Fintech Customer Portal Development

Finance Company Customer Web Portal** Product Requirement Document

#### **Overview**
- The document outlines the development of a **customer web portal** for Finance Company, a subsidiary of DLM Capital Group.
- The goal is to improve **user experience** and **operational efficiency** while enabling future integration into a **super app**.

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### **Goals & Objectives**
1. **Enable User Self-Registration** – Users should be able to create accounts independently.
2. **Product Access & Transactions** – Users can explore, apply for, and manage investments and loans.
3. **Account Management** – Users can view details, track transactions, and initiate withdrawals.
4. **Scalable Infrastructure** – The portal should support future integration into a larger system.

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### **Core Features**

#### **1. User Self-Registration**
- Users register using:
- Full Name
- Email (with verification)
- Phone Number (with SMS verification)
- Password (must meet complexity rules)
- **Security Measures:**
- CAPTCHA for bot prevention
- GDPR compliance (privacy policy and user consent)

#### **2. Products Offered**
**Investment Products (Liabilities)**:
- Investment Note (Naira & Dollar)

**Loan Products (Assets)**:
- Asset Financing
- LPO Finance
- Invoice Discounting
- Additional financing options (Energy Loan, Personal Loan, Consumer Loan)

**Key Functionalities:**
- Display **product descriptions, terms, eligibility criteria, and interest rates**.
- Provide **filters** or **recommendations** for product matching.
- Enable **document uploads** for loan applications.
- Show **real-time status updates** (e.g., "In Review," "Approved," "Rejected").
- **Notification System** (Email & SMS).

#### **3. Account Funding & Management**
- Users can:
- View balances for **investments & loans**.
- Access **detailed transaction histories**.
- Initiate **withdrawal requests**.

**Withdrawal Process:**
- Requests are **processed manually** with:
- Confirmation messages.
- Estimated processing times.
- Status updates.

**Future Enhancements:**
- **Integration with digital wallets & payment gateways** for instant transactions.

#### **4. User Dashboard**
- Users can:
- **Track loan applications** (e.g., Submitted, Under Review, Approved, Disbursed).
- **Monitor investment performance** (e.g., maturity dates, returns).
- **View recent transactions & notifications**.
- **Receive personalized product recommendations**.

**UI/UX Considerations:**
- Clean, **intuitive design** with **graphs & charts**.
- **Mobile-responsive layout**.

#### **5. Backend Operations & Payouts**
- Secure backend for:
- Loan **processing & approvals**.
- **Withdrawal processing**.
- **Fund disbursement**.
- Real-time synchronization between **portal & backend**.
- **Notifications (Email & SMS)** for loan disbursement or withdrawal completion.

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### **Technical Requirements**
#### **1. Scalability**
- Modular architecture for **future super-app integration**.
- **APIs for mobile apps & third-party services** (e.g., credit bureaus, payment gateways).

#### **2. Security**
- **Data encryption (at rest & in transit)**.
- **Two-factor authentication (2FA)** for login.
- **Regular vulnerability assessments**.
- **Role-based access control** for backend operations.

#### **3. User Experience (UX)**
- **Responsive design** for all devices.
- **Minimalist, accessible design**.
- **Fast load times & smooth navigation**.

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### **Performance Metrics**
1. **User Adoption Rate** – Percentage of users registered in the first 6 months.
2. **Transaction Success Rate** – Percentage of successful withdrawals, loans, and investments.
3. **Customer Satisfaction** – User feedback scores.
4. **System Uptime** – Target **99.9% uptime** for reliability.

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### **Conclusion**
The Finance Customer Web Portal will:
- Enhance **customer engagement**.
- Streamline **investment & loan management**.
- Provide **scalability** for future **super-app integration**.

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