Saad Salman

Every product decision is a bet. Are you betting informed? MIT: data-driven firms are 5–6% more productive. In card programmes that shows up in activation and KYC drop-off. saadsalman.org/case-studies...

Winning your own name is an entity problem, not discovery. Google could already find me. The hard part was standing out from every other Saad Salman. Playbook (open-sourced): saadsalman.org/blog/winning...

I build payment products for a living. Huge talent goes into making spend effortless. Almost nobody engineers that same frictionless magic for your savings rate. Start ugly, start now. Compounding is the one thing money cannot buy back. saadsalman.org/blog/the-reg...

My About page had a complete Person schema graph and 162 words. Google skipped it anyway. Schema does not fix thin content. Word count, query intent, and whether two pages fight the same query come first. saadsalman.org/blog/schema-...

I see subscriptions from the billing side. Once revenue depends on people not leaving, incentives stop aligning with theirs. Cancellation mazes aren't retention. They're a liability. saadsalman.org/blog/the-sub...

That beep after a contactless tap moved zero money. It only reserved a hold and promised the merchant an answer. Authorization is a promise. Settlement is the payment. Most of what cards do that feels weird lives in the gap. saadsalman.org/case-studies...

"Walk me through a card tap at a coffee shop." That's the FizzBuzz of payments PM interviews — looks trivial, filters hard. 15 questions I compared notes on with other payments PMs: saadsalman.org/blog/payment...

In MENAP, cash is the competitor — trusted, universal, free at the point of use. You're not switching cards; you're asking people to trust a screen with money they can hold. What actually changes when you build card programs here: saadsalman.org/blog/fintech...

An agent can book the flight. The moment money has to move, it stops and asks for your card. An agentic wallet is identity + scoped permissions + a rail. Miss one and you don’t have a product — you have a liability. saadsalman.org/blog/agentic...

MUFAP’s “API” returns 500s from anything that isn’t a browser. Their Fund Directory is just a public HTML table. So I scraped that and shipped a free MIT API + a daily dataset with NAV history back to 2022. saadsalman.org/blog/free-ap...

A card tap moves zero money. The beep is just authorization, a promise. Clearing runs that night and settlement lands days later. That gap is why refunds are slow, hotel holds linger and chargebacks exist. I built the journey as an interactive ride: saadsalman.org/case-studies/anatomy-of-a-tap