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USER SCENARIO - Coggle Diagram
USER SCENARIO
B2B SYSTEM
The B2B transactions will be between differrent business accounts and the reward system's perks and amont will be relatively high
A regular subscribed customer can credit the money to the shop via the app on all transactions and at the end of the month debit the entire monthly sum altogether from his /her bankvia UPI.
The Retailers will have an bussiness account as well and the regular customers can subscribe to the shop and register as a customer
The perk system will compell the businessmen to make a large propotion of their huge payments via our app. This feature is curently not present in any of the leading competitors in the market
An invoice can be generated by the user and the payment of that invoice can be done online or when the user receives the order via the app. Editing of the invoice can be done.
VOICE SYSTEM
Keywords like 'PAY','RECEIVE','LOAN' will directly help the user to reach the desired pages on app without using the touchscreen.This voice assistant will be prompted using special keys on our smartphones
The app will contain a chatbot that will assist the users in maintaining itinery and details about money spliting as well.The shopkeepers will be provided with an interface that will help them in creating an invoice with just verbal commands
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To keep the security intact in this system our VOICE SYSTEM would only help the user to reach the last part of transaction which will be authenticated only by using security pin or touch ID. It will decrease the taps on screen and will allow the user to simply make transaction by talking to our voice system
The voice system will be provided as an assistant so as to reduce transaction time and make it easier.
B2B BASED CREDIT
The user will have the option to via credit or to pay via debit. The credit will enhance the fluidity of the system.
If the user pays the credit within 90 days, then no interest will be charged from the user. This ensures the shopkeeper gets the payment on time .
the interest % on the credit will depend on the XP of the user . Thus the user will more Xp will have to pay ess fine.
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REWARD SYSTEM
The USP of the app will be the tenure and transaction based predeclared Reward System which will complell the users to use the app for a longer time and all the time .
PERSONAL TRANSACTIONS(Sample) 1)User using from 2 Year and making 1lakh monthly transactions for a year 2)User using from 1 year and making 1 lakh monthly transactions for a year . 3)User using from 1 Year and making50,000 monthy transactions per ann um 4)User using from 6 months making 50,000 monthy transactions per annum Similar slabs Will exist for Bussiness Transaction too but with hugher transaction amounts.
The Reward System will pose a big threat to the existing players in the field in which the user does not has any idea of as to how , when and how much will he be rewarded for using their app.