Kiwi Uses Timed Onboarding Milestones to Drive Activation

Context

Kiwi is a credit card and rental payment app in India. To drive new user activation, the app uses an onboarding milestone tracker with a built-in countdown timer. New users see their progress through the onboarding steps with a timer ticking down — creating urgency to complete the setup before time runs out and potentially missing out on a reward.

Why This Works

Combining milestones with timers creates both motivation and urgency during onboarding. It works because (1) Milestones break the onboarding into manageable steps, making the full process feel less overwhelming, (2) The timer adds urgency — users are motivated to finish before it expires, (3) The visual progress indicator makes users feel invested in completing what they’ve already started.

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