Thought Leadership

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Field Notes from the Work

I write about product management, AI, data strategy, and the industries where they intersect.

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Executive Outcomes Series

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Ten articles translating platform investments into executive-language outcomes. Each piece is grounded in a case study and written for the VP, CPO, or CEO who needs to understand what a product investment actually buys.

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Framework: The Red Napkin Playbook

The 3-visit framework that explains every onboarding system I've built.

Jon Taffer's Red Napkin strategy from Bar Rescue is deceptively simple: three visits, three specific interventions, one loyal customer. The insight isn't the tactics: it's the underlying principle. The system knows where the customer is in their relationship, and delivers the right intervention at the right moment.

In B2B SaaS onboarding, this translates directly: Visit 1 is the quick win that makes the product's value concrete. Visit 2 is the activation prompt: the direct deposit moment, the integration setup, the feature that predicts long-term retention: delivered after the user has experienced enough value to act. Visit 3 is the stickiness layer: cross-sell, multi-product adoption, or deeper integration at the moment the habit is established.

The USAA 90-day onboarding journey is this framework operationalized across 180 interactions. The Tend state-driven onboarding is this framework applied to cross-border compliance. The iPROMOTEu identity decision system is this framework applied to platform access control. The pattern is consistent because the underlying principle is universal: state-aware systems make better decisions.

Visit 1: Red Napkin

Seat the customer with a red napkin. Signal to staff: this person is new, give them your best.

Deliver a quick win in the first session. Make the product's value concrete before the user has time to doubt.

80%more users retained when a quick win is delivered during onboarding

Visit 2: Chicken Discount

Handwrite a '$5 off chicken' voucher as they leave. High-value incentive at the moment of highest receptivity.

Surface the activation behavior: direct deposit, integration, core feature: after the user has experienced value, not before.

+12-15%direct deposit enrollment when prompt timing was redesigned at USAA

Visit 3: Free Cheesecake

Handwrite a 'free cheesecake' voucher on the same card. Lock in the habit, create an expectation of ongoing value.

Introduce the stickiness layer: cross-sell, multi-product, deeper integration: at the 30-day milestone when the habit is established.

+10%multi-product adoption from 30-day milestone cross-sell at USAA

More articles coming

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The Operating System

A System of Systems

ibuildsystems.io

Onboarding & Retention
Tiered Persona Model
Cultural Ecosystem Design
Compliance as Architecture

Four frameworks. One repeatable system. Applied across banking, fintech, government, and B2B SaaS to turn broken workflows into scalable revenue engines.