Set up subscription

Set autodebit date

• The plan is starting exactly after activating the account, only the charging is postponed.

• The customer can choose if he will be charged immediately or in one of the following 6 days by using “Pay Now” functionality

• If the customer chooses a date higher than the 28th of the month, it will be billed for that day in a given month, however, next month it will be changed to the 28th.

Free subscription

• Other squads can enable free subscription (e.g. onboarding as part of promotional campaign, backoffice when customers are unhappy with the service,…)

• Free subscription isn’t time-bases (e.g. 2 months), but it is cycle-based, therefore we will support triggering 1-X cycles being free.

Show Subscription details

Show subscription details

• As a customer, I would like to see details of my subscription:

  • What is the status of subscription - active/inactive

  • When is the next autodebit date

  • What is my currently selected plan

  • If a marketing campaign is applied (e.g. this month free), it is also visible there.

Show current usage of the subscription plan

• As a customer, I would like to see what is in my current subscription plan and how much I have already used.

• If the limit is higher than 0 and the customer is close to reaching the limit or has already reached it
  we should inform the customer he should consider switching to a higher plan (if available)

• Note:

  • We should focus on displaying on the usage of transactions - Transfers / Bill payments, ATM Withdrawal, Top-Op, Cash-in, Remittance

  • Availability of other functionalities (physical card, QR payment, personal loan, bnpl, overdraft) could be hidden

Notify about saved money thanks to the subscription plan

• We need to regularly send customers notifications on how the subscription plan is helping them to save money.

Edit subscription

Change subscription plan

• As a customer, I would like to change my current subscription plan.

• If it is an upgrade to a higher plan, the change is made immediately, money is charged immediately.

• If it is an upgrade to a lower plan, the change is applied from the next subscription cycle.

Charge subscription fee

(System) Charge Subscription fee

• Charge the customer subscription fee on the end of the autodebit day.

• Charged amount depends on selected subscription plan

• Amount is charged from the main account.

• If the customer doesn’t have enough money, he is informed about it (part another user story)

Pay Now

Notify user day before charging

• We should notify the user a day before charging the subscription fee through push notification.

Notify user about an unsuccessful charge

• As a customer, I expect I will get notification when the subscription fee couldn’t be charged from my main account due to insufficient balance.

(System) Block account for outstanding fees

• When outstanding fees are not paid for X (30-45 days) account is blocked

• The account is blocked = only incoming transactions are enabled

• sync with loans squad technically

Waive subscription fee

• As a customer, I can waive the subscription fee for the current cycle (cannot waive previous or future one).

• You can waive only paid fee for the current cycle.

• When customer waive the fee, then:

  • customer is automatically credit the money he has payed for latest subscription package

  • Request for Customer care is triggered - discuss with BackOffice, automated campaign

Evaluate operations

(System) Assess operation in regards to subscription plan

• Whenever any related transaction/operation is made, system must evaluate:

  • If the operation type is part of the subscription plans

    • If no, then ignore

    • If yes, then evaluate if the operation is still within package limit

      • if yes, increase internal count and do not charge fee

      • if not, the customer should get option to either:

        • switch to higher plan (if possible) - for all types of transaction, sync with transactions squad

        • charge operational fee (different user story)

Notify user when approaching limit

• As the customer, I expect I will be notified when I am reaching my limit in one of the operations included in my plan.

• You are approaching your limit - It should be displayed when limit- minus one

  • mention operation where he is approaching the limit

  • 5 types of transactions

(System) Charge operational fee

• When the operation is out of othe plan, charge money from the main account.

Subscription plan overview