P2P Payments: Transfers per User in the First 30 Days
Scenario
A new peer‑to‑peer (P2P) payments feature has just launched. You are asked to analyze how many transfers users make early on.
Assume a 30‑day calendar window after launch. Clarify your denominator: either (a) all eligible users of the app, or (b) only users who made at least one P2P transfer ("activated" P2P users). State your assumption or answer for both.
Question
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What distribution do you expect for the number of transfers per user in the first 30 days post‑launch? Briefly justify (e.g., right‑skew, long tail, log‑normal/Pareto behavior).
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Estimate where the mean, median, mode, and 95th percentile would lie in that period.
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After two months, how and why would this distribution change?
Hints
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Discuss right‑skew, zero inflation, long tail, and possible log‑normal/Pareto or negative‑binomial behavior.
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Consider adoption, onboarding frictions, network effects, and churn/retention dynamics.