# Phase 9B Execution Checklist (Customer Portal MVP)

Reference artifacts:
- docs/wallet-implementation-plan-apps-mode.md
- docs/phase-tracker.md
- docs/domain-map.md
- docs/phase-9A-execution-checklist.md
- docs/adr/0005-api-error-and-idempotency-response-contract.md
- docs/adr/0006-security-and-key-management-baseline.md
- docs/adr/0011-compliance-and-data-governance-controls.md

## 1. Phase Objective
Deliver the customer-facing web portal MVP for individual and non-individual wallet users, including account visibility, payments journeys, onboarding/KYC UX, and statement history/export foundations.

Phase status target:
- Start: not-started
- End: done when all Phase 9B customer MVP journeys are implemented, verified, and ready for controlled rollout.

Current phase status: not-started (2026-03-25) - planning draft prepared; implementation not started.

## 2. Scope
In scope:
- Customer dashboard variants for Individual and Non-Individual users.
- Balance inquiry home view with real-time multi-currency wallet display.
- Transaction history with configurable filtering and detail drill-down.
- E-statement initiation flow for PDF/CSV exports.
- Fund transfer UX (P2P, P2G, P2M, M2M, G2G) with beneficiary lookup and confirmation.
- Bill payment and recharge UX with biller selection, amount, and confirmation.
- Remittance and beneficiary management (add/edit/delete) for web portal UX.
- Digital onboarding and tiered KYC UX with document upload flow.
- Security UX baseline for session timeout/re-auth prompts in customer journeys.

Out of scope:
- Back-office/admin console workflows (covered in Phase 9C).
- Card management, rewards, loans, and insurance (covered in Phases 10A/10B).
- Multi-tenant runtime branding activation and tenant-specific text execution.
- Native mobile apps and app-store distribution requirements.

## 3. Work Breakdown

## Track A: Dashboard and Account/Wallet Display
1. Define dashboard IA for Individual and Non-Individual user types.
- Owner: Platform UI Team + Product Team
- Output: approved IA and page contracts for both user types.
- Status: pending
- Evidence: dashboard wireframes and user-type mapping matrix.

2. Implement balance inquiry and wallet summary views.
- Owner: Wallet Web Team
- Output: home screen wallet balance cards with multi-currency support.
- Status: pending
- Evidence: integration test coverage for balance visibility and currency presentation.

3. Implement transaction history with advanced filters.
- Owner: Wallet Web Team
- Output: history list with filters for date range, amount, status, service, MMID/device criteria.
- Status: pending
- Evidence: query/filter validation tests and pagination behavior checklist.

4. Implement transaction detail and status drill-down.
- Owner: Wallet Web Team
- Output: detail pages with lifecycle and reference visibility.
- Status: pending
- Evidence: transfer status drill-down acceptance scenarios.

## Track B: Payments and Beneficiary Journeys
1. Implement transfer initiation journeys for required transfer types.
- Owner: Financial Domain Team + Wallet Web Team
- Output: transfer flows covering P2P, P2G, P2M, M2M, and G2G.
- Status: pending
- Evidence: end-to-end journey tests for each transfer type.

2. Implement beneficiary lookup and management flows.
- Owner: Wallet Web Team
- Output: add/edit/delete/search beneficiary UX with validation.
- Status: pending
- Evidence: beneficiary lifecycle tests and form validation report.

3. Implement bill payment and recharge flows.
- Owner: Wallet Web Team
- Output: biller selection, account reference input, amount entry, and confirmation screens.
- Status: pending
- Evidence: bill/recharge user acceptance test scenarios.

4. Implement remittance flow UX with currency-aware inputs.
- Owner: Wallet Web Team + Integrations Team
- Output: remittance forms with currency/fee/confirmation rendering.
- Status: pending
- Evidence: remittance path tests with multi-currency cases.

## Track C: Onboarding, KYC, and Security UX
1. Implement step-based onboarding UX with progress indicators.
- Owner: Onboarding Team + Wallet Web Team
- Output: stepper journey with recoverable validation errors.
- Status: pending
- Evidence: onboarding completion funnel test scenarios.

2. Implement KYC document upload experience.
- Owner: Compliance Team + Wallet Web Team
- Output: file upload flow, validation/error handling, and submission confirmation.
- Status: pending
- Evidence: KYC upload success/failure/retry tests.

3. Implement tiered KYC presentation.
- Owner: Compliance Team + Wallet Web Team
- Output: differentiated Tier 1/Tier 2/Full KYC UI branches.
- Status: pending
- Evidence: tier-rule rendering tests and decision matrix coverage.

4. Implement session timeout and graceful re-auth prompts.
- Owner: Security Team + Wallet Web Team
- Output: idle timeout handling and resume/re-login UX.
- Status: pending
- Evidence: timeout and re-auth flow integration tests.

## Track D: Export, Quality, and Readiness
1. Implement e-statement initiation UX and export status handling.
- Owner: Wallet Web Team + Platform Team
- Output: PDF/CSV export request flow and user feedback states.
- Status: pending
- Evidence: export initiation and download verification cases.

2. Validate responsive behavior across customer critical paths.
- Owner: QA + UX Team
- Output: viewport acceptance for desktop/tablet/mobile browsers.
- Status: pending
- Evidence: responsive matrix test run and defect log.

3. Validate accessibility baseline on customer critical pages.
- Owner: QA + UX Team
- Output: keyboard, focus order, semantic labels, and contrast checks.
- Status: pending
- Evidence: accessibility baseline report for dashboard, transfers, onboarding.

4. Verify audit and telemetry traces for customer-sensitive actions.
- Owner: Observability Team + Wallet Web Team
- Output: traceability from UI actions to domain command outcomes.
- Status: pending
- Evidence: audit/telemetry correlation checklist and sample traces.

## 4. Deliverables
1. Customer dashboard flows for Individual and Non-Individual user types. pending
2. Account/wallet display and transaction history with advanced filters. pending
3. Payments UX for transfers, bill payment/recharge, remittance, and beneficiaries. pending
4. Onboarding and tiered KYC UX with document upload support. pending
5. E-statement initiation UX for PDF/CSV flows. pending
6. Customer-path responsive, accessibility, and observability baseline evidence. pending

## 5. Entry and Exit Criteria
Entry criteria:
- Phase 9A foundation and policy baseline approved. MET (dependency planning gate)
- wallet_auth token verification and MFA controls available. MET
- wallet_accounts, wallet_transfers, wallet_limits_fees, wallet_compliance query/command interfaces available. MET

Exit criteria:
1. Customer MVP journeys complete and functionally verified for selected RFP items. pending
2. Transaction history and statement export UX validated with audit-friendly outcomes. pending
3. Onboarding/KYC flow and tiered presentation validated with compliance stakeholders. pending
4. Session timeout/re-auth UX validated for user continuity and security. pending
5. Phase 9C and 10A/10B dependencies are unblocked from customer side. pending

## 6. Risks and Mitigations
1. Risk: Cross-domain dependencies introduce partial customer journeys.
- Mitigation: dependency matrix with mock/stub fallback and phased feature toggles.
- Status: open

2. Risk: Filter-heavy transaction pages degrade usability/performance.
- Mitigation: standard pagination, server-side filtering contracts, and query guardrails.
- Status: open

3. Risk: KYC upload failures create abandonment during onboarding.
- Mitigation: strict file validation feedback, resumable steps, and clear retry UX.
- Status: open

4. Risk: Multi-currency rendering inconsistencies impact trust.
- Mitigation: shared currency formatting utilities and snapshot tests.
- Status: open

5. Risk: Statement export jobs create delayed user feedback.
- Mitigation: explicit export status states and asynchronous notification hooks.
- Status: open

## 7. Suggested Sprint Plan (3 Sprints)
Sprint A:
- Dashboard IA and account/balance foundations.
- Transaction history list and filter baseline.
- Beneficiary management core flows.

Sprint B:
- Transfer journeys and confirmation UX.
- Bill payment/recharge and remittance flows.
- Onboarding and KYC upload baseline.

Sprint C:
- E-statement export UX completion.
- Session timeout/re-auth UX.
- Responsive/accessibility/observability validation and sign-off package.

## 8. Evidence Checklist
- [ ] Individual and Non-Individual dashboard IA and acceptance notes.
- [ ] Balance inquiry and transaction history integration test reports.
- [ ] Transfer, bill/recharge, remittance, and beneficiary E2E scenario results.
- [ ] Onboarding and tiered KYC UX validation results.
- [ ] E-statement export initiation and completion validation.
- [ ] Customer path accessibility and responsive baseline report.
- [ ] Audit/telemetry traceability report for customer-sensitive actions.
- [ ] Phase 9B sign-off note with owner approvals.

## 9. Deferred Backlog (Explicit TODO)
1. Multi-tenant customer branding execution (logo/theme/text overrides) remains deferred.
2. Native iOS and Android implementation remains deferred.
3. Full Arabic RTL rollout remains deferred unless promoted by governance before release.