Contents

Introduction ........................................................................................................ 3

Business Objective ............................................................………………………………3

Expected Benefits...............................................................……………………………..3

Business Analysis Core Concept Model as per BABOK .......................................... 4

Requirement Classification Schema .................................................................... 6

STAKEHOLDERS .................................................................................................. 8

Risk Identification ............................................................................................. 10

SWOT Analysis of WhatsApp Pay ........................................................................ 12

Transition State of WhatsApp Pay ....................................................................... 12

Current Process of WhatsApp Pay ...................................................................... 13

Future Process of WhatsApp Pay ........................................................................ 14

Scope of the Proposed System explained via Use-case Diagram .......................... 16

Main Features of the Proposed System ............................................................... 16

In-Scope and Out-of-Scope Requirements ......................................................... 16

Business Requirements ..................................................................................... 17

Wireframes ....................................................................................................... 18
1. Introduction WhatsApp is a messaging and Voice over IP (VoIP) service owned by Facebook. It allows
users to send text and voice messages, make voice and video calls, and share images, documents, and
other media. WhatsApp runs on mobile devices but is also accessible from desktop computers.
WhatsApp has over 2 billion users worldwide as of today. It has become the primary means of electronic
communication in multiple countries across multiple continents, including Latin America, the Indian
subcontinent, and large parts of Europe and Africa.

2. Business Objective WhatsApp has decided to take the plunge into this digital payment market. They
have launched a new feature namely, WhatsApp Payments to be known as WhatsApp Pay in Brazil in
June 2020. WhatsApp promises to disrupt the global digital payments ecosystem with WhatsApp Pay.
WhatsApp will integrate the customer’s debit card or credit card into their app. That is, while chatting
with your peers, you can transfer the money to them. There will be no separate app that the customers
need to download to access this payment feature. This feature would be provided to users as an update
in the existing WhatsApp messaging app. The user can use WhatsApp pay feature by updating the
WhatsApp messaging app. Business Objective by senior management: 1.Have at least 1 million users use
WhatsApp pay feature within the first 3 months of launch. 2.Over 1 year of its launch have 30% of user
base using WhatsApp pay.

3. Expected Benefits

1.Easy peer to peer payments. You can send money to your family, friends, or relatives all through
WhatsApp.

2.Users need not go to the bank or use wallets, bank apps, or NEFT to transfer money.

3.It will be a one-click payment.

4.Easy and user-friendly interface of WhatsApp would make digital payments seamless and there will be
no need to enter details at multiple page loads

4. Business Analysis Core Concept Model as per BABOK...................................................................

Business Analysis Core Concept Model™ (BACCM™): defines a conceptual framework for

the business analysis profession.

 Figure 1. Business Analysis Core Concept Model as per BABOK

For WhatsApp to come up with Digital Payments in their existing application, detailed analysis pertain to
below aspects will have to be done.

1. Need to come up with new feature

2. Change required in to satisfy the need
3. Solution to be delivered in response of change and need
4. Stakeholders impacted by the solution delivered in response of change and need
5. Value to the stakeholder for the solution delivered
6. Context of payments horizon in which the solution will be delivered enhancing the value of the
application to the stakeholders.

BACCM for Whatsapp

Need -Problem or opportunity

 Whatsapp is a messaging and Voice over IP service enabling users to use it as a messaging, voice
and video calling application.
 Whatsapp wants to enter into Digital Payments Market to enable users to make digital payments
via whatsapp.

Change-Transformation

 In addition to its presence in Electronic communication, Whatsapp would also enable users to do
 digital payments.
 Whatsapp Users will be able to make payments from whatsapp without downloading a separate
 software. Messaging, Voice/Video calls and Payments all can be done by a single app.

Context- Influential
  Payment feature of the app should be easy to use.
 It should be secured.
 It should scalable, self explanatory and user friendly

Stakeholder- Group or Individual impacted by the change

 External Stakeholders: Whatsapp Sponsors, Whatsapp users, Payment Gateways cordinators ,

 National Payments Corportion of India & Competition Commission of India (For regulation),
Google
 Play store(Supplier/Facilitator)
 Internal Stakeholder : Domain SME, Project Manager, Developers, Implementation SME, Testers
 Simplilearn Business Analyst

Value-Its worth importance and usefulness to stakeholder within a context

 Whatsapp can leverage its existing user base and provide them feature to dXmake digital
payments
 Whatspp can increase its earning potential by entering into digital payments market and
capturing
 considerable amount of market share.

Solution-Way of satisfying needs in a context

 Whatsapp would provide a user friendly, easy to use scalable and secure payment option.
 One of the two approaches to implement payment feature as mentioned in the case study

Figure 2. BACCM Model for Whatsapp Pay

5. Requirement classification schema

Requirements are described by following classification schema:

5.1. Business Requirements: These are statements of goals, objectives, and outcomes thatdescribe why a
change has been initiated. They can apply to the whole of an enterprise,a business area, or a specific
initiative.

5.2. Stakeholder Requirements: It describe the needs of stakeholders that must be met toachieve the
business requirements. They may serve as a bridge between business andsolution requirements.

5.3. Solution Requirements: It describe the capabilities and qualities of a solution thatmeets
the stakeholder requirements. They provide the appropriate level of detail toallow for the development
and implementation of the solution. Solution requirementscan be divided into two sub-categories:
Functional requirements & Non-functionalrequirements or quality of service requirements

5.4. Transition Requirements: It describe the capabilities that the solution must have andthe conditions
the solution must meet to facilitate transition from the current state tothe future state, but which are
not needed once the change is complete

Figure 3. Requirement Classification Schema for Whatsapp pay

6. STAKEHOLDERS...............................................................................................................................
Stakeholders Actors Actions
External Stakeholders
Sponsors Facebook • The Sponsors would fund for
the new feature development of
WhatsApp pay

End Users WhatsApp users • WhatsApp end user are already

able to use
Whatsapp for messaging, voice
calls and
Video calls
• In the proposed system, they
will also be
able to make digital payments
via
WhatsApp.

Customers Mark Zuckerberg • He owns WhatsApp and one of

the most
important Stakeholder

Suppliers Banks • For digital payment with

Whatsapp, Banks
will have to cooperate with
Whatsapp for
provision payment via respective
Banks.
• Banks will have to share Bank
details,
Branch Details, IFSC details to
shown on the
screen and on making payment
banks will
have to validate the users have
accounts in
respective banks

Credit card • Credit card providers will have

provider to
cooperate with Whatsapp to
enable
users to pay via respective credit
cards
• Details like Card details, Credit
card
holders’ details, Payment
 gateway
details will have to be provided
to
WhatsApp. Also, they will have
to
validate on entry of user card
credentials.

Bank Debit Card provider •Debit card providers will have

to cooperate
with Whatsapp to enable users
to pay via
respective Debit cards
•Details like Card details, Debit
card holders’
details, Payment gateway details
will have
to be provided to WhatsApp.
Also, they will
have to validate on entry of user
card
credentials
Regulators Government, Indian Police force, •Government of India has laid
TRAI, NPCI,CCI down guidelines to take swift
actions on government
takedown requests
•Indian Police force keeps a
check on WhatsApp
•NPCI: May come into picture as
it regulates UPI payments
•CCI: Keeps a check on
new features by WhatsApp
internal Stakeholders
Domain SME •Domain SME will help in
understanding the payments
domain in India
Tester •Tester will test the build before
deployment in production
Operational Support •The operational support will
ensure that the new feature goes
live
Implementation Support new •Implementation support team
feature without impacting the will ensure proper development
old functionality of the
Project Manager •Project manager will ensure
timely and effective delivery of
the new feature
Business analyst •Business Analyst will ensure
all requirements are been
converted into the actual feature
in the proposed system. He will
ensure seamless coordination
and communication between
all the stakehoders.