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Roadmap Breakdown

Buy Now, Pay Later FinTech App


HandyPay Roadmap
0
Month
Feature
Description
Design
Month 1
Mobile Setup
Mobile layouts, menus, and navigation, as well as setting you up with Apple and Google developer accounts.
User Accounts & Onboarding
Login, Logout, Forgot Password, Register
Screen Shot 2021-09-08 at 2.18.43 PM.png
Email / SMS Verification & OTP Service

The ability to send emails via the system and verify user phone numbers and emails. By default we use Mandrill.

Customer needs to enter their mobile number. Mobile number will then be sent a text "Your Handypay activation code is XXXXXX" Customer then enters the vefication code for the mobile. Need to validate the code and require code validation message

Screen Shot 2021-09-08 at 2.17.35 PM.png
Passcode Functionality
Customer is then prompted to create a passcode for faster login, as well as having the option of using Face ID, as a fast way to log into the App. Selecting Face ID, will prompt the user to log in using Face ID next time. Selecting Passcode will prompt the user to use a passcode to log in next time
Screen Shot 2021-09-08 at 2.17.06 PM.png
Identification Onboarding
AU ID, Driver’s Licence, and Passport Use Google Search to search for address User can then select either a Driver Licence or a Passport as their form of ID verification Upon clicking Continue a request will be sent to our back-end to verify the customer ID. A soft credit check will be completed at this point.
Screen Shot 2021-09-08 at 2.19.16 PM.png
Face ID
Passcode replacement
Account Page
Basic Info Update
Month 2
Add Card
Applicant must connect either their credit card or connect their bank statements to make repayments. System checks positive balance on card or account, completes soft credit check and approves/declines
Screen Shot 2021-09-08 at 2.24.13 PM.png
Proviso Integrations
Integrate Bank Accounts
Screen Shot 2021-09-08 at 2.26.21 PM.png
Approved/Denied Account Screen
Customer will be either Approved with a limit or Declined on this page
Screen Shot 2021-09-08 at 2.27.10 PM.png
Apple Wallet or Google Pay Integration
Processing / Loader, as their account is set up Prompt to add the card to the Apple Wallet or Google Pay User is then redirected to setting up the Card on their phone
Screen Shot 2021-09-08 at 2.29.39 PM.png
Welcome Page + Set Card Pin
Land on complete / welcome page with 'Continue' button to go to Account page Customer receives text message saying "You can now use Apple Pay / Google Pay with Handypay!" After clicking 'Continue' the user is prompted to set a PIN for their Card
Screen Shot 2021-09-08 at 2.35.44 PM.png
Month 3
Home Page
Home page where the customer can see their available limit, how much they have spent. Where they can view their card. Increase the limit on their card.

Select to Buy Now, Pay Later.
View transaction summary
Click to make:
- In-Store purchases
- Increase limit of their card
- Undertake debt consolidation
- Take out a personal loan - view their complete Banking position
Screen Shot 2021-09-08 at 2.48.01 PM.png
Action Notification Badge
Need to have a "1" notification symbol appear next to
Increase Limit
Debt Consolidation
Get Funds
Car Loan when there is an action item (e.g. authorising your approved limit)
Screen Shot 2021-09-08 at 2.52.45 PM.png
Card View Layout
If you click the Card Details button the a virtual card should appear showing their card details. If you swipe the card it will flip so you can see the CVC number on the back
Screen Shot 2021-09-08 at 2.44.34 PM.png
In-Store Purchases
If you select "In-Store" then 3 options appear: - Pay with Card - Create barcode - Scan a QR code
Screen Shot 2021-09-08 at 2.50.36 PM.png
Pay with Card Flow
Pay with Card - the card appears prompting the customer to tap the phone on the terminal, once payment is made a congratulations message appears, with Latest Transactions appears. Vendor is charged a credit finance charge
Screen Shot 2021-09-08 at 2.50.24 PM.png
Month 4
Create Barcode Flow
Create barcode - the barcode appears prompting the vendor to scan the barcode to process the payment. Payment with barcode may incur a discount on the purchase amount
Screen Shot 2021-09-08 at 2.50.19 PM.png
QR Code Flow
QR code - the camera opens to capture an image of the QR code. This prompt an payment screen, that requests - Continue - to process the payment Vendor is charged a vendor fee
Screen Shot 2021-09-08 at 2.50.01 PM.png
Increase Limit
Customers can increase their credit card limit via the section. Quick application that feeds into backend Customer gets a quick response subject to basic eligibility criteria customers then sign the offer via the App and are also emailed the offer.
Screen Shot 2021-09-08 at 3.01.29 PM.png
Debt Consolidation
Customers can consolidate their existing debts into one lower rate and repayment amount via this section. Quick application that feeds into backend Customer gets a quick response subject to basic eligibility criteria customers then sign the offer via the App and are also emailed the offer
Screen Shot 2021-09-08 at 3.07.23 PM.png
Get Funds
Customers can get funds via this section Quick application that feeds into backend Customer gets a quick response subject to basic eligibility criteria customers then sign the offer via the App and are also emailed the offer
Screen Shot 2021-09-08 at 3.17.23 PM.png
Car Loan
Customers can obtain a car loan via this section Quick application that feeds into backend Customer gets a quick response subject to basic eligibility criteria customers then sign the offer via the App and are also emailed the offer
Screen Shot 2021-09-08 at 3.07.50 PM.png
Month 5
Dashboard
Screen Shot 2021-09-08 at 3.20.43 PM.png
Better Rate Flow
Screen Shot 2021-09-08 at 3.20.58 PM.png
Expenses
Screen Shot 2021-09-08 at 3.20.32 PM.png
Profile
Via Profile the User can change their contact details - this should not change the original contact details in the back-end but create a separate field when this is stored and displays it as changed in the front-end Payment History will show all the payments made to Handypay for Handypay related debt Transaction History relates to all puchases made on the Handypay Card
Screen Shot 2021-09-08 at 3.18.58 PM.png
Accounts
Screen Shot 2021-09-08 at 3.20.27 PM.png



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