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Why we’re pausing our Pay Later program

83 pointsby leenyover 2 years ago

11 comments

sbierwagenover 2 years ago
&gt;We launched our Pay Later Program at the end of December 2021. As we usually do with new features, we A&#x2F;B tested a few different variants, with the intent of increasing enrollment as much as possible each time.<p>Another example to add to the annals of A&#x2F;B horror stories. Sample size too small, test length time too short, extremely relevant KPIs like chargebacks or fraud complaints not included.<p>A&#x2F;B the background color of the home page all you want, but A&#x2F;B testing legal disclaimers is going to be, uh, risky.<p>And this is a very tired and boring thing to say, but startups are not AAAMM. If you&#x27;re on a product team at Meta you can do ten A&#x2F;B tests a week because tens of millions of people are using your product. If you&#x27;re an early stage startup looking for market fit, a A&#x2F;B test really will authentically take weeks or months to get enough data. If you&#x27;re on a short runway I could imagine it would be painful and unpleasant to just sit on your hands the whole time, but otherwise you wander down blind alleys like the above.
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kurtreedover 2 years ago
The fact that a service exists to make you better at interviews implies that interviews don&#x27;t evaluate competency. If interviews evaluated competency then the way to get better at interviews would be the same as the way to get better at software development (books, projects, etc.). I feel like improving my competency is worthwhile but improving my interviewing is rent seeking.
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WheatMillingtonover 2 years ago
I&#x27;ve never heard of this organisation, and maybe it&#x27;s because I don&#x27;t work in tech but I don&#x27;t really understand why they need to exist. But in any case, I&#x27;m entirely unsurprised to see the customer response to these changes. It comes off as incredibly predatory - AB testing the perfect, most &quot;frictionless&quot; experience which is obviously going to lead people to signing up without understanding they&#x27;re committing to hundreds of dollars of future expenses. Gross.
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JamesBarneyover 2 years ago
I appreciate the candor that Aline has shown in this write up.<p>&gt;Practically speaking, I’ve learned that creating some amount of friction is necessary when you’re asking people to promise to pay you ~$1000 in the future. Removing that friction can create short-term wins but may hurt you (and disappoint your users) in the long run.<p>But people are going to be confused from a &quot;click this button and you owe us a grand&quot; UI seems blindingly obvious. I suspect they got greedy and thought it wouldn&#x27;t going to be as big of a deal as it turned out to be.
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happyopossumover 2 years ago
&gt; Then hiring basically froze when COVID-19 happened, and to survive, we started charging engineers<p>Err, this doesn’t line up with any of my experience, nor that of any of my peers or the multiple employers I worked for throughout the pandemic. Maybe things slowed down for a month or so, but there was so much job mobility and choice it was bonkers!
neilvover 2 years ago
The screenshots of the deal are in gray-on-white text, which looks like the writer doesn&#x27;t want the reader to read it.<p>Additionally, they wrap up the gray&#x2F;small print with the final word, on what the reader is supposed to think, in boldface, and delimited by triple asterisks: &quot;94% of our users find a job within 4 months of starting to practice, and of those, the majority get offers from FAANG&quot;.<p>There seems to be a conscious component of persuasion in that, so I think no surprise if some customers later felt they&#x27;d been misled or manipulated.
bluepnumeover 2 years ago
The language really does sound like &quot;pay only if&#x2F;when you get a job&quot;.
londons_exploreover 2 years ago
I&#x27;m really amazed they got a 90% collection rate...<p>If you&#x27;d have asked me to guess, I would reckon only 30% will pay.<p>A chunk will have used credit cards with no balance, or cards about to expire. A chunk will dispute charges. A chunk will never see your emails because they land in spam.
londons_exploreover 2 years ago
The sign-up form at first glance really does look like &quot;we are giving you a $1024 free credit to get started on our platform&quot;
londons_exploreover 2 years ago
I wonder how many of these users thought &quot;It&#x27;s just a web page, it&#x27;s not going to send around a debt collector, I won&#x27;t ever need to pay&quot;.<p>Those types of users tend to be put off by PDF documents you have to print, sign and return, because then they feel it&#x27;s more likely that they will get a court summons for not paying...
jacques_chesterover 2 years ago
Never mind Charles. Cash is king again.