user's savings account, funded manually, by scheduled transfers or by auto-save rules. A fall in Pot inflows matters because Pots are one of the habits that make Jupiter a user's primary account. I'll diagnose the drop step by step: clarify, rule out external factors, understand the journey, break down the metric, form and test hypotheses, then decide and plan a fix.

Step 1

Clarifying Questions (3 minutes)

• How is the metric defined? Assume "net Pot inflow" = money added to Pots minus money withdrawn from Pots, across all users, per month.
• Is the drop in additions, withdrawals or both? Unknown; this is the first thing to check.
• Sudden or gradual? Assume the drop appeared mostly in the last two weeks of the month.
• Any recent releases? Assume an app update shipped three weeks ago that redesigned the home screen and the Pots entry point.
• Platforms and segments? Unknown; we should split by Android and iOS, new and existing users, and funding method.
• Has anything changed in the partner bank or interest rates? Assume no rate changes were announced.

The clarified problem: net Pot inflows fell 20% month on month, concentrated in the second half of the month, after a home-screen redesign, with no known rate change.