Product: Slice UPI (Slice Bank)
Type: Individual Assignment
Bootcamp: Fundamentals of Product Management by Userlane & Product Club
Duration: 1 Week
Tools Used: Figma (user journey), Google Slides (presentation), Observational Research
🧠 Project Overview
As part of the Product Management Bootcamp by Userlane, I was tasked with analyzing a real-world product feature through the lens of a product manager. I chose Slice Bank’s "Pinless UPI Payment for Small Transactions" — a friction-reducing feature designed for fast, everyday payments.
💡 Why This Feature?
India's booming UPI ecosystem sees billions of small-value transactions daily. Yet, the experience of entering a PIN for every ₹20 chai or ₹50 auto fare can be repetitive and annoying.
Slice identified this micro-friction and solved it with a PIN-less UPI flow — a feature especially valuable for Gen Z users and urban micro-payers.
🔍 Problem Discovery
- Primary Pain Point: Entering a PIN for every small transaction reduces speed and user satisfaction.
- Users Affected: Young, mobile-first users making 3–8 small payments daily.
- Previous Behavior: Workarounds via Paytm wallet, cash, or tapping cards.
📊 User Research
I conducted a 2-day observational study of my own UPI usage:
- Used the feature 4 times for transactions under ₹100.
- The experience was significantly faster (under 3 seconds).
- Felt effortless, reducing cognitive load for frequent spends.
🎯 Problem Statement
“Frequent digital spenders need a faster way to complete small-value transactions because typing a UPI PIN for every micro-payment causes friction and delays.”
🧭 User Journey Mapping
Step | Action |
1. Need Trigger | User wants to pay for tea/snacks using UPI |
2. Goal | Pay quickly without entering a PIN |
3. Access | Opens Slice UPI > Scans QR or selects contact |
4. Action | Enters amount and taps “Pay” |
5. Fulfillment | Payment goes through instantly, no PIN asked |
6. Feedback | Confirmation screen shown, user satisfied |
✅ Feature Evaluation
Strengths:
- Fast, intuitive user flow
- No interruption due to PIN input
- Fits daily micro-payment behavior
Limitations:
- Works only under a set transaction limit (e.g., ₹500)
- No user control to enable/disable per merchant or contact
- Potential risk if phone is stolen or misused
💡 Proposed Enhancement
Feature Suggestion:
“Smart Toggle for Trusted Contacts” – Add an option to mark certain payees as ‘trusted’ to skip PIN, while others still require PIN input.
Why It Matters:
Provides a balance between speed and security, and gives users more control over how they use the feature.
📈 Business Impact
- User Stickiness: Encourages higher daily active usage
- Differentiation: Stands out in a saturated UPI market
- Cross-Sell Opportunity: Increases engagement with other Slice offerings (credit, offers)
📊 Key Metrics to Track
- % of UPI transactions using pinless mode
- Avg transaction time reduction
- Adoption among users aged 18–30
- Number of users enabling/disabling smart toggle
- Reported security incidents (if any)
🙌 Acknowledgements
Grateful to the Slice team for building such user-first experiences and to Product Club and Userlane for structuring this immersive product thinking exercise. Special thanks to [Mentor Name] for their invaluable feedback throughout the journey.
Pinless UPI for Small Transactions – Product Feature Analysis
Product: Slice UPI (Slice Bank)
Type: Individual Assignment
Bootcamp: Fundamentals of Product Management by Userlane & Product Club
Duration: 1 Week
Tools Used: Figma (user journey), Google Slides (presentation), Observational Research
🧠 Project Overview
As part of the Product Management Bootcamp by Userlane, I was tasked with analyzing a real-world product feature through the lens of a product manager. I chose Slice Bank’s "Pinless UPI Payment for Small Transactions" — a friction-reducing feature designed for fast, everyday payments.
💡 Why This Feature?
India's booming UPI ecosystem sees billions of small-value transactions daily. Yet, the experience of entering a PIN for every ₹20 chai or ₹50 auto fare can be repetitive and annoying.
Slice identified this micro-friction and solved it with a PIN-less UPI flow — a feature especially valuable for Gen Z users and urban micro-payers.
🔍 Problem Discovery
- Primary Pain Point: Entering a PIN for every small transaction reduces speed and user satisfaction.
- Users Affected: Young, mobile-first users making 3–8 small payments daily.
- Previous Behavior: Workarounds via Paytm wallet, cash, or tapping cards.
📊 User Research
I conducted a 2-day observational study of my own UPI usage:
- Used the feature 4 times for transactions under ₹100.
- The experience was significantly faster (under 3 seconds).
- Felt effortless, reducing cognitive load for frequent spends.
🎯 Problem Statement
“Frequent digital spenders need a faster way to complete small-value transactions because typing a UPI PIN for every micro-payment causes friction and delays.”
🧭 User Journey Mapping
Step | Action |
1. Need Trigger | User wants to pay for tea/snacks using UPI |
2. Goal | Pay quickly without entering a PIN |
3. Access | Opens Slice UPI > Scans QR or selects contact |
4. Action | Enters amount and taps “Pay” |
5. Fulfillment | Payment goes through instantly, no PIN asked |
6. Feedback | Confirmation screen shown, user satisfied |
✅ Feature Evaluation
Strengths:
- Fast, intuitive user flow
- No interruption due to PIN input
- Fits daily micro-payment behavior
Limitations:
- Works only under a set transaction limit (e.g., ₹500)
- No user control to enable/disable per merchant or contact
- Potential risk if phone is stolen or misused
💡 Proposed Enhancement
Feature Suggestion:
“Smart Toggle for Trusted Contacts” – Add an option to mark certain payees as ‘trusted’ to skip PIN, while others still require PIN input.
Why It Matters:
Provides a balance between speed and security, and gives users more control over how they use the feature.
📈 Business Impact
- User Stickiness: Encourages higher daily active usage
- Differentiation: Stands out in a saturated UPI market
- Cross-Sell Opportunity: Increases engagement with other Slice offerings (credit, offers)
📊 Key Metrics to Track
- % of UPI transactions using pinless mode
- Avg transaction time reduction
- Adoption among users aged 18–30
- Number of users enabling/disabling smart toggle
- Reported security incidents (if any)
🙌 Acknowledgements
Grateful to the Slice team for building such user-first experiences.