
How Clover experiments when billions of dollars flow through daily
Summary How do you run an experimentation program when classic A/B testing is off the table? Ben Schein, Director of Product Management at Clover, joins host Ashley Stirrup to explain how a platform serving 300,000+ merchants and processing billions of dollars daily proves every feature through pilots and ground-level testing before rollout, why uncertainty and downside — not feature visibility — decide testing depth, and what his years leading product at Shake Shack taught him about turning a checkout funnel into a brand channel. This episode is for product managers, engineers, and data scientists building experimentation programs where the stakes are real. Chapters 00:00 Cold open and welcome 01:30 The Clover business model and its scale 03:45 Ben's role and the metrics that matter 07:45 Deciding what gets tested: uncertainty and downside 09:05 Why Clover can't test in production 12:45 Testing the Shake Shack checkout experience 19:35 Advice for PMs new to experimentation 23:45 Context over personalization 25:45 The future of experimentation and the human element Takeaways - At Clover's scale, testing happens before rollout: pilots and detailed go-to-market plans replace in-production A/B tests, because a merchant's work tool can never change overnight without warning. - Uncertainty and downside set the testing depth. High-risk changes like payment authorization flows earn deep, ground-level experimentation, while table stakes features like Apple Pay earn a monitored rollout. - Testing is the evidence that justifies rollout investment: if the data doesn't show a feature will succeed, the go-to-market dollars never get spent. - A checkout funnel can carry the brand. At Shake Shack, Ben's team tested prep-time expectations, fixed wrong-location orders, and used loading screens to deliver hospitality digitally. - Structure experiments for durable business value, not pass-fail verdicts: pair headline metrics with counter metrics and anchor on ground-level measurements like items per check that resist marketing noise. Connect with the Guest Ben Schein LinkedIn: https://www.linkedin.com/in/benschein/ About the guest: https://www.growthbook.io/podcast/guests/ben-schein Episode page: https://www.growthbook.io/podcast/episode/1-35 Company Website: https://www.clover.com Sponsor GrowthBook is the warehouse-native platform for experimentation, feature flags, and product analytics trusted by AI-native product teams at 3,000+ companies worldwide. Go to http://growthbook.io
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