1. PMF Expansion
   1. Without UPI
      1. FamCard only, minimum 20% MTU MoM, with CAC = INR 600
         1. Referrals
         2. Partnerships
         3. Amplify FamCard use cases
            1. GPRC
            2. Recharge
         4. Reduce the churn
         5. Reward economy
         6. 0-1 Experimentation
            1. GRIP
            2. Savings/ Goal Keeper
            3. Pocket Money
   2. With UPI
      1. 500k MTUs for teens with CAC = INR 500, 20 crore Total Budget
         1. Activation to Habit Funnel Optimisation
         2. Amplify spend use cases
         3. Lower CAC
         4. Reward economy
         5. Amplify one word Feeling Metric
         6. Conversation starters to scale organically
         7. Capitalise on Behaviour Data from SMS and Instagram
         8. Improve customer support experience for habit customers
         9. Overall spend experience/ efficiency to break benchmarks
2. Scale Test for 10x
   1. Support should be ready
      1. Do we have agents on call
   2. Infra performance
      1. Risk & Fraud
      2. Downtimes
      3. Iron bank Transaction success rate
      4. KYC success rate
      5. TT Stress testing
   3. Consistency in Brand Communication Across functions
      1. ZOMATO TYPE DESIGN SYSTEM APPROACH
   4. Card Operations
   5. Team Bandwidth/ Outsourcing
   6. Product Ops
3. Efficiency and Effectiveness of the Org
   1. Implementation of Org Strucutre
   2. Company OS Implementation
      1. Hiring Process
      2. Appraisal and Promotion
      3. Values and Non-Values
      4. Feedback
      5. Guiding Principles
      6. Onboarding & Exit
      7. Company Policies
      8. Misc
   3. All-Remote Execution
      1. Guidelines
      2. Tools
      3. Offsite planning
      4. Yearly Budgets
   4. % OKR Killed
   5. eNPS Implementation
4. Ready for TT Launch
   1. Stress Testing
   2. Setup of operational and regulatory processes
   3. All approvals and certifications
      1. App Security
      2. White plastic certification
      3. Whitelisting UPI and BIN on various merchants
      4. Card Related Approvals
      5. PSP Approval
      6. CPS Application
      7. Misc
   4. Fintech Infra Dev
      1. JusPay UPI
      2. M2P Leased Line
      3. Transaction Ledgers
      4. Digio & HyperVerge KYC
      5. M2P CMS
      6. Misc
         1. Deployment Pipelines
   5. Product Experience Dev
   6. Setting up the regulatory team
5. Validate Young Adults PMF
   1. Experiment for Earnings for Young Adults
      1. Do things that don't scale
   2. Pulse and learnings about the TG behaviour from experimentation
      1. Launch Strategy for checking account
      2. Research & Planning
6. Misc & Q3
   1. GTM Planning for TT
   2. MPL OAuth Cobranding
   3. Checking Account
   4. Planning for rebrand
   5. Migration from IDFC to TT
7. BB
8. Momo
9. Gupta
10. AB
11. PS