Business Requirements
CORE_BUSINESS_QUESTIONS_TO_ANSWER
REVENUE_OPTIMIZATION_ENHANCED
Q1: Which FIU clients generate highest revenue per consent? [Navi, Cred, Axis, ICICI, Bajaj Finance, RKB Finance]
Q2: What is the cost-per-acquisition by journey type (assisted vs DIY)?
Q3: How does purpose code mix impact monthly recurring revenue? [103 vs 101/102 correlation]
Q4: Which FI types have highest success-to-revenue conversion?
Q5: How does customer identity resolution via masked account numbers improve LTV tracking?
GROWTH_TRACKING_2X_MARKET_RATE_TARGET
Q6: Are we growing at 2x market rate by client segment? [Target: 20% vs market 10%]
Q7: Which client acquisition channels drive sustainable growth?
Q8: What is our market share trajectory vs OnemoneyAA? [Target: 40% vs current 70%]
Q9: How does our funnel performance compare to ecosystem averages?
Q10: Are we on track for 40% market share long-term vision?
OPERATIONAL_EXCELLENCE_WITH_FIP_ATTRIBUTION
Q11: Which funnel stages have highest drop-off rates by FIU?
Q12: What is our reliability score vs competition?
Q13: How do assisted vs DIY journeys perform by time/geography?
Q14: Which FIP partnerships drive best success rates?
Q15: How do we separate FIP health issues from AA performance issues?
REGULATORY_COMPLIANCE_AUTOMATION
Q16: Can we automate Sahamati daily/monthly reporting?
Q17: How do we track RBI compliance metrics automatically?
Q18: What is our current regulatory reporting accuracy vs manual process?
Q19: How do we ensure 7+ year audit trail compliance?
CORE_BUSINESS_REQUIREMENTS_UPDATED
DRILL_DOWN_CAPABILITY = 5-stage → 8-stage → error analysis → API events → logs (<3 second latency)
REVENUE_TRACKING = dual billing models (₹3/fetch vs ₹0.10/user) with purpose code correlation
GROWTH_MONITORING = 2x market rate target tracking with competitive benchmarking vs OnemoneyAA
FIP_HEALTH_ATTRIBUTION = separate FIP performance issues from AA reliability metrics
CUSTOMER_IDENTITY = enhanced deduplication using masked account numbers while maintaining data blind compliance
MULTI_DIMENSIONAL_ANALYSIS = TSP, Purpose Code, FI Type, License Type, Journey Type, User Type, FIP Health
REGULATORY_AUTOMATION = Sahamati daily/monthly + RBI monthly report generation
KEY_BUSINESS_METRICS_ENHANCED
FUNNEL_CONVERSION_RATES = CI→CA→CF→DRI→DRF (5-stage executive view)
DETAILED_DROP_OFF_ANALYSIS = 8-stage operational breakdown with error categorization
REVENUE_ATTRIBUTION = purpose code correlation with billing models (103 vs 101/102)
FIP_HEALTH_SCORING = provider-specific uptime + success rate impact attribution
GROWTH_RATE_TRACKING = 2x market rate achievement monitoring (20% vs 10% market)
CLIENT_DIVERSIFICATION = portfolio balance vs competitor single-client dependency
MARKET_SHARE_PROGRESS = tracking toward 40% market share target
REGULATORY_COMPLIANCE = automated Sahamati/RBI reporting accuracy
REVENUE_METRICS_ENHANCED
monthly_lending_revenue = SUM(data_fetch_successful * 3 INR) WHERE purpose_code = '103'
monthly_pfm_revenue = COUNT(distinct active_users) * 0.10 INR WHERE purpose_code IN ('101','102')
revenue_per_client = monthly_revenue / COUNT(distinct fiu_id)
customer_lifetime_value = revenue_per_derived_customer_id (enhanced via masked account numbers)
GROWTH_METRICS_COMPETITIVE
market_growth_rate = (current_period_ecosystem_volume - previous_period) / previous_period
finvu_growth_rate = (current_period_finvu_volume - previous_period) / previous_period
growth_rate_ratio = finvu_growth_rate / market_growth_rate (TARGET >= 2.0)
market_share_estimate = finvu_volume / total_ecosystem_volume (TARGET = 40%)
competitive_gap = onemoneyaa_share - finvu_share (current gap ~67%)
FUNNEL_EFFICIENCY_METRICS_DETAILED
consent_conversion_rate = consent_fulfilled / consent_initiated
data_fetch_success_rate = data_fetch_successful / data_fetch_initiated
assisted_vs_diy_performance = success_rate(assisted) / success_rate(diy)
fip_attribution_ratio = fip_caused_failures / total_failures
aa_reliability_score = (total_successful - fip_caused_failures) / (total_attempts - fip_caused_failures)
REGULATORY_COMPLIANCE_METRICS
sahamati_reporting_accuracy = automated_report_match / manual_report_baseline
rbi_compliance_score = submitted_on_time / total_required_submissions
audit_trail_completeness = events_with_complete_lineage / total_events
data_retention_compliance = records_retained_per_policy / total_records
PROCESSING_REQUIREMENTS_ENHANCED
REAL_TIME = funnel monitoring, FIP health alerts, system reliability dashboards (7-day hot data)
DAILY_BATCH = revenue calculations, growth tracking, target variance analysis (90-day warm data)
MONTHLY_BATCH = market share analysis, competitive benchmarking, strategic planning (3-month cool data)
REGULATORY_BATCH = Sahamati daily/monthly, RBI monthly automated report generation
DRILL_DOWN_LATENCY = < 3 seconds from executive funnel to individual error logs
HISTORICAL_ANALYSIS = 7+ year cold data for regulatory compliance and audit trails
DATA_GOVERNANCE_ENHANCED
DATA_BLIND_COMPLIANCE = maintain privacy while enabling customer deduplication via masked account numbers
REGULATORY_COMPLIANCE = audit trails for RBI/Sahamati reporting requirements with 7+ year retention
CLIENT_CONFIDENTIALITY = segregated views preventing cross-FIU data visibility
CHANGE_TRACKING = SCD Type 2 for FIU/FIP performance evolution over time
SCHEMA_FLEXIBILITY = bronze layer JSON preservation for unknown future events
EVENT_LINEAGE = complete traceability from Kafka events to business metrics
TEAM_COORDINATION_REQUIREMENTS
BUSINESS_TEAM = [Vishwa (Product Manager), Dilip (COO)] → metric definitions evolution
CORE_TEAM = event streaming configuration changes coordination
DEVOPS_TEAM = infrastructure changes impact on data flow
CUSTOMER_SUCCESS = <3 second drill-down capability for root cause analysis
REGULATORY_TEAM = automated compliance reporting with audit trails
