Product Managers and Startup Founders
Defining the Minimum Viable Product (MVP) scope for a new mobile banking or e-wallet application
Use cases
About
The BAINKA draft 11 Mar 2022 mind map template provides a comprehensive architectural overview of a mobile banking application, detailing 85 distinct nodes across user roles, security protocols, and third-party integrations. This BAINKA template serves as a functional cheat sheet for fintech developers and product managers, mapping out the core logic for 'Consumer', 'Merchant', and 'Super Admin' personas. It specifically outlines critical user flows such as 'Add funds into Digital wallet', 'Move money to personal bank account', and 'Request for money'. By visualizing the relationship between the 'Open Banking System' and security measures like 'Google Authenticator', this BAINKA mind map helps teams validate app requirements and security compliance during the pre-MVP phase.
Terms and ConditionsWhen to use this template
System Architects and Backend Developers
Mapping out user permissions and administrative controls for a multi-sided financial marketplace
Technical Leads and Integration Engineers
Planning third-party API integrations for SMS verification and bank account linking
How to use this template
Step 1
Import the BAINKA file
Open the .xmind file in Xmind desktop or web app to view the full 85-node structure of the banking application.
Step 2
Customize user roles
Navigate to the 'Users' branch and modify the 'Consumer' or 'Merchant' nodes to match your specific business model requirements.
Step 3
Define integration endpoints
Update the '3rd party integrations' section with your chosen providers for 'Open Banking System' and 'SMS' services.
Frequently asked questions
This template includes a detailed breakdown of mobile banking app features, covering user roles (Consumer, Merchant, Admin), security protocols (biometrics, SMS-code), registration flows, and third-party API integrations like Plaid and Twilio.
You can use this template as a requirements document to ensure all functional areas, such as 'History of transactions' and 'Digital wallet' management, are accounted for during the design and development phases.
Yes, this template is fully editable. You can add new branches for 'Crypto features', modify the 'Super Admin' permissions, or update the security logic to fit your specific banking project.
The diagram maps out several layers of security, including 'Locking app' mechanisms, 'Pin-code' verification, and the requirement for Merchants to unlock the app for customer interactions.
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