PUBLISHED ON 4TH JULY
PUBLISHED ON 4TH JULY
6 MIN READ
6 MIN READ
Super Saver : Helping Users Save While Driving 3% More Spin
Setting context
Setting Context
At MPL, users who make a profit on the platform are required to pay a 30% TDS (tax deducted at source) on their net winnings, as per government guidelines. Today, around 37% of users who initiate a withdrawal are net positive and fall under this tax bracket. This means users often lose a significant portion of their winnings during withdrawal - creating a moment of friction that can feel both disappointing and unavoidable.
Spotting the opportunity
Spotting the opportunity
This led to the idea of Super Saver Withdrawals - a new flow that not only helps users save more of their winnings, but also keeps value within the platform.
This led to the idea of Super Saver Withdrawals - a new flow that not only helps users save more of their winnings, but also keeps value within the platform.
This led to the idea of Super Saver Withdrawals - a new flow that not only helps users save more of their winnings, but also keeps value within the platform.
What if, instead of withdrawing the entire amount and losing 30% to tax, users could withdraw only the tax-free portion and move the rest to their MPL balance for future play.
What if, instead of withdrawing the entire amount and losing 30% to tax, users could withdraw only the tax-free portion and move the rest to their MPL balance for future play.
Our northstar metrics for this project was tracking margin spin,GMV,Adoption of the feature and retention.
Our northstar metrics for this project was tracking margin spin,GMV,Adoption of the feature and retention.
Our northstar metrics for this project was tracking margin spin,GMV,Adoption of the feature and retention.
Let’s understand net winnings +/- of a user
Let’s understand net winnings +/- of a user
Let’s take an example of Rohan, a new user, and see how he ends up with net positive winnings in one scenario and net negative in another.
Let’s take an example of Rohan, a new user, and see how he ends up with net positive winnings in one scenario and net negative in another.
Let’s take an example of Rohan, a new user, and see how he ends up with net positive winnings in one scenario and net negative in another.
Current withdrawal flow
Current withdrawal flow
The current withdrawal flow works fine and doesn’t have any major UX issues, but there are a few minor improvements that can be made on these screens. I’ve listed the specific problems below.
The current withdrawal flow works fine and doesn’t have any major UX issues, but there are a few minor improvements that can be made on these screens. I’ve listed the specific problems below.
The current withdrawal flow works fine and doesn’t have any major UX issues, but there are a few minor improvements that can be made on these screens. I’ve listed the specific problems below.
The first screen appears cluttered at first glance due to information overload. While the tax-free amount is shown, the introduction of the Super Saver feature will bring more clarity and added value.
The first screen appears cluttered at first glance due to information overload. While the tax-free amount is shown, the introduction of the Super Saver feature will bring more clarity and added value.
The screen appears cluttered at first glance due to information overload. While the tax-free amount is shown, the introduction of the Super Saver feature will bring more clarity and added value.
The post-withdrawal screen currently shows a generic processing state for all users, with delays caused by dependency on third-party success notifications and additional front-end polling. Due to this, many users never actually see the success screen, and the entire flow lacks any sense of fun or delight, making the experience feel dull and purely functional.
The post-withdrawal screen currently shows a generic processing state for all users, with delays caused by dependency on third-party success notifications and additional front-end polling. Due to this, many users never actually see the success screen, and the entire flow lacks any sense of fun or delight, making the experience feel dull and purely functional.
The post-withdrawal screen currently shows a generic processing state for all users, with delays caused by dependency on third-party success notifications and additional front-end polling.
Due to this, many users never actually see the success screen, and the entire flow lacks any sense of fun or delight, making the experience feel dull and purely functional.
Super saver for users
Super saver for users
We’ll be introducing an option to withdraw a partial amount to the bank account and remaining amount from Winnings cash to MPL Wallet. This will help users to save on TDS and at the same time help us improve spin, let’s understand what we are doing and trying to solve with this scenario
We’ll be introducing an option to withdraw a partial amount to the bank account and remaining amount from Winnings cash to MPL Wallet. This will help users to save on TDS and at the same time help us improve spin, let’s understand what we are doing and trying to solve with this scenario
We’ll be introducing an option to withdraw a partial amount to the bank account and remaining amount from Winnings cash to MPL Wallet. This will help users to save on TDS and at the same time help us improve spin, let’s understand what we are doing and trying to solve with this scenario
In this case, if Rohan chooses to withdraw ₹200, the TDS-free portion is transferred directly to his bank account, while the remaining amount is moved back to his MPL wallet. Additional value is provided through promotional offers on this transfer, for example, if a cashback offer is active, Rohan receives even more benefit.
In this case, if Rohan chooses to withdraw ₹200, the TDS-free portion is transferred directly to his bank account, while the remaining amount is moved back to his MPL wallet. Additional value is provided through promotional offers on this transfer, for example, if a cashback offer is active, Rohan receives even more benefit.
In this case, if Rohan chooses to withdraw ₹200, the TDS-free portion is transferred directly to his bank account, while the remaining amount is moved back to his MPL wallet. Additional value is provided through promotional offers on this transfer, for example, if a cashback offer is active, Rohan receives even more benefit.
For remaining 63% users
For remaining 63% users
For users who are not net winners, we wanted a permanent surface to let them transfer their balance to the MPL wallet. If there’s any ongoing offer, we can highlight it here and nudge them to opt for the conversion. This wasn’t a top priority, but even an uptick of 1–2% would be a win for us. Let’s have a look at the screens.
For users who are not net winners, we wanted a permanent surface to let them transfer their balance to the MPL wallet. If there’s any ongoing offer, we can highlight it here and nudge them to opt for the conversion. This wasn’t a top priority, but even an uptick of 1–2% would be a win for us. Let’s have a look at the screens.
For users who are not net winners, we wanted a permanent surface to let them transfer their balance to the MPL wallet. If there’s any ongoing offer, we can highlight it here and nudge them to opt for the conversion. This wasn’t a top priority, but even an uptick of 1–2% would be a win for us. Let’s have a look at the screens.
Fixing our withdraw success states
Fixing our withdraw success states
This 3-4 second rive animation helped us to verify payment status
We had 2 delays here, as mentioned above. One was that the dashboard did not update, and the polling on the front end took time. So I added a 3–4 second buffer to ensure all these actions were completed on the backend before the user saw the success screen. Going forward, there was no processing state anymore.
We had 2 delays here, as mentioned above. One was that the dashboard did not update, and the polling on the front end took time. So I added a 3–4 second buffer to ensure all these actions were completed on the backend before the user saw the success screen. Going forward, there was no processing state anymore.
We had 2 delays here, as mentioned above. One was that the dashboard did not update, and the polling on the front end took time. So I added a 3–4 second buffer to ensure all these actions were completed on the backend before the user saw the success screen. Going forward, there was no processing state anymore.
We changed the messaging on this screen and removed all kind of unwanted info on this page
Impact & results
Fixing our withdraw success states
This project went live a month ago, and while it’s still early days, we had very good results on super saver with adoption rate of 7% which led to a 1.8% increase in margin spin on the platfom.
This project went live a month ago, and while it’s still early days, we had very good results on super saver with adoption rate of 7% which led to a 1.8% increase in margin spin on the platfom.
Our normal winnings to deposit conversion for rest fo the users also did not dissapoint fully with adoption of 1.3% till date and with offer it’s 2.4%.
Our normal winnings to deposit conversion for rest fo the users also did not dissapoint fully with adoption of 1.3% till date and with offer it’s 2.4%.
Check out other work
Check out other work
