1. Objective
To define a clear, high-level technology and operating approach aligned with three phased
business scenarios. The output is intended for inclusion in a business plan and will prioritize
clarity, estimated cost ranges, and execution readiness without over-engineering a full technical
design.
2. Business Scenarios Overview
(Note: Each subsequent scenario assumes the inclusion of the previous phase's capabilities).
Scenario A: Lean MVP
o Core Financial Services: Payments, Wallet, KYC, and Payouts.
Scenario B: Growth
o Added Financial Services: BNPL, Cards, and Escrow.
Scenario C: Full Platform
o Added Financial Services: Lending, Insurance, Investments, and Remittance.
3. Scope of Work
For each of the three scenarios outlined above, the following must be defined:
Technology Approach (High-Level):
o Define the architecture approach (API-driven / partner-led / hybrid), with a
specific lens on embedded finance capabilities.
o Identify core components (e.g., payments, wallet, lending).
o Define the build vs. partner strategy (high-level only).
o Outline the high-level approach for integrations, APIs, cloud infrastructure,
security, regulatory compliance (e.g., data residency), and scalability.
Cost Estimation
o Provide an estimated annual cost range.
o Identify main cost drivers (e.g., transaction volume, active users, lending
volume).
o Constraint: Avoid highly detailed line-item breakdowns.
Team Structure:
o Define an indicative team size (e.g., 5–8, 10–15).
o Identify key roles required for execution (e.g., Product, Backend, Frontend,
DevOps, Security/Compliance).
Technology Partner Recommendations:
o Suggest a shortlist of 2–3 key partners per functional category (e.g., payments,
KYC, lending).
o Prioritize options tailored to the Saudi/GCC market, supplemented by global
alternatives.
Implementation Roadmap:
o Provide a phased, high-level roadmap spanning a 5-year timeline.
4. Deliverables
The final submission should include the following formatted outputs:
Executive summary for investors.
Scenario summary (1–2 pages).
High-level technology approach.
Cost ranges and team size overview.
Partner shortlist.
High-level 5-year roadmap