# Phase 15 Execution Checklist (Lending, Investments, and VAS Completion) Reference artifacts: - docs/business-requirement-gap-analysis.md - docs/gap-closure-implementation-plan.md - docs/phase-15-sprint-task-breakdown.md - docs/phase-14-execution-checklist.md - docs/phase-14-sprint-task-breakdown.md - docs/wallet-implementation-plan-apps-mode.md - docs/phase-tracker.md - docs/domain-map.md - docs/adr/0005-api-error-and-idempotency-response-contract.md - docs/adr/0006-security-and-key-management-baseline.md - docs/adr/0007-observability-and-audit-traceability-standard.md - docs/adr/0011-compliance-and-data-governance-controls.md ## 1. Phase Objective Complete final product-parity capabilities by delivering lending products, investment integrations, value-added services, and growth maturity features to close all remaining business requirement gaps. Phase status target: - Start: not-started - End: done when all Phase 15 tracks are implemented, validated, and approved for controlled production rollout. Current phase status: not-started (2026-03-26) - planned in gap-closure roadmap; implementation not started. ## 2. Scope In scope: - Lending engine baseline: origination, approval, disbursement, repayment tracking. - Salary advance and BNPL product workflows. - Risk/compliance decision hooks for lending journeys. - Investment provider integrations for core buy/sell/order lifecycle visibility. - Holdings and transaction history views for investment products. - VAS capabilities: goal-based savings, micro-saving, expense categorization, budgeting. - Personal finance insights and analytics baselines. - Micro-insurance premium collection and policy-link workflows. - IoT linking hooks and SME wallet/sub-wallet capability baseline. - Rewards and growth maturity: referral tracking, targeting/segmentation campaigns, rule-driven earn engine. - Security, policy, observability, governance, and runbook coverage for all new domains. Out of scope: - Major net-new channel architecture changes outside approved domain boundaries. - Re-architecture of previously stabilized core ledger and transfer foundations. ## 3. Work Breakdown ## Track A: Lending Engine (Origination, Salary Advance, BNPL) 1. Implement lending domain model and lifecycle states. - Owner: Lending Team + Finance Team - Output: loan states for application, review, approved, disbursed, active, delinquent, closed. - Status: pending - Evidence: lifecycle matrix and command tests. 2. Implement origination and approval workflows. - Owner: Lending Team + Compliance Team - Output: application intake, eligibility checks, decisioning handoff, approval/rejection actions. - Status: pending - Evidence: workflow tests and decision trace report. 3. Implement disbursement and repayment schedule management. - Owner: Lending Team + Ledger Team - Output: controlled disbursement posting and repayment schedule tracking. - Status: pending - Evidence: posting integrity and schedule validation report. 4. Implement salary advance and BNPL product flows. - Owner: Lending Team + Product Team - Output: product-specific eligibility, limits, and repayment logic. - Status: pending - Evidence: product scenario test report. ## Track B: Investment Integrations 1. Implement investment provider adapter contracts. - Owner: Integrations Team + Investment Team - Output: standardized adapter contract for order initiation/status/settlement updates. - Status: pending - Evidence: contract tests and provider mapping notes. 2. Implement order lifecycle orchestration. - Owner: Investment Team + Integrations Team - Output: buy/sell order states with failure and retry handling. - Status: pending - Evidence: lifecycle tests and exception handling report. 3. Implement holdings and investment history views. - Owner: Wallet Web Team + Investment Team - Output: customer holdings summary and transaction timeline. - Status: pending - Evidence: UI tests and data consistency report. 4. Implement investment compliance and risk hooks. - Owner: Compliance Team + Risk Team - Output: suitability, limit checks, and traceable decisions. - Status: pending - Evidence: compliance/risk validation report. ## Track C: VAS and Personal Finance Tools 1. Implement goal-based saving and micro-saving features. - Owner: VAS Team + Product Team - Output: savings goals lifecycle and round-up or periodic micro-saving rules. - Status: pending - Evidence: feature tests and balance integrity report. 2. Implement expense categorization and budgeting baseline. - Owner: VAS Team + Analytics Team - Output: category assignment model and budget threshold tracking. - Status: pending - Evidence: categorization/budget tests. 3. Implement personal finance insights and analytics. - Owner: Analytics Team + VAS Team - Output: spending insights, trend summaries, and user guidance signals. - Status: pending - Evidence: analytics validation report. 4. Implement micro-insurance premium collection hooks. - Owner: VAS Team + Integrations Team - Output: premium collection initiation and status tracking flows. - Status: pending - Evidence: integration and lifecycle test report. ## Track D: SME Wallet and IoT Hooks 1. Implement SME wallet/sub-wallet domain model. - Owner: Accounts Team + VAS Team - Output: parent/sub-wallet hierarchy with ownership and limit controls. - Status: pending - Evidence: schema/lifecycle tests. 2. Implement SME expense wallet operations. - Owner: Wallet Web Team + Accounts Team - Output: create/manage sub-wallets and controlled spending capabilities. - Status: pending - Evidence: operations workflow tests. 3. Implement IoT linking hooks and device lifecycle baseline. - Owner: Integrations Team + Security Team - Output: device registration and linkage hooks with policy guardrails. - Status: pending - Evidence: device-linking tests and security report. 4. Implement SME audit and reporting views. - Owner: Reporting Team + Wallet Web Team - Output: SME usage and expense reporting with export support. - Status: pending - Evidence: report tests and export validation. ## Track E: Rewards and Growth Maturity 1. Implement referral tracking and rewards attribution. - Owner: Rewards Team + Product Team - Output: referral lifecycle and points attribution rules. - Status: pending - Evidence: referral attribution test report. 2. Implement campaign segmentation and targeting rules. - Owner: Rewards Team + Analytics Team - Output: audience segmentation and campaign activation controls. - Status: pending - Evidence: targeting rule validation report. 3. Implement rule-driven loyalty earn engine. - Owner: Rewards Team + Limits/Fees Team - Output: configurable earning rules tied to transaction attributes. - Status: pending - Evidence: earn-rule correctness tests. 4. Validate rewards campaign observability and audit. - Owner: Observability Team + Rewards Team - Output: traceability for campaign actions and reward balance impacts. - Status: pending - Evidence: audit and telemetry report. ## Track F: Security, Compliance, Operations, and Closure 1. Validate security and policy controls for all new domains. - Owner: Security Team - Output: ABAC/MFA coverage for high-risk lending, investment, and admin actions. - Status: pending - Evidence: security conformance report. 2. Validate data governance and regulatory controls. - Owner: Compliance Team + Database Team - Output: PII tagging, retention, consent, and access controls across new entities. - Status: pending - Evidence: governance checklist and approvals. 3. Validate audit and observability end-to-end continuity. - Owner: Observability Team - Output: correlation and timeline continuity across lending/investment/VAS journeys. - Status: pending - Evidence: traceability matrix and sampled traces. 4. Produce runbooks, tabletop evidence, and final program sign-off package. - Owner: Operations Team + Program Management - Output: operational readiness artifacts and consolidated closure package for all remaining gaps. - Status: pending - Evidence: runbook package, tabletop report, and signed closure summary. ## 4. Deliverables 1. Lending engine (origination, salary advance, BNPL) with controlled disbursement and repayment tracking. pending 2. Investment adapter integrations with order and holdings visibility. pending 3. VAS capabilities (savings, budgeting, categorization, insights, micro-insurance hooks). pending 4. SME wallet/sub-wallet and IoT-linking baseline capabilities. pending 5. Rewards growth maturity (referral, campaign targeting, rule-driven earn engine). pending 6. Final security/compliance/operations closure package for full business-parity completion. pending ## 5. Entry and Exit Criteria Entry criteria: - Phase 14 deliverables stable and integrated. pending - Product and compliance priorities for lending/investment/VAS approved. pending - Partner/provider test channels available for investment and insurance-linked integrations. pending Exit criteria: 1. Lending, investment, and VAS tracks validated end-to-end. pending 2. SME and IoT baseline capabilities are operationally proven. pending 3. Rewards and growth maturity controls are live with auditability. pending 4. Security, compliance, and data governance controls are approved. pending 5. All remaining business requirement gaps are closed with final sign-off. pending ## 6. Risks and Mitigations 1. Risk: Lending decision and repayment complexity introduces financial exposure. - Mitigation: strict policy constraints, staged rollout, and invariant-based tests. - Status: open 2. Risk: Investment provider inconsistencies impact order reliability. - Mitigation: contract-first adapters, robust retries, and exception reconciliation workflows. - Status: open 3. Risk: VAS analytics quality issues reduce customer trust. - Mitigation: deterministic categorization rules, quality scoring, and transparent insight controls. - Status: open 4. Risk: SME sub-wallet permissions can create misuse risk. - Mitigation: fine-grained role controls, limits, and full audit trails. - Status: open 5. Risk: Large Phase 15 scope may impact timeline predictability. - Mitigation: strict critical-path gating, phased feature flags, and weekly governance checkpoints. - Status: open ## 7. Suggested Sprint Plan (3 Sprints) Sprint A: - Lending and investment domain/adapters baseline. - Savings/micro-saving and referral baseline. - SME sub-wallet schema and policy setup. Sprint B: - Lending disbursement/repayment and BNPL/salary advance workflows. - Investment order lifecycle and holdings views. - Budgeting, categorization, campaign targeting, and IoT hooks. Sprint C: - Cross-domain E2E closure, hardening, and observability. - Runbooks, tabletop evidence, and final program sign-off package. ## 8. Evidence Checklist - [ ] Lending lifecycle, decisioning, and repayment integrity report. - [ ] Salary advance and BNPL product scenario validation report. - [ ] Investment adapter contract and order lifecycle report. - [ ] Holdings and investment history data consistency report. - [ ] Goal-savings/micro-savings feature validation report. - [ ] Budgeting/categorization and analytics quality report. - [ ] Micro-insurance premium flow integration report. - [ ] SME sub-wallet and permission-control validation report. - [ ] IoT linking security and lifecycle report. - [ ] Referral, campaign targeting, and earn-engine rule report. - [ ] Security/compliance/data-governance conformance report. - [ ] Audit/telemetry traceability and operational readiness evidence. - [ ] Phase 15 sign-off note with owner approvals. ## 9. Deferred Backlog (Explicit TODO) 1. Long-horizon advanced AI finance advisory features may remain post-program if governance defers. 2. Additional niche investment instruments can be scheduled as post-parity expansion.