Corporate hierarchy, as a Bank employee
Set up Corporate credit cards hierarchy
"to come"
Set up Corporate debit card hierarchy
"to come"
Token management, as a Customer
Enroll to wallet
Tokenisation API
"to come"
Dispute, as a Customer
Raise a dispute case for a transaction and add receipt as a proof
Transactions, as a customer
See a list of all transactions on different level of Corporate account/s
The issuer can provide the “amount due” model, the minimum amount and the % in case of partial payer
See the transaction details
See the operations for my next statement
Credit Account: as a customer, I want
Change the credit limit
Close the credit card
(case of additional card)
or
(if all cards of a contract must be closed)
Add a supplementary card to my card credit
Set up individual pricing for a specific customer
The issuer can provide the fee models for a specific customer (account fee model, card fee model, membership fee model, account setup fee model)
See the customers payment free months
Change the minimum payment amount
The issuer can provide the “amount due” model, the minimum amount and the % in case of partial payer
Instant issuing
As a customer, I want to issue card without plastic, to be used immediately
Product Features. As a Customer,
Change my embossing name
The change applies then for all next cards
The change applies only for the next card
Activate my card
Change my geo-blockings
Deliver card using express priority
The issuer can provide the sending mode if a physical card (card order) is requested. Default sending mode is retrieved from configuration.
Change the delivery method of my card
Initial card creation:
The issuer can override the delivery method for the first card. OR The issuer provides the distribution model reference for all next cards
For the next cards:
The issuer provides the distribution model reference for all next cards
The issuer can override the delivery type for the current card and the delivery address
My card delivered to a temporary address
The issuer can provide an address for the card replacement
Card renewal with the same card number (card not working)
The issuer provides the replacement reason corresponding a card not working
I want to turn internet usage on/off
Turn contactless on / Off
Choose a PIN for a new Card
Get PIN digitally
Change PIN delivery method
Initial card creation:
The issuer can override the delivery method for the first PIN. OR The issuer provides the distribution model reference for all next PINs
For the next cards:
The issuer provides the distribution model reference for all next cards
The issuer can override the delivery type for the current card and the delivery address
Block by card, as I have lost it
Unblock my card, as I reported it lost but now I have found it
I want to terminate my card
New validity period (card renewal with same card number)
The expiry date can be overridden if this is allowed in the configuration
Block all gambling/online gambling with my card
Change all addresses for my family
Transfer funds from my Credit card account to Bank Account
Back Office team/Card Boarding Department
Order debit card
The issuer should provide the corresponding debit product reference
Issue card without plastic, to be used immediately
The issuer should provide the corresponding product reference
Add new cards to existing accounts
Use Case Mapping
As a Customer, I want to
As a Customer, I want to
As a Customer, I want to
As a Customer, I want to
As a Customer, I want to
As a Customer, I want to
As a Customer, I want to
As a Bank employee, I want to
Buy Now Pay Later
Buy Now Pay Later
Buy now, pay later is a payment method that allows consumers to buy a product immediately and pay later. This payment method is gaining popularity around the world, especially among younger consumers.
Buy Now Pay Later works like this: Consumers make purchases online or in-store, then select the Buy Now Pay Later payment method. The consumer can then select a later payment date that is convenient to him. Depending on the terms of the contract, fees or interest may apply to this payment method.
Buy now, pay later offers consumers several benefits, including the ability to defer payments to a later date, which can help during temporary financial hardship. Additionally, consumers can better manage their budgets by spreading payments over multiple months.
Pay later usage are rising
Global sales using Buy Now Pay Later reach €93B in 2020
Will exceed €181B in 2022, and would reach 10X this volume in 2025
75% of Buy Now Pay Later users are aged 18-36
How does it work ?
Instalment via push notification
In the moment of card purchase, the banking app receives a push notification
User can tap on it, see the details and select an instalment plan
Split of transactions confirmed in banking app