Epic:
SM-963
-
Overdraft Center overview
Done
Priority: as per Jira
Effort estimate: as per Jira
Review status: ready for review
Role: system
Objective: Display information about the history of the specific OD loan
Reason: customers have a transparent way to see the OD’s payment history
Functional requirements: pls see the technical documentation here Loans Technical documentation
UI requirements:
On the overdraft activity screen, the fee should be a separate item and not added to the outstanding loan. So for a $250 OD, the activities should look like this:
During grace period:
Planned repayment: $250 loan Aug 12th
Overdraft history: $150 loan taken at Jul 12th
Overdraft history: $100 loan taken at Jul 25th
Missing the first due date:
Planned repayment: $250 loan Sept 12th
Planned repayment: $3.5 late fee w/ ASAP deadline (if wasn’t already autodeducted from account).
Overdraft history: $3.5 late fee (if it was autodeducted from main account already) → date should be the actual date the fee was deducted
Overdraft history: missed $250 loan Aug 12th
Overdraft history: $150 loan taken at Jul 12th
Overdraft history: $100 loan taken at Jul 25th
Missing the second due date:
Planned repayment: $250 loan w/ ASAP deadline
Planned repayment: Cumulated daily IR items that were charged earlier (not successful)
Overdraft history: Cumulated daily IR items that were charged earlier (successful)
Overdraft history: $3.5 late fee (status depends if it was already deducted or not) → date should be the actual date the fee was deducted
Overdraft history: missed $250 loan, DDL ASAP
Overdraft history: $150 loan taken at Jul 12th
Overdraft history: $100 loan taken at Jul 25th
Process flow:
Customers can navigate to this screen from Overdraft Center.
Execution steps: pls see the technical documentation here Loans Technical documentation
Internal dependencies: What must be ensured internally to unblock this implementation
External dependencies: 3rd party prerequisites
Alternative scenarios: what would happen if not done (optional)
Acceptance criteria:
All past events (OD taken) and future payments (due date) as per above UI description chapter
The screen reflects the status of various payment items
Overdraft taken: original amount and date when OD was taken
Planned repayments: upcoming payment at the due date
Unsuccessful payments: due to lack of funds, e.g. fee or even the full OD or the accrued daily IR penalty
Links to wireframes/UI: https://www.figma.com/file/dkDQHRa1zq7tU58MiL6hBR/SaFi---UI---MVP-(Shared)?node-id=908%3A18853