User Experience Metrics That Matter: Reducing Check Deposit Abandonment Rates

const abandonmentImpact = {
  // Example: Regional bank with 50K monthly users
  monthlyUsers: 50000,
  attemptRate: 0.30, // 30% try mobile deposit monthly
  
  scenarios: {
    poor_ux: {
      abandonmentRate: 0.45,
      completedDeposits: 8250, // 50K * 0.30 * 0.55
      avgDepositValue: 350,
      lostDeposits: 6750,
      lostValue: 2362500, // $2.36M monthly
      annualLostValue: 28350000 // $28.35M annually
    },
    
    optimized_ux: {
      abandonmentRate: 0.15,
      completedDeposits: 12750,
      avgDepositValue: 350,
      lostDeposits: 2250,
      lostValue: 787500,
      annualLostValue: 9450000,
      improvement: 18900000 // $18.9M annual improvement
    }
  }
};

class UserFlowAnalytics {
  
  trackUserJourney() {
    return {
      // Entry points
      entryFromDashboard: 0.45,
      entryFromMenu: 0.35,
      entryFromNotification: 0.20,
      
      // Flow progression
      flowSteps: [
        { step: 'landing_screen', completion: 0.92 },
        { step: 'camera_permission', completion: 0.88 },
        { step: 'camera_tutorial', completion: 0.85 },
        { step: 'check_positioning', completion: 0.72 },
        { step: 'image_capture', completion: 0.68 },
        { step: 'image_review', completion: 0.65 },
        { step: 'data_confirmation', completion: 0.62 },
        { step: 'final_submission', completion: 0.60 }
      ],
      
      // Drop-off analysis
      majorDropOffPoints: [
        { step: 'check_positioning', dropOff: 0.13, reason: 'guidance_unclear' },
        { step: 'image_capture', dropOff: 0.04, reason: 'quality_issues' },
        { step: 'image_review', dropOff: 0.03, reason: 'blurry_image' }
      ]
    };
  }
  
  identifyFrictionPoints() {
    const heatmapData = this.getUserInteractionHeatmap();
    const timeOnScreen = this.getScreenTimeAnalysis();
    const errorPatterns = this.getErrorFrequency();
    
    return this.analyzeFrictionFactors({
      heatmapData,
      timeOnScreen,
      errorPatterns
    });
  }
}

class LiveUXMonitor {
  
  constructor() {
    this.metrics = new Map();
    this.alertThresholds = {
      abandonmentRate: 0.30,        // Alert if > 30%
      avgCompletionTime: 180,       // Alert if > 3 minutes
      errorRate: 0.15,              // Alert if > 15%
      crashRate: 0.02               // Alert if > 2%
    };
  }
  
  trackRealTimeMetrics() {
    setInterval(() => {
      const currentMetrics = this.calculateCurrentMetrics();
      this.updateDashboard(currentMetrics);
      this.checkAlertConditions(currentMetrics);
    }, 30000); // Update every 30 seconds
  }
  
  calculateCurrentMetrics() {
    const last15Minutes = this.getRecentEvents(15);
    
    return {
      activeUsers: this.countActiveUsers(),
      attemptsInProgress: this.countInProgressAttempts(),
      completionsLast15Min: this.countCompletions(last15Minutes),
      abandonmentsLast15Min: this.countAbandonments(last15Minutes),
      avgTimeToComplete: this.calculateAvgTime(last15Minutes),
      currentErrorRate: this.calculateErrorRate(last15Minutes),
      
      // Predictive metrics
      predictedHourlyVolume: this.predictVolume(),
      estimatedCompletionRate: this.estimateCompletion()
    };
  }
  
  checkAlertConditions(metrics) {
    if (metrics.currentErrorRate > this.alertThresholds.errorRate) {
      this.sendAlert('HIGH_ERROR_RATE', {
        current: metrics.currentErrorRate,
        threshold: this.alertThresholds.errorRate,
        impact: 'User experience degraded'
      });
    }
    
    if (metrics.avgTimeToComplete > this.alertThresholds.avgCompletionTime) {
      this.sendAlert('SLOW_COMPLETION', {
        current: metrics.avgTimeToComplete,
        threshold: this.alertThresholds.avgCompletionTime,
        impact: 'Increased abandonment risk'
      });
    }
  }
}

class UserFeedbackCollector {
  
  collectContextualFeedback(event) {
    const feedbackTriggers = {
      // After successful completion
      'deposit_completed': {
        timing: 'immediate',
        questions: [
          'How easy was it to capture your check?',
          'Did the guidance help you?',
          'Would you use this feature again?'
        ],
        format: 'quick_rating'
      },
      
      // After abandonment (exit intent)
      'abandonment_detected': {
        timing: 'on_exit',
        questions: [
          'What prevented you from completing your deposit?',
          'What could we improve?'
        ],
        format: 'optional_survey',
        incentive: 'entry_into_drawing'
      },
      
      // After error recovery
      'error_recovered': {
        timing: 'after_success',
        questions: [
          'Were the error messages helpful?',
          'How can we make this easier?'
        ],
        format: 'quick_feedback'
      }
    };
    
    return feedbackTriggers[event.type];
  }
  
  analyzeQualitativeFeedback(responses) {
    const themes = this.extractThemes(responses);
    const sentiment = this.analyzeSentiment(responses);
    const priorities = this.prioritizeIssues(themes, sentiment);
    
    return {
      topIssues: priorities.slice(0, 5),
      overallSentiment: sentiment.overall,
      improvementOpportunities: this.generateRecommendations(priorities),
      userQuotes: this.selectRepresentativeQuotes(responses)
    };
  }
}

class ProgressiveUXEnhancement {
  
  implementAdaptiveGuidance() {
    return {
      // Beginner users (first 1-3 uses)
      beginner: {
        guidance: 'comprehensive',
        tutorial: 'detailed_walkthrough',
        feedback: 'verbose_instructions',
        safety_net: 'multiple_retry_options'
      },
      
      // Intermediate users (4-10 uses)
      intermediate: {
        guidance: 'contextual_hints',
        tutorial: 'quick_reminders',
        feedback: 'concise_instructions',
        safety_net: 'smart_retry_suggestions'
      },
      
      // Expert users (10+ successful uses)
      expert: {
        guidance: 'minimal_overlay',
        tutorial: 'skip_option',
        feedback: 'status_only',
        safety_net: 'advanced_options'
      }
    };
  }
  
  personalizeExperience(userProfile) {
    const adaptations = {
      // Age-based adaptations
      accessibility: this.getAccessibilitySettings(userProfile.age),
      
      // Device-based optimizations
      deviceOptimizations: this.getDeviceOptimizations(userProfile.device),
      
      // Usage pattern adaptations
      workflowOptimizations: this.getWorkflowOptimizations(userProfile.usage),
      
      // Preference-based customizations
      interfacePreferences: this.getInterfacePreferences(userProfile.preferences)
    };
    
    return this.applyAdaptations(adaptations);
  }
}

function calculateUXImprovementROI(baseline, improved, userVolume) {
  const metrics = {
    // Completion improvement impact
    additionalCompletions: (improved.completionRate - baseline.completionRate) * userVolume,
    avgDepositValue: 275,
    
    // Support cost reduction
    supportTicketReduction: (baseline.supportTicketRate - improved.supportTicketRate) * userVolume,
    avgSupportCost: 25,
    
    // Development/optimization costs
    improvementInvestment: 150000, // One-time
    ongoingMaintenance: 20000 // Annual
  };
  
  const annualBenefits = {
    additionalDeposits: metrics.additionalCompletions * metrics.avgDepositValue * 12,
    supportSavings: metrics.supportTicketReduction * metrics.avgSupportCost * 12,
    brandValue: 50000 // Estimated annual brand value from improved experience
  };
  
  const totalAnnualBenefit = Object.values(annualBenefits).reduce((a, b) => a + b, 0);
  const roi = (totalAnnualBenefit - metrics.ongoingMaintenance) / metrics.improvementInvestment;
  
  return {
    annualBenefits,
    totalAnnualBenefit,
    roi: `${(roi * 100).toFixed(1)}%`,
    paybackPeriod: `${(metrics.improvementInvestment / (totalAnnualBenefit / 12)).toFixed(1)} months`
  };
}