Requirements
This document contains the business requirements with some technical hints
Monak app intends to be an all-in-one super app to cater to local as well as job migrants who come to the GCC region. To achieve this it has 3 sub parts/modules as below:
- Fintech
- Bill and Utility Plus
- Travel
Services
Through its Fintech module it wants to cater to the needs of job migrants that come from Asia and Africa by providing them with bank accounts in their home countries as well in GCC country, a debit/prepaid card (virtual and physical), remittance service to their home country, These will be achieved through various partners in these different countries with API integration. With Bill and Utility Plus module customers can do bills and utility payments in home and GCC country, get and update insurances, avail micro-finances.
Travel module is for booking flight tickets and taxis via loading mobile web version of third party partners/vendors like eg: m.careem.com, m.uber.com, m.makemytrip.com etc.
Monak already has built a Services module wherein it provides e-commerce facilities to local users like Grocery, Food, Pharmacy, Home Services like Cleaning, Appliances Repair. Although this part we will integrate in future phase. The reason for this module is ready as it started out as an ecommerce platform
Having said that all this has to happen through one app irrespective of geography, since having multiple apps for different geographic regions is a real pain point for the customer to switch between apps and can result in a greater churn.
Fintech
Let’s dive deeper into the Fintech module, its sub modules and how we will use and realize its features and functionalities. Fintech module will have below sub-modules:
Bill and Utility Plus
Customers can pay various types of bills like electricity, water, school fees in their work country as well as home country. Since insurance is also a type of biller we are considering such services in Plus part of this Bill and Utility Plus module
B2B Integrations
The B2B integrations we will do in next roll out with APIs for User Menu and B2B integrations covering Employer Information, Welcome Kit, My KYC etc in this app building phase
Payment
One of the modules we left intentionally above is Payments. How will customers transact on the platform?. For eg: How will they pay for an insurance order, a home cleaning order, book a ticket on travel module.
It's always advisable that payment service or module be made independent of all modules with reference no. of orders as one of the columns and transaction no. it returns to all these services along with status upon inquiry.
Ideally payment should be deducted from the customer’s account/wallet and debit/credit cards but we need to integrate a payment gateway for extra methods. Currently we are using Thawani payment Gateway for Oman.
Language
App needs to support multiple languages and should be multilingual in nature along with appropriate directions like LTR and RTL. Ideally a hosted json file should be fetched in the app along with version no. stored locally in the app. This will help us make changes to app strings without shipping an app update. Only version update would be sufficient to pull the json file at the start of the app in background asynchronously.
This is not limited to just the app strings but also user based preferences. Based upon the nationality of the user, we need to set the language of the user which the user can certainly change anytime. We will connect to the right support executive speaking/writing that language whenever a support ticket/chat/call is made. Also notifications sent to the user will be in that language.
The point is language should be a holistic experience for the user at every touch point.