Refer to the project brief and the additional resources before you begin this project!
(Go through them at least 3 times or till the time you don’t have a mind map in your brain)

Let’s begin

It's time to kickstart the project by taking a crack at building your Elevator pitch.

(Think of this as an introduction to your product- make it remarkable!)

​

For the end user

Imagine shopping online and getting what you want now, with zero upfront payments and no hidden fees. Simpl makes this a reality—offering instant, interest-free credit at checkout with just one click. Customers can split their payments into easy installments, unlocking a whole new level of flexibility and convenience. Already trusted by top brands, Simpl is transforming the e-commerce experience and changing how people buy. Want to be part of the revolution? Let’s talk!

For Merchants

Imagine shopping online and getting what you want now, with zero upfront payments and no hidden fees. Simpl makes this a reality—offering instant, interest-free credit at checkout with just one click. Customers can split their payments into easy installments, unlocking a whole new level of flexibility and convenience.

Don’t just take our word for it—Myntra says, “Simpl has helped us reduce cart abandonment and increase sales, thanks to its seamless, flexible payment option.” And Swiggy adds, “Our customers love the pay-later feature, making ordering food even easier and more accessible.”

Already trusted by top brands like Uber, Zomato, and BigBasket, Simpl is transforming the e-commerce experience and changing how people buy. Want to be part of the revolution? Let’s talk!

(Go and speak to different users of the product and the people in the chain: households buying the product, shopkeepers selling the product, churned users, and users using competitor's products. In the case of B2B products identify the decision makers, the influencer, the blocker, and the end-user)

User Case studies

Shivam

Shivam is 33 years old, tech savvy, not a frequent credit card user, works in start up, lives in Bangalore.

Discovery

Shivam came across Simpl pay later while ordering on Zomato/Swiggy, and found the ease of one click check out, incredible. This was his AHA moment.

Customer Journey

Shivam downloaded the Simpl app to pay the bill and discovered all its features. He liked the fact that it would gradually allow you a higher credit limit as you show worthiness. The app had gamification features which appealed to his personality. He is often forgetful, so he liked the reminder system as well. He has automated payment for all utility bills through Simpl and manages most of his financial transactions through the app.

Retention

He found value in the deferred payment system, and one click check out. It allowed him smaller credit cycles wherein he felt under control.

Muskaan

Muskaan is 24 years old, works as a freelancer in social media marketing, in Delhi. She has an erratic work schedule and shops online very often.

Discovery

Muskaan discovered Simpl through a friend who told her about the buy now pay later product as she wanted to order her body shop beauty products and was deliberating making the purchase on Nykaa.

Customer Journey

Muskaan loved ordering her products in bulk so she could get the best deal while not having to worry about paying for it for 15 days. She then discovered Pay in 3 on Myntra and found it to be an even cooler product for higher ticket size items.

Retention

Muskaan uses Simpl approximately 2 times a month and clears the bills on time. She finds it quick and easy, while also trust worthy.

Udai

Udai is a 50 year old, male, salaried, working in Delhi. Used to be a heavy credit card user but has now stopped using credit cards that often. He is an early adopter for payment options, as he orders food/groceries online everyday, and sometimes multiple times in a day.

Discovery

Udai came across Simpl pay later while ordering on Zomato/Swiggy, and found the deferred payment option without a credit card, useful and brilliant. This was his hook, however he was unsure of what happened as the transaction happened too quickly.

Customer Journey

Going forward, Udai found it difficult to track his payments on Simpl as he did not download the app, and soon lost interest.

Churn Reason

The main reason for Udai to stop using Simpl was the confusing first transaction and the subsequent confusion regarding having paid off the simpl bill or not. Simpl believed Udai had not cleared the bill despite reminders whereas Udai thought he had.

Oindrila

29, a working professional, lives in gurgaon, is often vary of credit cards. Orders online for groceries and shops occasionally. She likes to get the best deals and offers, always.

Discovery

She discovered this on healthkart while ordering protein, and liked the no cost emi option for payment.

Customer Journey

Oindrila now uses Simpl Pay in 3 for such online shopping, however, groceries she still gets with UPI as she doesn't like to lose track of her spending at all. She has the app, and finds it easy to understand the bill generation cycle.

Retention

It solves her exact pain point. She is anxious as a person and doesn't like credit cards, so this is easy to use and trust.

Understanding Simpl's ICP

(There are separate tables for both B2C and B2B products, put down your your ICP’s in a Table Format, use this as a reference.
This table makes it super clear for anyone to understand who your users are and what differentiates them)

B2C Table

B2B Table:

​

We have multiple users of a product and not all of them can be our ICP for whom we make our strategies, we need to prioritize.
(use this ICP prioritization table)

(Before you begin, you need to know what your product is, what are its features, what is the problem being solved by your product?)​

​Understanding Core Value Proposition

(Build your core value proposition by exact what your product does and what problem are you solving)

For online shoppers who want a seamless, flexible, and interest-free payment experience, Simpl is the payment platform that provides instant, hassle-free credit at checkout, enabling easy installment payments without hidden fees or complex processes.

Here’s a differentiator table highlighting how Simpl stands apart from LazyPay and Snapmint. This comparison will show unique features, customer-centric offerings, and different value propositions of each platform.

Key Simpl Differentiators:

1. Short-Term Pay Later: Simpl's unique offering is the 15-day payment cycle with no interest, making it perfect for users who want to avoid long-term credit but still get flexibility.
2. Seamless, One-Click Payment: Simpl's instant payment experience for daily transactions across a wide array of categories (food delivery, e-commerce, and more) is a major convenience factor.
3. Simple, Transparent Pricing: Simpl doesn't involve hidden charges or late fees, providing users with clear expectations about repayment and no complex interest structures.
4. Wide Merchant Network: Simpl offers a broader range of partners in day-to-day transactions, including food delivery, ride-hailing, and e-commerce, whereas Snapmint focuses on larger-ticket items.
5. Easy, Rewarding Experience: Simpl offers incentives like discounts and cashbacks, while LazyPay offers less frequent promotions.

(Let's begin by doing a basic competitor analysis)

(Then let's try to understand the market at a macro level and evaluate the trends and tailwinds/headwinds.)

Now it’s time for some math, calculate the size of your market.

TAM = Total no. of potential customers x Average Revenue Per Customer (ARPU)
SAM = TAM x Target Market Segment (percentage of the total market)
SOM = SAM x Market Penetration/Share

TAM=Total Number of Potential Customers × Annual ARPU TAM=200,000,000×4,200

= 420 billion

SAM=420 billion×0.20 = 84 billion

SOM=84 billion×0.10 = 8.4 billion

Designing Acquisition Channel

(keep in mind the stage of your company before choosing your channels for acquisition.)

​

Since Simpl is in early scaling stage, the preferred acquisition channels would be:

1. Referrals

Since Simpl's ICP is tech savvy and brand loyalist, Simpl can capitalize on referrals. Jenny Z can be an advocate for Simpl and Casual Cory can be a power user. Both will be enthusiastic to refer, especially if there is an incentive. Jenny Z would also refer to appear socially ahead. The stickiness that comes with a strong referral will also drive retention.

The stage of the company indicates that a low cost, high scale, and high flexibility acquisition channel is ideal.

2. Paid Ads

Simpl is now present on 26000 merchant platforms, so the reach is strong there. Now, the brand can invest in reaching the end user directly via paid ads, to communicate the core value proposition to the ICP. Paid ads can be targeted to users on google to target search intent and on Instagram, where the ICP spends considerable amount of time. The content should be focused on the key drivers - convenience, transparency and speed. Also highlighted within the content, should be a brand that the ICP is a power user of, where they can use Simpl.

While this is a high cost - high scale acquisition channel, it is the right time for Simpl to reach its ICP directly via paid ads.

3. Product Integration

To acquire new customers, Simpl can integrate with more merchant apps and websites where the ICP is a power or a core user. This increases visibility at scale. While this acquisition channel might be slower, it can be instrumental in expanding the reach of the product.

For example, a user interview insight said "I want to be able to use Simpl in Zara or H&M when I shop online or in store. I find it easier than credit cards and I want the benefit on my favourite brand and also in store. I occasionally do go and shop in store."

Organic Channel

(Understand the existing organic channel strategy for your product and highlight the success and failure thereon.
Provide your suggestions and devise new strategies.)

Step 1 → Conduct keyword research on Google, Amazon, Youtube, Quora etc.
Step 2 → Collate all your insights from all your searches.

Organic Traffic 188.4 k

Keywords: Simpl, Simpl Customer Care Number, Simpl pay later, Simpl Pay

Tried searches

BNPL - Low Ranking

Instant Credit - Low Ranking

EMI payment solutions - Low Ranking

What is buy now pay later - Low Ranking

Content Loop that is best for Simpl

1. Blog - It will target the exact user search intent that can push conversion. The content topics can cover all the needs, pain points, fantasies and fears of the ICP. For example "best credit card for online shopping","is BNPL safe","how does instant credit work","what is simpl","simpl pay","simpl pay in 3" ,"simpl billbox" "what is buy now pay later" "best checkout for online shopping"
2. Instagram - The brand's positioning is clearly communicated along with core value proposition increasing brand recall. The content should be in reel format as that is the highest consumed content by the ICP, with clear intent.
3. Merchant's Whatsapp - Since Simpl's ICP is primarily a whatsapp user, the best way to reach them is through whatsapp. Through the merchant, Simpl will be able to tap into a user that is not activated yet and this content loop can help with that conversion.

Content Loop

(Keep it simple and get the basics right)

​

Step 1 → Nail down your content creator, content distributor and your channel of distribution
Step 2 → Decide which type of loop you want to build out.
Step 3 → Create a simple flow diagram to represent the content loop.

(Understand what is already being done, what is working out well and what needs to be stopped)

Step 1 → Define the CAC: LTV ratio. If your product has a healthy CAC:LTV ratio, proceed with paid ads.

Step 2 → Choose an ICP

Step 3 → Select advertising channels

Step 4 → Write a Marketing Pitch

Step 5 → Customize your message for different customer segments to ensure relevance

Step 6 → Design at least two ad creatives (e.g., images, sketches, videos, text ads) that reflect your marketing pitch.

The Lifetime Value (LTV) of a user for Simpl is a metric that estimates the total revenue Simpl can expect from a customer over the entire duration of their relationship.

LTV=(Average Transaction Value × Frequency of Use per Month)/ Churn Rate

• Average Transaction Value: ₹1500
• Frequency of Use: 2 times per month
• Retention Rate: 90% (so the Churn Rate = 1 - 0.90 = 0.10)

LTV = (1500 X 2 X 12)/0.10 = Rs. 3,60,000

Customer Lifetime = Age 50 - Age 21 = 29 years

Total LTV=360,000×29= Rs. 10,440,000

Given that Simpl has a great LTV, paid ads is a great channel for them. The CAC:LTV ratio should be healthy.

Paid Ads for ICP: Jenny Z

Simpl's Paid Advertising campaign can be aimed at Jenny Z, because this ICP drives the highest value from tech solutions. Anything that saves time and effort, Jenny Z is an advocate of. Simpl can use this information to draft content that is relevant.

Advertising Channel: Instagram (Reel + Post)

Boost Audience: Women/Men living, 21-27 years old, in tier 1 and tier 2 cities, who have a high end phone (iphone/samsung/one plus), interested in online shopping, specific brands that Simpl is partnered with, fitness & wellness, travel, chatgpt, AI solutions, credit card reward points, food, clothes, and gadgets.

Marketing Pitch: Did you get your coldplay tickets? No? Be smarter next time, with Simpl. Easy one click payment option to cater to heavy web traffic. Fast & easy checkout, stress free, frictionless experience to help you experience the world! Book your next event with Simpl!

Reel Concept to be shot: Capture a conversation between two friends chatting on whatsapp group of 3 friends.

1st friend: "bro did you get the coldplay tickets"

2nd friend: "no man, the payment gateway got stuck on OTP"

3rd friend: "GUYS! what are you saying, I got tickets with SIMPL! No OTP"

Post Concept

Additionally, Reels can be created keeping both ICPs in mind - Jenny Z and Casual Cory

Concept: Simpl Pay in 3 with Myntra - Get the latest kicks (want it - get it)

Why it works: It taps into the instant gratification need of both the ICPs

Concept: Christmas gifts with IGP and Simpl

Why it works: It's witty, something that both ICPs relate to. IGP is a gifting platform the ICP is familiar with so the willingness to take action increases..

(Understand, where does organic intent for your product begins?)

​

Step 1 → Identify complementary products used by your ICP

To the selected three potential integration partners, we will make the pitch as detailed below. We will also include testimonials from existing partners.

Uber - 1 million users in India Daily

Uber and Simpl: The Perfect Ride, Without the Hassle of Payment!

At Uber, you pride ourselves on providing unparalleled convenience — getting riders from point A to point B, effortlessly. However, one area that still feels like a roadblock is payment. The frequent UPI transactions can feel like a hassle for your loyal customers who are already enjoying the seamless ride experience.

What if we could make this even better?

Enter Simpl.

With Simpl, riders can enjoy the same great Uber experience, but without the need to pay for every single trip individually. Instead of worrying about UPI transactions after every ride, Uber users can pay once every 15 days for all their trips, with the simplicity of a single, easy payment.

Here’s why Simpl is the ideal partner for Uber:

1. Seamless Experience: No more interruptions during the ride. Simpl lets customers enjoy their journey without the friction of multiple transactions.
2. Cashflow Ease for Riders: Riders don’t have to worry about daily payments. With a 15-day window, they can budget better and avoid constant notifications about individual charges.
3. Increased Loyalty: Riders love convenience, and with Simpl’s deferred payment model, Uber users will enjoy a smoother experience and are likely to ride more frequently.
4. Frictionless Checkout: With Simpl’s easy-to-use payment system, Uber users can check out effortlessly with a single tap — boosting both convenience and user satisfaction.

Let Uber + Simpl Power Your Ride, Simplified.

Netflix - 12 million paid subscribers in India

Netflix + Simpl: Stream More, Pay Less

At Netflix, your subscribers are all about non-stop entertainment. But payment interruptions? Not so much. With Simpl, you can give them what they really want: uninterrupted streaming with effortless payments.

Why Simpl is perfect for Netflix:

1. One Payment, Every 15 Days: No more monthly reminders. Users pay once every two weeks for all their Netflix binges.
2. Zero Hassle: Forget UPI, card details, and renewal worries. Watching is all they’ll do — paying is automatic.
3. Boost Retention: Fewer payment headaches mean happier customers who stick around longer.

Netflix + Simpl = Seamless Streaming
Let’s make payments as easy as hitting play. Your content, their wallet — simplified.

Spotify - 55 million active users

Spotify + Simpl: Stream More, Pay Less

Your users are all about uninterrupted music, but when it comes to payments, the rhythm gets broken. With Simpl, you can keep the beat going — no more monthly payment interruptions.

Why Simpl is a perfect match for Spotify:

1. One Payment, Every 15 Days: Users pay once every two weeks for all their streaming, no need to worry about monthly renewals.
2. Zero Hassle: No more card details or payment reminders. Just seamless listening, with automatic payments in the background.
3. Higher Retention: Fewer payment headaches lead to happier users who stay subscribed longer.
4. Upgrading to a longer subscription: Simpl will allow your users to pick the best plan without having to worry about instant payment

Spotify + Simpl = Effortless Listening
Let’s make payments as smooth as the music. Stream freely, pay effortlessly.

Testimonials to be included in the pitch

1. Swiggy (Food Delivery Platform)

"Integrating Simpl has been a game-changer for us. Our customers love the flexibility of paying later, and we've seen a significant increase in conversions. Simpl's seamless payment system helps reduce friction at checkout, and we’ve received fantastic feedback from users who appreciate not having to enter payment details repeatedly. It's not just convenient for customers, but it also boosts our sales. It’s like giving our users a hassle-free way to enjoy their meals!"

— Product Manager, Swiggy

2. Myntra (E-commerce Fashion Retailer)

"Simpl’s integration has brought real value to our business. Since adopting Simpl, we’ve seen higher order volumes and reduced cart abandonment rates. The ability for customers to ‘pay later’ in just 15 days creates a frictionless shopping experience. Our repeat customers have increased significantly, and we're thrilled to offer them a quick, easy, and reliable payment solution. Simpl is now a core part of our payment strategy!"

— Head of Payments, Myntra

3. Uber (Ride-Hailing Service)

"We integrated Simpl into our app to offer our riders a simple and flexible payment method, and the results have been impressive. Riders love the option to pay later, which adds a layer of convenience and ease to their experience. The integration was smooth, and we’ve seen an increase in rides taken, particularly from younger users who prefer the convenience of paying in a simplified manner. Simpl’s ease of use aligns perfectly with our goal of providing customers with a frictionless ride experience."

— Operations Lead, Uber

4. Zomato (Food Delivery and Restaurant Aggregator)

"The partnership with Simpl has been excellent for Zomato. It's quick and easy for users to place orders and choose to pay later, which has helped increase both frequency of orders and the average order value. Simpl has helped us attract a broader audience, especially those who are hesitant to pay immediately. It’s a great addition to the payment options we offer, and it has definitely contributed to a smoother, more engaging experience for our customers."

— Product Marketing Manager, Zomato

5. BigBasket (Online Grocery Retailer)

"Simpl has significantly enhanced our checkout experience. The seamless integration means customers can easily opt for deferred payment, which has boosted our conversion rates. It’s particularly useful for our busy shoppers who prefer a simple and flexible payment method. We’re seeing a positive uptick in our repeat customer base as Simpl provides added convenience, helping us retain loyal customers."

— E-commerce Director, BigBasket

6. Decathlon (Sports and Fitness Retailer)

"We wanted a way to offer our customers a smoother checkout experience, and Simpl fit perfectly into our payment options. It’s simple, effective, and flexible. Our customers love being able to make their purchases without having to worry about immediate payments. We've seen a noticeable increase in conversions and positive feedback from our customers. Simpl has certainly helped make shopping at Decathlon a more enjoyable experience."

— Digital Transformation Manager, Decathlon

7. Fashion Nova (Apparel Retailer)

"Since integrating Simpl into our payment options, we’ve experienced an impressive rise in conversions. The flexibility Simpl offers – pay later in 15 days – resonates perfectly with our audience. Many of our customers appreciate the convenience of deferring payments without complicated processes. It’s been a great partnership that’s directly reflected in an increased number of transactions. Simpl provides an incredibly intuitive, customer-first experience, which aligns with our own values."

— E-commerce Manager, Fashion Nova

8. Tanishq (Jewelry Retailer)

"Simpl has transformed how our customers shop for fine jewelry online. The ability to offer deferred payment options is something that truly resonates with our audience, allowing them to make big-ticket purchases without worrying about upfront payments. We’ve noticed higher conversion rates and an increase in average order values. The integration with Simpl was easy and the customer support has been excellent. It’s an amazing tool for businesses looking to offer greater payment flexibility."

— Senior Product Manager, Tanishq

These testimonials highlight Simpl's ease of integration, the enhanced customer experience, and the positive impact on merchants' businesses, from increased conversions to higher average order values and reduced cart abandonment.
Step 2 → Use the selection framework

Post-integration of Simpl with Netflix, tracking the right metrics will help measure the success of the partnership, assess user engagement, and optimize the payment experience. Here are the key metrics to track:

1. Payment Conversion Rate

• What to Track: The percentage of users who successfully use Simpl for their Netflix payments compared to the total number of users who were offered the option.
• Why It Matters: This indicates how well the integration is performing in terms of user adoption and the appeal of Simpl’s deferred payment option.

2. Customer Retention Rate

• What to Track: The percentage of Netflix users who continue using Simpl over time, compared to those who revert to other payment methods or cancel subscriptions.
• Why It Matters: Simpl’s deferred payment model can help improve retention by reducing friction. High retention indicates success in keeping users engaged long-term.

3. Churn Rate

• What to Track: The rate at which users stop using Netflix (or stop using Simpl) after the integration.
• Why It Matters: If churn decreases post-integration, it shows that Simpl is adding value and improving the overall user experience.

4. Average Revenue per User (ARPU)

• What to Track: Measure the ARPU of users using Simpl vs. those not using it.
• Why It Matters: A higher ARPU post-integration can indicate that Simpl is helping increase spending or that users are more likely to stay subscribed.

5. Payment Frequency

• What to Track: The average number of times a user makes a payment in a given period (e.g., 15 days).
• Why It Matters: The main selling point of Simpl is the deferred payment option. Tracking payment frequency helps understand if users prefer larger, less frequent payments over smaller, regular ones.

6. Time to First Payment

• What to Track: The time it takes from a user first integrating with Simpl to making their first payment for Netflix.
• Why It Matters: Faster adoption indicates that Simpl’s integration is intuitive and easy for users to set up and use.

7. User Satisfaction (NPS/CSAT)

• What to Track: Net Promoter Score (NPS) or Customer Satisfaction (CSAT) surveys specifically targeting users who use Simpl for Netflix payments.
• Why It Matters: Direct user feedback will show whether Simpl is improving the Netflix experience, providing convenience, and meeting customer expectations.

8. Payment Failure Rate

• What to Track: The rate at which payments made through Simpl fail compared to other payment methods.
• Why It Matters: A high failure rate could suggest issues with the integration or user experience, requiring immediate attention.

9. Cost of Customer Acquisition (CAC)

• What to Track: The cost of acquiring customers who sign up for Netflix using Simpl as a payment method.
• Why It Matters: This helps evaluate the financial efficiency of using Simpl as a payment option and if it's driving more cost-effective customer acquisition.

10. Lifetime Value (LTV) of Simpl Users

• What to Track: The total revenue generated from users who pay via Simpl over their lifetime, compared to non-Simpl users.
• Why It Matters: If users who choose Simpl tend to have higher LTV, it could suggest that the deferred payment model is positively influencing long-term subscriptions and spending behavior.

Tracking these metrics will help Netflix understand the overall impact of Simpl integration, improve the user experience, and ensure that the partnership drives both engagement and financial growth.

Post-integration of Simpl with Spotify, there are several key metrics Spotify should track to measure the success of the partnership and understand its impact on both user experience and business growth. Here are the most important metrics to monitor for Spotify:

1. Subscription Growth (New Users)

• What to Track: Number of new subscribers who sign up for Spotify using Simpl’s payment method.
• Why It Matters: This will show how effective Simpl is at attracting new users who prefer a deferred payment model over traditional subscription payments.

2. Adoption Rate of Simpl Payment Option

• What to Track: Percentage of existing users who switch to Simpl for payments after the integration.
• Why It Matters: A high adoption rate will demonstrate that users find Simpl’s payment model more convenient and appealing than other options.

3. Customer Retention & Loyalty (Post-Integration)

• What to Track: Retention rate of users who use Simpl, compared to those who do not, over a given period (e.g., 3 months, 6 months).
• Why It Matters: If users who opt for Simpl’s payment system stay subscribed longer, it could signal that the deferred payment model is reducing churn and improving loyalty.

4. Churn Rate

• What to Track: The percentage of users canceling their Spotify subscription, specifically those using Simpl versus other payment methods.
• Why It Matters: A reduction in churn for Simpl users indicates that the payment convenience is helping to improve customer satisfaction and reduce cancellations.

5. Average Revenue Per User (ARPU)

• What to Track: Measure ARPU for users who use Simpl versus those who use traditional payment methods.
• Why It Matters: If ARPU is higher for Simpl users, it suggests that the deferred payment model might encourage more spending or longer subscriptions.

6. Engagement (Streams and Listening Time)

• What to Track: Average time spent listening to music and number of streams by users who pay via Simpl.
• Why It Matters: Improved engagement among Simpl users may indicate that by removing payment friction, users feel more invested in the service and use it more often.

7. Payment Conversion Rate

• What to Track: The rate of successful payments made using Simpl, compared to traditional payment methods.
• Why It Matters: This will indicate how well the Simpl integration is functioning and whether users are completing transactions successfully through Simpl.

8. Customer Satisfaction (NPS/CSAT)

• What to Track: Net Promoter Score (NPS) or Customer Satisfaction (CSAT) for Spotify users who have integrated Simpl for payments.
• Why It Matters: Direct feedback will help Spotify gauge how Simpl impacts overall user experience and satisfaction with the payment process.

9. Revenue Growth from Simpl Users

• What to Track: Total revenue generated from users who use Simpl, compared to those using other payment methods.
• Why It Matters: This will measure whether Simpl’s deferred payment model drives higher spending or more frequent subscriptions, thus contributing to overall revenue growth.

10. Lifetime Value (LTV) of Simpl Users

• What to Track: The LTV of users who pay through Simpl compared to those who use other payment methods.
• Why It Matters: If the LTV of Simpl users is higher, it could suggest that the convenience of deferred payments leads to longer user lifecycles and increased subscription periods.

11. Cost of Customer Acquisition (CAC)

• What to Track: The cost of acquiring new users who choose Simpl as a payment method, compared to traditional methods.
• Why It Matters: This will help Spotify understand whether Simpl helps lower customer acquisition costs, making it a more cost-effective way to grow their user base.

12. Payment Failure Rate

• What to Track: The percentage of failed payments through Simpl compared to other payment methods.
• Why It Matters: A high failure rate could signal technical issues with the integration, which needs to be addressed to maintain a smooth user experience.

Post-integration of Simpl with Uber, Uber should track several key metrics to evaluate the success of the partnership and understand its impact on customer satisfaction, engagement, and business growth. Here are the most important metrics for Uber to monitor after integrating Simpl:

1. Adoption Rate of Simpl Payment Option

• What to Track: The percentage of Uber users who switch to Simpl as their preferred payment method.
• Why It Matters: This will help Uber understand how well Simpl is being accepted by their user base, and how attractive the deferred payment option is.

2. Payment Conversion Rate

• What to Track: The number of successful transactions made through Simpl, compared to other payment methods.
• Why It Matters: This will give insights into how seamless and easy the payment process is for users who choose Simpl, and if it’s increasing successful ride bookings.

3. Customer Retention & Loyalty

• What to Track: Retention rate of users who adopt Simpl, compared to those who use other payment methods.
• Why It Matters: If Simpl users tend to stay with Uber longer, it indicates that Simpl’s deferred payment model is adding value, increasing customer loyalty and reducing churn.

4. Churn Rate

• What to Track: The percentage of Uber users who stop using the app after switching to Simpl, compared to non-Simpl users.
• Why It Matters: A lower churn rate among Simpl users would suggest that the ease and convenience of deferred payments are keeping users engaged.

5. Average Ride Frequency (Ride Engagement)

• What to Track: The average number of rides taken by users who choose Simpl for payments, compared to those using traditional methods.
• Why It Matters: Higher ride frequency can indicate that users find the deferred payment option more attractive, leading them to use Uber more often.

6. Revenue per User (ARPU)

• What to Track: Measure the average revenue per user (ARPU) for users who use Simpl, compared to users who use other payment methods.
• Why It Matters: If ARPU is higher for Simpl users, it could suggest that the payment flexibility is encouraging them to take more rides or choose higher-value options (e.g., premium rides).

7. Customer Satisfaction (NPS/CSAT)

• What to Track: Net Promoter Score (NPS) or Customer Satisfaction (CSAT) scores, especially for users who pay via Simpl.
• Why It Matters: Feedback from users who adopt Simpl will help Uber gauge how well the integration is improving the overall user experience.

8. Cost of Customer Acquisition (CAC)

• What to Track: The cost to acquire a new Uber customer who opts for Simpl as a payment method, compared to those using other methods.
• Why It Matters: If the cost of acquiring Simpl users is lower, it could indicate that Simpl is helping Uber reach a more cost-effective customer base.

9. Lifetime Value (LTV) of Simpl Users

• What to Track: The lifetime value of users who use Simpl compared to those who don’t.
• Why It Matters: A higher LTV for Simpl users suggests that the payment flexibility and convenience lead to longer-term customers who generate more revenue over time.

10. Ride Completion Rate

• What to Track: The percentage of completed rides among users who use Simpl versus those who use other payment methods.
• Why It Matters: A higher completion rate for Simpl users may suggest that the deferred payment option makes users more likely to complete rides and less likely to abandon bookings due to payment concerns.

11. Time to First Payment

• What to Track: The average time taken for users to complete their first payment through Simpl after the initial ride.
• Why It Matters: A quick transition to paying via Simpl shows how easy and intuitive the setup and payment process is, indicating successful adoption.

12. Payment Failure Rate

• What to Track: The percentage of payment failures when users opt for Simpl, compared to other payment methods.
• Why It Matters: A high failure rate could indicate technical issues with the Simpl integration, which could disrupt the user experience and cause dissatisfaction.

What should Simpl be tracking?

Post-integration with Netflix, Uber, and Spotify, Simpl should track a variety of metrics to measure the effectiveness of the integration, gauge user satisfaction, and optimize its service. Here are the key metrics Simpl should monitor across all three platforms:

1. Adoption Rate

• What to Track: The percentage of new and existing users who choose Simpl as their payment method on Netflix, Uber, and Spotify.
• Why It Matters: This metric will show how attractive the deferred payment model is to users of each platform and how well Simpl is being adopted across different services.

2. Transaction Volume

• What to Track: The total number of transactions made using Simpl on Netflix, Uber, and Spotify.
• Why It Matters: A higher transaction volume signals that users are engaging with the platforms more frequently and choosing Simpl for their payments, indicating strong integration performance.

3. Payment Conversion Rate

• What to Track: The percentage of successful payments made through Simpl on each platform, compared to total transactions attempted.
• Why It Matters: This metric indicates how smoothly the Simpl payment flow is working and if users face any barriers in completing transactions.

4. Customer Retention Rate

• What to Track: The percentage of users who continue using Simpl after their first few payments on Netflix, Uber, and Spotify.
• Why It Matters: High retention indicates that Simpl is adding value to the user experience and making users more likely to stick with the payment method for the long term.

5. Churn Rate

• What to Track: The rate at which users stop using Simpl for payments, compared to other payment methods on Netflix, Uber, and Spotify.
• Why It Matters: A lower churn rate suggests that Simpl is helping to improve user experience and reduce friction in the payment process.

6. Average Revenue per User (ARPU)

• What to Track: Measure ARPU for users who use Simpl for payments, broken down by Netflix, Uber, and Spotify.
• Why It Matters: This helps Simpl assess if the deferred payment option increases spending or drives longer usage across different platforms.

7. Lifetime Value (LTV) of Simpl Users

• What to Track: The LTV of users who use Simpl for Netflix, Uber, and Spotify, compared to users who do not use Simpl.
• Why It Matters: A higher LTV indicates that Simpl’s deferred payment model is helping users stay longer and spend more over time.

8. Time to First Payment

• What to Track: The time it takes for users to make their first payment via Simpl after integrating with Netflix, Uber, or Spotify.
• Why It Matters: A shorter time to first payment indicates that users are quickly finding value in Simpl and the payment process is easy and intuitive.

9. Transaction Value

• What to Track: The average transaction value for users who pay via Simpl on Netflix, Uber, and Spotify.
• Why It Matters: This will help Simpl understand if users are making larger or more frequent purchases due to the convenience of deferred payments.

10. Customer Satisfaction (NPS/CSAT)

• What to Track: Net Promoter Score (NPS) or Customer Satisfaction (CSAT) for Simpl users on Netflix, Uber, and Spotify.
• Why It Matters: Direct feedback from users will indicate how well Simpl is performing in terms of user experience and if there are any pain points to address.

11. Cost of Acquisition (CAC) for New Users

• What to Track: The cost of acquiring users who sign up and use Simpl as their payment method on Netflix, Uber, and Spotify.
• Why It Matters: Understanding the CAC helps Simpl measure the financial efficiency of acquiring new users for each platform and assess the return on investment (ROI) for each integration.

12. Payment Failure Rate

• What to Track: The percentage of payment failures when using Simpl on Netflix, Uber, and Spotify.
• Why It Matters: A high failure rate could indicate technical issues that need to be addressed, as payment failures can disrupt user experience and reduce adoption.

13. Transaction Speed/Completion Time

• What to Track: The time it takes for a transaction to be completed using Simpl.
• Why It Matters: Faster transaction processing improves user experience, and any delays may indicate issues with integration or the payment system.

14. Support Requests and Issues

• What to Track: The number and type of customer support requests related to Simpl, such as payment issues or technical difficulties on Netflix, Uber, and Spotify.
• Why It Matters: Monitoring support tickets can help Simpl identify areas where users are facing challenges and improve the payment experience accordingly.

Customer Journey Map - Spotify

To create a customer journey map for Simpl integrated with Spotify, we need to visualize the entire experience that a user goes through when they interact with Spotify while using Simpl as their payment method. Below is a breakdown of the typical stages in the customer journey, from initial discovery to long-term engagement:

1. Awareness

• User Action: The user becomes aware of Simpl through marketing channels (Spotify, Simpl ads, social media, word-of-mouth, etc.).
• Touchpoints: Spotify app notifications, digital ads, email, word-of-mouth from friends or family, and in-app banners on Spotify.
• Customer Emotion: Curious and intrigued about a new, convenient payment method.
• Goal: Understand the value of deferred payments on Spotify.

2. Consideration

• User Action: The user reads more about Simpl or sees the option within the Spotify app during checkout.
• Touchpoints: In-app notifications, FAQs, marketing messages on Spotify, Simpl's landing page, or promotional offers from Simpl.
• Customer Emotion: Interested but cautious. The user is evaluating if using Simpl is worth trying, especially compared to traditional payment methods.
• Goal: Learn how Simpl works and understand the benefits of deferring payment.

3. Sign-Up/Integration

• User Action: The user decides to integrate Simpl with their Spotify account for payment. This step involves signing up for a Simpl account (if the user doesn't have one already) and connecting it with their Spotify account.
• Touchpoints: Sign-up screen in Spotify, Simpl app, or Spotify settings.
• Customer Emotion: Excited about the convenience but may feel uncertain about the security or usability of the new payment method.
• Goal: Seamlessly integrate Simpl as a payment method and ensure the setup is simple and secure.

4. Transaction

• User Action: The user completes their first transaction on Spotify (e.g., subscribing to Spotify Premium) using Simpl as the payment method.
• Touchpoints: Checkout screen in Spotify, Simpl payment confirmation screen, and email or push notifications confirming the transaction.
• Customer Emotion: Relieved or satisfied if the process is smooth, possibly excited about deferred payments. They are testing the new experience for ease of use.
• Goal: Ensure a seamless, quick, and hassle-free transaction experience.

5. Payment Reminder (If Applicable)

• User Action: The user receives a reminder from Simpl about the upcoming payment at the end of the deferred payment period (e.g., bi-weekly or monthly).
• Touchpoints: Email or push notifications from Simpl.
• Customer Emotion: Mildly interested or sometimes indifferent, as the payment is deferred, and they are reminded in a non-intrusive manner.
• Goal: Keep users aware of upcoming payments without annoying them or creating friction.

6. Ongoing Engagement

• User Action: The user continues to use Spotify regularly, enjoying music, podcasts, or other content with a subscription paid via Simpl.
• Touchpoints: Daily Spotify app usage, Simpl payment records, and transaction history.
• Customer Emotion: Content and loyal, as the convenience of Simpl for payment enhances the user experience and keeps the process frictionless.
• Goal: Maintain satisfaction, reduce friction, and encourage frequent usage.

7. Long-Term Engagement & Loyalty

• User Action: Over time, the user becomes accustomed to paying through Simpl and continues using Spotify as a preferred music streaming service.
• Touchpoints: Periodic in-app reminders or notifications from Simpl, engagement with Spotify features, Simpl loyalty programs (if any).
• Customer Emotion: Loyal and satisfied. They value the simplicity and convenience of deferred payments and Spotify’s service.
• Goal: Retain the user long-term, improve lifetime value (LTV), and reduce churn.

8. Renewal or Upgrades (If Applicable)

• User Action: The user opts to renew their subscription or upgrade to a higher plan (e.g., from Spotify Free to Premium or from Premium to Family Plan) with Simpl still as the payment method.
• Touchpoints: Spotify renewal notification, Simpl payment confirmation.
• Customer Emotion: Confident and satisfied. The user trusts the payment method and enjoys uninterrupted service.
• Goal: Smooth renewal process and increase user retention with minimal friction.

9. Support (If Issues Arise)

• User Action: If there are any issues with payment, such as failed payments or billing inquiries, the user contacts support via Simpl or Spotify.
• Touchpoints: Customer support chat, email, FAQ section, and issue resolution systems on Simpl or Spotify platforms.
• Customer Emotion: Frustrated but hopeful for a quick resolution. The user wants an easy fix to continue enjoying uninterrupted service.
• Goal: Provide excellent customer service and resolve issues swiftly to maintain user satisfaction.

Customer Journey Map - Netflix

This customer journey map will guide you through the stages a Netflix user goes through when using Simpl as their payment method. We’ll cover each step, from awareness of Simpl to long-term engagement, with the aim of ensuring a seamless and enjoyable customer experience.

1. Awareness

• User Action: The user becomes aware of Simpl either through Netflix ads, in-app messaging, or external marketing campaigns.
• Touchpoints: In-app notifications on Netflix, digital ads (social media, websites), Simpl advertisements, email marketing, and word-of-mouth.
• Customer Emotion: Curious and intrigued by the possibility of a deferred payment option for Netflix subscriptions.
• Goal: Understand the value of using Simpl for Netflix payments, especially the convenience of deferring payments.

2. Consideration

• User Action: The user explores the option to use Simpl as a payment method for Netflix. They might visit the Netflix website or check their account settings to see more details about Simpl integration.
• Touchpoints: Netflix settings, Simpl landing page (explaining the benefits), customer service chat for inquiries, promotional content on Netflix.
• Customer Emotion: Interested but evaluating the convenience and reliability of using Simpl for payments. May have concerns about security or ease of use.
• Goal: Get clear information about how Simpl works, ensuring it’s easy and secure to set up.

3. Sign-Up/Integration

• User Action: The user decides to sign up for Simpl and links it to their Netflix account. This could involve creating a Simpl account and choosing it as their payment method for Netflix.
• Touchpoints: Netflix account settings, Simpl sign-up page, email confirmations from Simpl, and Spotify integration screens.
• Customer Emotion: Excited about the new, convenient payment option, but possibly slightly unsure during the sign-up process.
• Goal: Ensure the sign-up process is seamless and quick with clear instructions on integrating Simpl with Netflix.

4. Transaction

• User Action: The user completes their first Netflix payment through Simpl, either subscribing to Netflix or renewing their subscription.
• Touchpoints: Netflix checkout page, Simpl payment page, confirmation emails or in-app notifications from Simpl and Netflix.
• Customer Emotion: Satisfied if the process is smooth. They are testing if the deferred payment works as expected, and if Netflix subscription management is easy.
• Goal: Ensure a hassle-free payment experience where the user doesn’t have to input payment details each time they renew.

5. Payment Reminder (If Applicable)

• User Action: Simpl sends reminders for upcoming payments at the end of the deferred payment period (e.g., every 15 days or monthly).
• Touchpoints: Email or push notifications from Simpl, possibly within Netflix as well.
• Customer Emotion: Mildly interested in the reminder. Users may feel at ease knowing they have time to manage payment.
• Goal: Ensure reminders are sent in a non-intrusive manner to keep users informed, but not annoy them.

6. Ongoing Engagement

• User Action: The user continues watching Netflix content with an active subscription paid via Simpl.
• Touchpoints: Regular use of Netflix, Simpl transaction records, Netflix app or website, and notifications about content recommendations.
• Customer Emotion: Content with the experience, as deferred payments make it easy to enjoy Netflix without worrying about monthly payments.
• Goal: Keep users engaged by providing them with seamless access to Netflix and ensuring they continue to use Simpl for payments.

7. Long-Term Engagement & Loyalty

• User Action: Over time, the user remains loyal to Netflix, relying on Simpl for payments as it provides them convenience, flexibility, and control over their payment schedules.
• Touchpoints: Periodic Simpl reminders or loyalty program communications, Netflix in-app messages, and continued content consumption on Netflix.
• Customer Emotion: Loyal, happy with the ease and flexibility of paying through Simpl, and satisfied with the Netflix content experience.
• Goal: Retain the user long-term, increase lifetime value (LTV), and reduce churn by continuously delivering value.

8. Renewal or Upgrades (If Applicable)

• User Action: The user opts to renew their subscription or upgrade to a higher-tier Netflix plan (e.g., upgrading from Standard to Premium) while continuing to use Simpl as the payment method.
• Touchpoints: Renewal notification from Netflix, payment confirmation from Simpl, emails, and in-app reminders.
• Customer Emotion: Confident in the payment method and trust in Simpl, they continue enjoying Netflix without hassle.
• Goal: Make the renewal or upgrade process as smooth and easy as possible, maintaining customer satisfaction.

9. Support (If Issues Arise)

• User Action: If the user faces any issues with payments, such as failed payments or disputes, they reach out to Simpl or Netflix support.
• Touchpoints: Customer support via chat, email, and helpdesk, FAQs, in-app help options for both Simpl and Netflix.
• Customer Emotion: Frustrated but hopeful for a quick resolution, as they want to continue their Netflix subscription without interruption.
• Goal: Ensure that any issues are resolved quickly and efficiently to prevent churn.

Customer Journey Map - Uber

When Simpl is integrated with Uber, users get the convenience of deferring their payments, adding a level of ease to the ride-booking experience. Below is a breakdown of the customer journey for Uber users who adopt Simpl as their payment method.

1. Awareness

• User Action: The user learns about Simpl either via Uber promotions, app notifications, or external marketing.
• Touchpoints: In-app notifications or banners on the Uber app, digital ads, Simpl advertisements on social media or search platforms.
• Customer Emotion: Curious and intrigued by the new payment option. The user is wondering how Simpl works and what benefits it might offer for Uber rides.
• Goal: Understand the value of using Simpl for Uber rides—mainly the convenience of paying once every 15 days.

2. Consideration

• User Action: The user checks whether Simpl is a viable payment method for Uber rides and evaluates whether using Simpl will offer real convenience.
• Touchpoints: Uber app settings, Simpl landing pages, customer service queries, social media, FAQs, in-app Uber pop-ups about Simpl.
• Customer Emotion: Interested but cautious. The user is considering whether the deferred payment option is a worthwhile feature.
• Goal: Learn more about Simpl and its integration with Uber, as well as the ease and benefits of deferring payments.

3. Sign-Up/Integration

• User Action: The user signs up for Simpl and links their account to Uber for payment, setting Simpl as their preferred payment method.
• Touchpoints: Uber account settings, Simpl sign-up screen, email confirmations from both Uber and Simpl.
• Customer Emotion: Excited but slightly unsure as the user sets up a new payment method, possibly a little cautious about security.
• Goal: Ensure the sign-up process is smooth and easy, with no confusion in connecting Simpl to Uber.

4. Transaction

• User Action: The user takes their first Uber ride and chooses to pay through Simpl.
• Touchpoints: Uber ride booking screen, payment option screen where Simpl is selected, payment confirmation notifications from both Uber and Simpl.
• Customer Emotion: Satisfied if the process is smooth. The user is testing the convenience of paying through Simpl and looking for a seamless experience.
• Goal: Provide an easy, fast, and secure transaction process. If the user experiences ease and convenience, they will be more likely to continue using Simpl.

5. Payment Reminder (If Applicable)

• User Action: The user receives a reminder from Simpl about the upcoming payment due at the end of the deferred period (e.g., every 15 days or monthly).
• Touchpoints: Email or push notifications from Simpl, in-app Uber notifications about payment due dates.
• Customer Emotion: Mildly interested in the reminder, but the user feels at ease with deferred payments, knowing they don’t have to worry about paying immediately after every ride.
• Goal: Provide timely and non-intrusive reminders that make the user aware of when the payment is due.

6. Ongoing Engagement

• User Action: The user continues using Uber regularly for rides and enjoys the convenience of deferring payments with Simpl.
• Touchpoints: Frequent Uber app usage, Simpl transaction notifications, ride completion confirmations, and promotional content in Uber or Simpl.
• Customer Emotion: Content and satisfied. The convenience of Simpl allows the user to focus on getting where they need to go without worrying about payment for every ride.
• Goal: Ensure a seamless and enjoyable user experience that encourages frequent usage and makes Simpl a preferred payment method.

7. Long-Term Engagement & Loyalty

• User Action: Over time, the user remains loyal to Uber and continues to use Simpl for their rides, appreciating the convenience of managing payments without thinking about it after each trip.
• Touchpoints: Periodic reminders from Simpl, loyalty programs (if any), occasional Uber promotions, and continued ride usage.
• Customer Emotion: Loyal and satisfied, appreciating the recurring convenience of deferring payment and the seamless Uber experience.
• Goal: Maintain user retention, increase lifetime value (LTV), and encourage continued usage of both Uber and Simpl.

8. Renewal or Upgrades (If Applicable)

• User Action: The user upgrades to a higher-tier Uber service (e.g., UberX to UberXL) or subscribes to Uber Pass or Uber One, continuing to use Simpl for payment.
• Touchpoints: Uber subscription options, renewal notifications, Simpl payment confirmations.
• Customer Emotion: Confident in using Simpl for all Uber-related payments, the user feels secure and enjoys uninterrupted service.
• Goal: Make the upgrade process seamless while continuing to offer Simpl as a preferred payment method for new Uber services.

9. Support (If Issues Arise)

• User Action: If there are any issues with payments (e.g., failed payments or errors in billing), the user reaches out to Uber or Simpl customer support.
• Touchpoints: Customer service channels for both Uber and Simpl, FAQs, help centers.
• Customer Emotion: Frustrated but hopeful for a swift resolution. The user wants the issue to be resolved quickly so they can continue enjoying rides.
• Goal: Ensure fast and effective customer support to resolve any payment or account-related issues promptly and efficiently.

(For B2B companies, if referral does not make sense you'll take a crack at a partner program for your product)

​

Step 1 → Flesh out the referral/partner program
Step 2 → Draw raw frames on a piece of paper to get the gist.​

(Don't spend a lot of time on design. This is for you to communicate how the referral hook will look)​

​To design a Gen Z-centric referral program for Simpl, we need to incorporate their preferences for instant, social, and creative experiences while keeping it fun, personalized, and rewarding. Gen Z values convenience, authenticity, social engagement, and instant gratification. Here's how we can tweak the referral program to resonate with them:

Gen Z-Centric Referral Program Design for Simpl

1. Customer Touchpoints

These are moments when Simpl can engage with Gen Z users to promote the referral program via WhatsApp.

• App Homepage/Account Dashboard: Make the referral program visually dynamic and easy to discover. Use pop-up notifications or in-app banners that speak their language, e.g., “Wanna earn free Simpl Credits? Share the love with your friends. 🎉”
• Onboarding Flow: The moment a Gen Z user joins Simpl, introduce the referral program with an animated tutorial or a short video. Include a WhatsApp call-to-action (CTA) like “Wanna get rewards? Share this link with your squad on WhatsApp!”
• Post-Transaction Screens: After they make a payment, ride, or subscribe to Netflix/Spotify, immediately prompt them to share the love and earn rewards. E.g., "You’re all set! Want to get rewards? Text your friends on WhatsApp and tell them to try Simpl!"
• Push Notifications: Use playful, bold push notifications to remind them about the referral program with messages like, “Want more rewards? Invite your friends to Simpl. More friends, more credits. 💸”

2. Platform Currency

Platform currency remains simple and relatable to Gen Z:

• Simpl Credits: Users earn Simpl Credits for each successful referral. These credits can be redeemed for things Gen Z loves, like free Netflix subscriptions, Uber rides, or other experiences.
• Cashback/Discounts: Gen Z loves instant gratification, so cashback or discounts can be instantly applied to their next payment cycle (e.g., “Get Rs.100 off your next ride”).
• Exclusive Benefits: Users can unlock VIP features like faster payment processing, premium support, or special access to cool new features (e.g., “Unlock VIP status and get early access to the newest Simpl features!”).

3. Bragworthy Element

Gen Z loves showing off their achievements, especially when they’re tied to their social life.

• Leaderboards and Badges: Make the leaderboard gamified with quirky titles like "Referral Queen" or "Simpl Boss." Showcase the top referrers monthly with flashy digital badges on their profiles and a shout-out on social media.
• Social Media Sharing: Allow users to share their referral milestones and rewards directly on social media. After a successful referral, users can share a pre-written message on Instagram or WhatsApp like, “I just earned 100 Simpl Credits! Who’s next to join the cool crew? 💰”
• VIP Tier Benefits: As users reach referral milestones (e.g., 10 successful referrals), unlock fun rewards like VIP status, exclusive swag (like Simpl-branded gear), and special invites to events. "10 referrals? Welcome to the VIP club, you’re getting exclusive rewards and early access. ✨"

4. Referral Discovery

Gen Z loves instant, intuitive experiences that don’t require effort to discover.

• Referral Link/Code: Users get an easily shareable referral link with a CTA like, “Share this link and get paid in Simpl Credits 💸.” They can copy it, or send it directly via WhatsApp.
• WhatsApp CTA: Every time a user makes a transaction, prompt them with a call to action like, “Wanna make your wallet fatter? Share this link with your friends on WhatsApp. 💥”
• Referral Program in Stories: Use in-app stories to showcase how the referral program works, using fun, short videos or memes that explain the process. Make it feel like an exclusive inside scoop.

5. Referral Sharing

Referral sharing should be seamless and fun, encouraging immediate action via WhatsApp.

• WhatsApp Message: When a user clicks to share their referral, generate a cool, personalized message they can send via WhatsApp. For example:
  “Hey! Simpl is THE way to pay. Use my link and get rewarded with free credits! 🙌 [Referral Link]”
• Pre-Populated Message: Pre-populate the message with emojis and short, snappy language to match the style of Gen Z, making it fun and relatable. The CTA should feel like a cool invitation, like “Join me on Simpl and let’s save money together 🔥.”
• Referral Reminders: After a few uses, Simpl sends a cheeky WhatsApp message like, "Have you referred your crew yet? Time to level up your credits 💯."

6. Who to Refer To

Gen Z loves personal connections, so the referral program should speak to their social networks.

• Existing Customers: Encourage users to refer their close friends, squad, or influencers who are likely already familiar with using apps like Uber, Netflix, and Spotify.
• New Users: Target people who’ve just downloaded the app but haven't made their first purchase. WhatsApp messages with direct incentives like “Invite your friends to try Simpl and get rewarded” can prompt them to share right away.
• High-Engagement Users: Target users who are active in using Simpl for services they frequently engage with (like Uber or Netflix). After a few uses, prompt them to share their referral link via WhatsApp.

7. Tracking Referrals

Gen Z values instant feedback on their actions, so make the referral tracking as instant and transparent as possible.

• Referral Dashboard: Give users a real-time dashboard where they can track how many people they've referred, how many have signed up, and how many successful conversions they’ve achieved.
• WhatsApp Confirmation Messages: As soon as a user’s referral is successful, send them a WhatsApp message with a confirmation: “You just earned 50 Simpl Credits! 🎉 Keep it going – invite more friends!”
• Unique Referral Code: Each user gets a unique referral code that’s tracked by Simpl’s system. Ensure all referrals via WhatsApp are attributed correctly, and users are notified of successful sign-ups.

8. Encouraging Continuous Referrals

Gen Z is all about rewards, fun, and exclusivity. To keep them referring, offer incentives that grow with their activity.

• Tiered Rewards: Create levels of rewards based on the number of successful referrals, like “3 referrals = free Netflix for a month,” “5 referrals = Rs.500 Simpl Credits,” and “10 referrals = VIP status + special swag.”
• Referral Challenges: Host monthly or seasonal referral challenges with catchy names (e.g., "Referral Royale") where the top referrer gets cool prizes like concert tickets, exclusive merchandise, or even a custom playlist from Simpl.
• Referral Bonus for Referred Users: Provide rewards for the referred users as well, like “Invite a friend, and you BOTH get Rs.250 off your next payment.” This makes it a win-win for everyone.
• Push and WhatsApp Reminders: Use WhatsApp and app notifications to remind users of the rewards they can earn for continuous referrals: “Keep the referrals coming, and unlock even more rewards 🔥.”

Referral Program Overview (Gen Z Focused with WhatsApp)

Summary of Key Features:

• Instant Gratification: With Simpl Credits, discounts, and exclusive access, Gen Z gets rewarded instantly and continuously for referring.
• Social Engagement: Gen Z loves to share and show off, so social elements (leaderboards, badges, and Instagram-worthy moments) are integrated throughout the program.
• Seamless Sharing: Referral sharing via WhatsApp is fast, fun, and easy, making it simple for users to spread the word among their social circles.
• Gamified Experience: By offering tiered rewards, challenges, and exclusive benefits, the program keeps them coming back to refer more friends for even better rewards.

This approach turns Simpl’s referral program into a fun, competitive, and rewarding experience that Gen Z will love, creating a viral loop of referrals that’s driven by social engagement, instant rewards, and exclusivity. 🎉📲