Weekly Updates

Aug 10, 2025

Summary

  1. Android version 35 upgrade is live
  2. First 7 day MAU is largest for Aug since March.
  3. Pi3 Repeat delinq could be cause of concern

Android version 35 upgrade is live

Deadline for migrating to android 35 was Aug 31, failing which play store would stop accepting any updates to our app. Migrating to android 35 presented several challenges solving which Saravanan spent, on and off, a few months. Here are some notes.

We went live with the updated app this Wednesday. Rollout is currently 1% (or may be by now it is larger). We will monitor any problems in the field and increase rollout as we get confident. This update also paves way for upgrading digio SDK next.

First 7 day MAU and PL NU are largest in recent history

The intake of NU is now beyond the critical mass that is needed for growth. On the flipside - delinquencies are higher too. Is payback higher than what we can afford, that needs to be seen.

Pi3 repeat delinq could be cause of concern

Look at the following, "collection view" of D35 repeat delinquency. A number of xx% for month M means that of the monies whose collection was supposed to start sometime in month M, within 35 days, xx% of the money stood uncollected.
We provide a 2/3 leeway to Pi3 since first installment has 0 delinquency (and we still get MDR there). Despite that, in later months, Pi3 collection is poorer than PL collection, dragging RU delinquency up. We need to look at it closely.

Progress in cryptolinking

Some progress in cryptolinking last week.

The mobile app server released an endpoint, which will be available for the linking screen. As soon as a notification is received, the linking screen makes an API call to this endpoint and pass the verification ID. The mobile app server endpoint will return the device make and model along with the verification ID as a response. The linking screen will then pass this data as metadata to the approval API.

Status:
Mobile App
Endpoint has been released
Transaction frontend
Changes are done.
@Raksha A is doing the testing for this before release, We have decided we will release this before the Sveltekit Migration(Transaction-frontend). So we can test initial result.

Select revoke

Revoking select from CRM was not present earlier, now it is live

Misc app releases

Select perks, savings voucher sunset. Also KCC tech scoping is done. Release date to be communicated.

Prakash's tech talk

Prakash gave a tech talk on Pi3 revamp. Here are the slides and the video.

Integration videos

Akhil Pandey shared with me a bunch of videos he has made to help clients do integration. Find them here.

Rising number of approval calls

SELECT SUBSTR(bucket_id, 6) AS date, COUNT(*) AS num_approval_calls
FROM public.user_approval_events 
WHERE event_name IN (
    'ZeroClickTransactionEligibilityFailedEvent',
    'UserApprovedEvent',
    'UserApprovalFailedEvent',
    'ZeroClickTransactionEligibilitySuccessEvent')
AND bucket_id >= 'date_2025_06_01'
GROUP BY 1
ORDER BY 1

Rising number of approval calls have caused instability in some of our systems. We need to find the reason of increased number of approval calls. There are rumours that juspay is calling us needlessly.

Update on AARR

AARR is live in a limited way currently (till we fix remaining work from TS side). With this limited rollout - some AARR removal is happening via user payment on merchant app. This is very encouraging.

Thanks Manish for the dashboard and the data - of some 157 completed AARRs, 10 are via merchant page - that is 10 "blocked" users unblocking themselves by paying on merchant app.