As a new user, I want to create an account in under 2 minutes so that I can start using OREL Tap immediately.
Context
Market Problem: Traditional digital wallets in Sri Lanka require 2-3 days for bank verification and complex KYC processes, creating massive friction for new users. 68% of users abandon signup if it takes longer than 3 minutes.
Competitive Advantage: OREL Tap's 90-second signup (phone + OTP + PIN) is 95% faster than competitors, dramatically improving conversion rates from download to active user.
Regulatory Compliance: Central Bank of Sri Lanka allows up to LKR 50,000 balance without full KYC, enabling instant onboarding while staying compliant.
Real-world Example: Sriya downloads OREL Tap at 2:30 PM. By 2:31:30 PM, she's entered her phone (077-xxx-xxxx), verified OTP (45289), set a PIN (****), and has LKR 100 welcome bonus in her wallet. She makes her first vending purchase at 2:32 PM - total time from download to transaction: 2 minutes.
Acceptance Criteria:
- User enters mobile number (10 digits, validated in real-time)
- OTP sent via SMS within 10 seconds (Dialog Ideamate API)
- OTP expires after 3 minutes, with option to resend after 30 seconds
- PIN creation requires 4 digits, cannot be sequential (1234) or repeated (1111)
- Account created and LKR 100 welcome bonus credited automatically
- Total signup flow completed in under 90 seconds for 80% of users
- Biometric login (fingerprint/face) offered as option after PIN setup
Effort
8 Story Points
Business Value
Critical
Dependencies
Dialog API, Payment Gateway
As a regular user, I want to top up my wallet instantly so that I can maintain sufficient balance for transactions.
Context
User Behavior: 45% of users run out of balance at point of purchase, causing transaction abandonment. Average top-up value is LKR 500-1,500.
Competitive Analysis: Competitors require 5-10 minutes for bank transfers. OREL Tap's instant card top-up is a key differentiator.
Real-world Example: Sriya is at a vending machine with LKR 50 balance. She selects LKR 500 product. App prompts "Insufficient balance - Top up now?" She taps "Add LKR 1,000", enters card CVV (already saved), confirms. Money added in 4 seconds. Transaction completes.
Acceptance Criteria:
- Top-up options: LKR 500, 1000, 2000, 5000, or custom amount
- Payment methods: Credit/Debit card (Visa, Mastercard), Online banking, Bank transfer
- Card details securely stored (PCI DSS compliant) after first use
- Top-up confirmed and balance updated within 5 seconds for card payments
- Auto top-up option: when balance falls below LKR 200, automatically add LKR 1,000
- Transaction history shows all top-ups with date, time, method, and fees
- Email receipt sent immediately after successful top-up
Effort
13 Story Points
Business Value
Very High
Dependencies
PayHere Integration, PCI Compliance
As a vending machine user, I want to pay with QR code scan so that I can complete purchases in under 5 seconds.
Context
Speed is Critical: Users expect vending transactions to be faster than traditional checkout. Our target is sub-5-second payment flow.
Technical Challenge: QR payment requires network round-trip. Edge caching and optimistic UI updates ensure perceived speed.
Real-world Example: Sriya selects product A5 on vending machine. Machine displays QR code + amount (LKR 150). She opens OREL Tap, taps "Scan & Pay", scans QR. App shows "Payment processing..." (1 sec) then "Success!" Product dispenses. Total time: 3 seconds.
Acceptance Criteria:
- QR code contains: merchant ID, machine ID, product code, amount, timestamp, signature
- App decodes QR and displays confirmation screen within 500ms
- User confirms with PIN or biometric
- Payment processed and machine notified within 3 seconds (95th percentile)
- Digital receipt stored in app with product photo, location, timestamp
- Loyalty points awarded automatically (1 point per LKR 100)
- Works offline - payment queued and processed when connection restored
Effort
21 Story Points
Business Value
Critical
Dependencies
QR Library, Payment Backend, Machine API