Introduction
In July 2026, SBI added a Financial Fitness dashboard to YONO. It brings together a customer's accounts, loans, investments, insurance and spending, with personalised insights. At the same time, YONO's home screen is SBI's most valuable sales space: pre-approved personal loans, credit cards from SBI Card, insurance from SBI Life and mutual funds from SBI MF all compete for it. The product team must decide what to put at the top of the YONO home screen for salaried customers: the Financial Fitness dashboard or pre-approved loan offers. The first builds long-term engagement and trust; the second drives near-term revenue. I'll clarify, identify the trade-off, understand the product, agree on a hypothesis, define metrics, design an experiment, plan analysis, set a decision framework and recommend a path.
Home screen debates are rarely either-or in reality. The best answers test both, use guardrails to protect customers, and end with a personalised rule rather than a single winner.
Step 1
Clarifying Questions (3 minutes)
Why it matters: A salaried customer with a pre-approved loan offer is different from a pensioner. Expected answer: Salaried customers who have a live pre-approved personal loan offer. Impact on approach: Both options are relevant to this group.
Expected answer: Balance, quick actions (UPI, transfers, bill pay), and a rotating banner with loans, cards and investments. The Financial Fitness dashboard is one tap away.
Expected answer: Retail loan growth is a priority; digital engagement and YONO's monthly active users matter for the 20 crore user goal.
Expected answer: Regulators and the bank's risk team are cautious about aggressive selling of unsecured loans.
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