Suger: Learned from a bank teller

Many product managers may not be able to understand the true meaning of these two concepts-user needs and product features, and yesterday noon to the CCB to do business, there is a teller mm gave me a good lesson, I would share the dialogue at that time.

I: I want to transfer money, I need to transfer this bank of the CCB to CMB (user demand, performance "pseudo function"-transfer, the user thinks of the solution)

MM: The transfer will require 1% of the handling fee, the highest has 50 yuan, if you want to use net silver then the highest is 25.

I: The problem is that I do not have net silver, forget, I just turn all the money out, only to operate this time, then the counter turn it. (This is where the two sides fall into the discussion of the solution)

MM: By the way, are you going to transfer the money to the bank account? (the Product manager actually realizes that you should dig deep into the user's purpose, which is the real problem to be solved.)

Me: Yes, to transfer money (as a small white user who does not understand the banking business, the difference between transfer and transfer)

MM: There is a CMB next door, I can give you a promissory note, the handling fee as long as 0.8 yuan (product manager to give the optimized solution)

Me: Promissory note? I've never heard of it.

MM: No difference for you, hehe, just the cost of handling fees 50 to 0.8, however, the additional cost is to run a trip next door of the Merchants Bank, anyway near.

I think for a moment, indeed, my real demand is to transfer money, and even take out all the cash, and then to the next door to deposit the way, of course, so although even 0.8 of the fees are not, but increased the risk.

Through this example, we see that a "user needs" can be used in a variety of "product features" to solve, each has advantages and disadvantages, the level of product managers here.