Draw A customer Journey Map for Microfinance Platform

tThe attached Is a screen shot from the platform , I want to Draw A customer Journey Map for Microfinance Platform

#1 Sing up
Customer completes the below mandatory field
#1 screen
● Work email address
● Phone number
Consent for marketing purposes by clicking “Agree and
continue” you agree to the Terms and conditions and
Privacy policy.
#2 screen
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National ID number
Login name
Password
Repeat password
CTA “Continue” redirect customer to
the OTP verification screen.
General Business
#2 OTP verification
Customer is redirected to the OTP verification screen
Verify OTP number
We have sent a verification code to the
customer’s phone number provided during
onboarding
Customer has to insert 6 digits code.
General Business
#3 NAFATH verification
Verify your identity
Open the Nafath app
Select verification number
Continue with your financing application
General Business
#4 Business Profile Check
The customer has completed the registration process
and would like to continue with the finance
application.
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All businesses that the customer is associated
with as an owner will be listed on the screen
Vis integration with WATHQ
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Customer selects the business entity where
the he/she needs financing
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A Business Profile Check is conducted.
General Business
#5 Business financial information
The customer is requested to fill in the business
financial data, which will be verified and validated by
TIMAL credit underwriter against the uploaded
financial documents.
The following information is required:
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“VAT Number” – verification via government
database
“Annual revenue”
“Profit before tax”
“Total bank debts”
“Declared business address”
Client’s Address informations
General Business
#6 Upload bank account statement
The customer is requested to upload:
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The last 6 months’ bank statements and
the IBAN certificate
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TIMAL credit underwriter thouroughly analyzes the
financial transactions of the business.
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Additionally, the underwriter checks the IBAN
certificate for authenticity and manually verifies the
number through the SAMA webpage and bank
statements to avoid any possibility of fraud.
General Business
#7 Financing offer
After approval, the customer receives a detailed Financing
Offer with the following informations:
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Amount
Monthly payment
Financing term
APR
Upfront fee
Financing cost
Total due amount
Purpose of the financing
Payment calendar
The customer has the option to reduce the loan amount and
tenor as per their preference. Once they have selected their
desired loan amount and tenor, the customer must confirm
their acceptance of the offer to proceed with the loan
application.
General Business
#8 Finance Application Summary
Before signing the finance contract, the customer receives
and reviews the finance application summary with the
following information:
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Business information with address via Wathiq
Business declared data via customers
Business account statements
Financing parameters of the loan offer
Account information – IBAN where the money will be deposited
via underwriter from the uploaded IBAN certificate
In compliance with SAMA mandate in order to ensure
fulfilling proper due diligence, the end to end processing
time is no less than 72 hours
General Business
#9 Contract signature via AZM
The customer will be requested to sign the finance contract
electronically.
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Contracts.sa will notify the customer about the
incoming contract.
The customer can review the contract, sign it with
their Absher credentials, or reject it.
Timal will receive a response from Contracts.sa
about the results, and if the contract is signed, Timal
will save the signed documents to the customer’s
dashboard
When the contract is signed, we fulfill the buy/sell
transaction of commodities via Riyad Capital as per
Sharia’a Complinace
Finally, funds are disbursed to customer’s designated
IBAN with notification
General Business
#10 Customer’s Dashboard
Customer is able to access their financing details and related
information through a designated and secured dashboard.
This dashboard will provide real-time updates on the loan
balance, repayment schedule, and any other important
information related to the financing:
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My documents
Business portal
Loan overview – total loan amount, date of the next
payment, amount of the next payment
Manage financing
Customer Support
Settings
Profile
General Business