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16/07/2026

People keep asking whether AI is really changing IT. 🤖
In my recent sprint planning, along with story points and capacity, we were discussing AI token usage too.
That's when I realized AI is no longer the future—it's already part of our daily work.
As a Product Manager, I don't see AI replacing people; I see teams delivering faster and smarter with it.
The real advantage is learning how to work alongside AI.
The question is no longer "Will AI change IT?"
It's "How much more can we achieve with it?" 🚀
FutureOfWork Productivity AITools

14/02/2026

Why CRED is failed business model in India?

1. Rewards are tiny compared to the effort
Customers often pay credit card bills through the app hoping for value, but the rewards (coins, tiny cashback, small discounts) feel trivial compared to the amount paid. People expect meaningful benefits, not pennies for big payments.
2. The shopping experience feels like a discount bazaar
CRED markets itself as a premium platform for premium users — yet its marketplace is filled with constant deals and cheap products. This contrasts sharply with the aspirational, premium image many users expect, making people question the real value proposition.
3. It’s not intuitive or time-efficient for users
Instead of making credit card management simple and seamless, CRED’s frequent UI changes, reward mechanics, and promotions can feel confusing and distracting. For many customers, it adds complexity rather than solving a meaningful problem.
In short (customer POV): 👉 You pay big bills
👉 You get tiny rewards
👉 You deal with unclear, busy interfaces
👉 It doesn’t really feel premium or worth the time

07/01/2026

Most products fail because we build things nobody wants ❌
Here’s how to reduce that risk 👇
1️⃣ Risk Calibration 🎯
Not all ideas are equal.
Big ideas need strong proof.
Small ideas can move fast.
2️⃣ Explore Before Building 🧭
Understand the problem first.
Look at many options.
Don’t rush to one solution.
3️⃣ Talk to Customers 🎧
Speak to real users often.
Ask about real experiences.
Listen more than you talk.
4️⃣ Understand the User 🧩
Know their goal.
See what frustrates them.
Fix real problems first.
5️⃣ Better Ideas Together 💡
Different people = better ideas.
Share insights.
Sketch and improve as a team.
Great products come from
❌ less guessing
✅ more learning

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