🔹 Project Snapshot

A PSD2-regulated digital wallet initiative for a European EMI, focusing on structured product definition and regulatory alignment from early-stage development.

Project Period
2025-2026

Industry / Project Type
Fintech — EMI / Digital Wallet (PSD2)

Role / Services Provided
Business Analyst – Product & Regulatory Documentation

Engagement Type
Product Structuring & Delivery Support

🔹 Project Overview

We joined the project at an early product-definition stage, where core wallet capabilities and regulatory controls were still evolving.

Working as Business Analysts, we operated within a PSD2 and broader banking compliance framework, we addressed critical aspects such as KYC onboarding flows, Strong Customer Authentication (SCA), transaction lifecycle logic, consent management, and API-based payment integrations.

Our role was to introduce structure and clarity across the product landscape — documenting existing functionality, defining planned capabilities, and ensuring that regulatory obligations were embedded into user journeys and technical specifications.

🔹 Scope of Work

Product & Requirements Structuring

• Developed comprehensive Business Requirements Documents (BRDs)
• Structured detailed User Stories to support backlog refinement & development
• Consolidated current and future features into a unified product view

Regulatory Alignment & PSD2 Integration

• Mapped PSD2 requirements (SCA & consent management) to functional product components
• Ensured authentication, onboarding, and transaction flows reflected regulatory obligations
• Coordinated interpretation of regulatory requirements with compliance stakeholders

Delivery & Cross-Functional Coordination

• Collaborated closely with the Product Owner and development team to clarify business logic and priorities
• Supported operational, test and compliance teams in aligning regulatory expectations with technical implementation
• Contributed to in-app messaging and regulatory disclosures where required

🔹 Value Delivered

• Established a structured and traceable product requirements baseline
• Reduced regulatory interpretation risk by aligning legal requirements with system logic
• Embedded PSD2-related controls directly into user journeys and transaction flows
• Improved cross-functional transparency across product, technology, and compliance
• Enabled more predictable and compliant feature rollout

🔹 Why This Engagement Matters

In PSD2-regulated environments, authentication logic, consent management, and transaction controls are not merely technical details — they determine operational viability and regulatory exposure.

By introducing structured documentation and early regulatory alignment, the initiative progressed with clearer boundaries, reduced ambiguity, and stronger readiness for compliant scaling.

Tags

#Fintech #EMI #DigitalWallet #BusinessAnalyst #PSD2 #SCA #BRD #UserStories #RegulatoryAlignment